CoolBuild contractor reviewing PACE financing options with a South Florida homeowner
ACORN FINANCE | RENEW FINANCIAL PACE

Flexible AC Financing & HVAC Payment Plans in South Florida

  • $0-Down Payment Options
  • Low Monthly Payments (Starting at ~$199/mo)
  • Soft Credit Check (No initial impact on your credit score)

Make any project, air conditioning replacement, or home improvement accessible with customized payment plans. Compare our available options and choose the one that best fits your needs.

  • Licensed FL HVAC Contractor (CAC1824415)
  • 1-Year Workmanship Warranty
  • Fast Paperless Approvals
Licensed & Insured — Serving Miami-Dade, Broward & Palm Beach Counties
Free Consultation: 754-216-1525

Secure, transparent payment options backed by top-tier lenders. Check your financing options in seconds without impacting your credit score, or leverage your property's value with state-approved PACE programs.

Compare your options

Our Trusted Financing Partners

Pick the path that fits your budget and timeline. Not sure? Our team will help you decide at no cost.

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Personal Loan

Traditional Personal Loans & Financing

Ideal for standard credit-based approvals. Compare multiple lenders through Acorn Finance in seconds without impacting your credit score, for repairs, installations, and projects of any size.

  • Quick pre-qualification with a soft credit check (zero impact on your credit score).
  • Loan amounts from $1,000 up to $100,000.
  • Flexible repayment terms and multiple competing lender offers.
Check Offers with No Impact to Credit Score

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Acorn Finance apply and get affordable payment options from multiple lenders
$0 down
PACE / Property-Assessed

Renew Financial (PACE) Property-Assessed Financing

Finance energy-efficient upgrades and high-performance air conditioning systems through your property taxes.

  • Approval based on home equity and property value, rather than traditional credit scores alone.
  • Convenient payments integrated into your annual property tax bill.
  • Ideal for high-efficiency equipment and major home improvements.
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See how PACE works below

Which option is right for you?

What is PACE Financing?

Property Assessed Clean Energy (PACE) financing through Renew Financial lets Florida homeowners fund energy-efficient HVAC, insulation, and water heating upgrades with 0% down. Instead of a traditional loan, the financing is repaid as a line item on your annual property tax bill over 5 to 20 years. PACE qualification is based on property equity and tax payment history — not your FICO credit score — making it accessible to homeowners who may not qualify for conventional credit.

Why Choose PACE With CoolBuild?

  • $0 down payment — no upfront cost for qualified properties
  • No minimum FICO credit score required for approval
  • Repaid as an annual property tax line-item over 5–20 years
  • Available for HVAC, ductwork, insulation, and water heater upgrades
  • Serving properties across Miami-Dade, Broward & Palm Beach Counties
  • All work backed by our 1-year workmanship warranty

Satisfaction Guarantee on Every PACE Project

Funds are not disbursed until the client signs the Certificate of Completion. Every CoolBuild installation is backed by our 1-year workmanship warranty covering labor and installation quality.

PACE-Eligible Upgrades

All eligible services include necessary permitting and enabling installation work.

Cosmetic-only remodels (kitchen aesthetics, decorative bathrooms) do not qualify for PACE financing. Energy-efficient structural and climate upgrades qualify.

Services Eligible for Financing

Every core CoolBuild service can be paid over time with Acorn Finance or Renew Financial (PACE). Explore each service to see what is included:

How PACE Financing Works

Step 1

Property Equity Approval

Assessment based on property value and tax payment history — no minimum FICO score required.

Step 2

High-Efficiency Installation

COOLBUILD installs your HVAC system, insulation, or water heater upgrade.

Step 3

Flexible Repayment via Property Taxes

Amortized as a line item on your annual property tax bill over 5 to 20 years — no direct monthly payments.

Get Prequalified for PACE Fast

Enter your property address and we verify eligibility with Renew Financial. No obligation, no minimum credit score, and $0 due at installation.

Talk to a Financing Specialist

Florida State Certified HVAC Contractor: CAC1824415 | Fully Licensed & Insured | 1-Year Workmanship Warranty

PACE Financing Calculator

Estimate Your Annual Property Tax Line-Item

See how affordable energy-efficient upgrades can be with PACE financing in South Florida — repaid through your property taxes with $0 upfront.

$12,000
$5,000$25,000

Repayment Term

Estimated Annual Property Tax Line-Item

$800/yr

~$67/mo

Estimated Monthly Energy Savings

$54 – $69/mo

PACE financing is repaid as an assessment on your property tax bill. Approval subject to property eligibility and equity. Estimates are for educational purposes only and are not a financing offer.

RENEWFINANCIALTM

PACE Property Eligibility Check

Verify if your property qualifies for $0-down PACE financing through Renew Financial.

Property Eligibility
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Financing FAQ

No. Acorn Finance pre-qualifies you with a soft credit pull, which has zero impact on your credit score, and shows offers from multiple lenders in seconds. A hard inquiry only happens if you pick a specific lender offer and complete the full application. PACE through Renew Financial does not rely on your FICO score at all, and requesting a quote from CoolBuild never affects your credit.

You can finance high-efficiency A/C replacements, emergency A/C repairs, and major home improvements. Acorn Finance personal loans can cover projects of any type and size, while PACE through Renew Financial is designed for energy-efficient upgrades such as high-efficiency A/C, ductwork, insulation, and water heaters.

Yes. With Acorn Finance, approved lenders can fund 100% of your AC installation so you pay nothing upfront and repay in fixed monthly installments. With PACE through Renew Financial, qualified properties pay $0 at installation and repay through the annual property tax bill over 5 to 20 years. Approval and terms depend on the lender.

Property Assessed Clean Energy (PACE) lets homeowners finance energy-efficient HVAC, insulation, and water heating upgrades with 0% down, repaying it through their annual property tax bill.

No. PACE qualification is based on property equity and tax payment history, not FICO credit scores.

CoolBuild offers AC financing to homeowners in Miami-Dade County, Broward County, and Palm Beach County, including Miami, Hialeah, Fort Lauderdale, Hollywood, Pembroke Pines, Coral Springs, Boca Raton, and West Palm Beach. Acorn Finance is available throughout all three counties, and PACE eligibility through Renew Financial depends on your property location.

Repayment is added as a line item on your annual property tax bill. Terms range from 5 to 20 years depending on the project scope.

The PACE assessment is tied to the property, not the owner. Depending on the buyer or mortgage lender, the obligation may transfer to the new owner or require early payoff at closing.

PACE covers energy-efficient upgrades including HVAC replacement, ductwork sealing, attic insulation, and high-efficiency water heaters. Cosmetic-only remodels do not qualify.

PACE financing is provided by Renew Financial Group LLC in cooperation with local government sponsors. CoolBuild is an authorized HVAC and energy-efficiency contractor — not a lender or broker.

Every CoolBuild project is backed by our 1-year workmanship warranty. Additionally, funds are not disbursed until you sign the Certificate of Completion.

Need Help Choosing?

Have questions about your budget or need help choosing the best option? Call us or email our team directly at [email protected] and we will guide you through the process.

Call 754-216-1525

Mayor Integrated Services LLC d/b/a COOLBUILD is an independent company and is not owned or controlled by Renew Financial Group LLC or Acorn Finance. COOLBUILD does not provide financing and is neither a lender nor a broker. Personal loan offers are provided by third-party lenders through Acorn Finance, subject to credit approval; rates and terms vary. PACE financing is provided by Renew Financial Group LLC in cooperation with local government sponsors, subject to underwriting and documentation requirements. PACE financing creates a lien on the property that is settled through the tax bill.