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Introducing Residential and Commercial Financing


Will your air conditioner make it through summer?

Will your boiler keep you warm through winter?

Think you can't afford a new system?



Do not gamble, get your new heating and cooling system today and take up to 60 months to pay.

FTL Finance offers convenient fixed interest rate financing for both residential and commercial HVAC (heating, ventilation and air conditioning) equipment purchases.

  • Get the power to purchase a new heating and air conditioning system – all equipment qualifies
  • No application fee
  • No annual fee
  • No downpayment
  • Simple 15-minute credit approval process

There’s no reason to delay. Apply now!



  • Going GREEN

    How can you go green? Quite simply, it starts in your home.

    Lowering your home' energy consumption not only saves you money every month and helps aid the environment - it also increases the value of your home. Energy Efficiency Building Performance Standards study concluded that home values increase by $20 per dollar reduced in annual utility costs.


  • Choosing the ductless mini split system

    Choosing the ductless mini split system could be a challenging task due to the fact that market currently saturated with choices. Higher quality, dependable, higher efficiency ductless mini split heat pumps on the market are far superior to any other offers.


  • Our New Jersey Air Conditioning and Heating Showroom is Open!

    Richair's New Jersey Heating and Air Conditioning Showroom, located at 311 Washington Ave in Bergenfield, officially opened on April 4th. We're excited to expand our expertise as air conditioning and heating contractors into the New Jersey market!

  • Ductless Heat Pumps: A New Option for Home Heating

    The ductless mini split heat pump is a new choice for house heating that offers efficient operation at ambient temperatures of 17°F and below without help of an electric backup heater.