Financing Now Available
HVAC Financing in St. Cloud, FL - Pay Over Time for a New System
A broken AC or failing heater can't wait. With flexible financing through Lyon Financial, you can approve your new system or repair now and pay in affordable monthly installments, no home equity required.
- Free estimates on every job
- 24/7 emergency service
- Satisfaction guaranteed
- Hablamos Español
Why Finance With Us?
- No home equity required. Unsecured loans only.
- Veteran-owned lender. Discounts for military families.
- Live agents guide you through every step of the process
- Fast decisions. No long waits to get started.
Financing Built for Real Homeowners
Our lending partner Lyon Financial offers some of the most flexible HVAC loan programs available nationwide, designed to make comfort affordable for every budget.
$5K–$200K
Unsecured Loan Amounts
Flexible
Loan Terms
660+
FICO Score to Qualify
Up to 60%
DTI Ratio Accepted
No Equity
Required to Apply
Fast
Approval & Decision Process
Ask us for a monthly estimate based on your project.
How the Financing Process Works
From application to installation, the process is straightforward. Here's what to expect from start to finish.
Apply Online
Submit your application at the secure Lyon Financial portal using the Baez & Son link below. Takes just minutes to complete.
Get Approved
Lyon Financial reviews your application and notifies you once a conditional approval is secured from their lending partners.
Sign Loan Documents
Once fully approved and your home improvement contract is confirmed, you'll receive your official loan documents to review and sign.
Clear to Start
After signing, Lyon Financial issues a "Clear to Start" email to both you and our team. That's your green light for us to begin work.
Work Begins
Our licensed technicians get to work. Stage payments are processed throughout the project as milestones are completed.
Project Complete
Once the job is done to your satisfaction, you sign a completion form. Final payment is released and your home is comfortable again.
5.0 · 42 Google reviews · Licensed CAC#1823925 | CMC#1251747 · Veteran-owned
Backed by Lyon Financial
Baez & Son is an approved contractor with Lyon Financial, a trusted national lender with over 45 years of experience financing home improvement projects.
Established in 1979
Over 45 years of home improvement financing experience with a proven track record nationwide.
Veteran-Owned & Operated
Discounted fees available for active military and veterans. Two veteran-owned companies working for you.
Exclusive Lending Partners
Nationwide network of lenders means more options and better programs tailored to your credit profile.
Live Agent Support
Real people available throughout the entire loan process. Never stuck in an automated system alone.
Easy Online Portal
Apply, track your loan, and manage documents all through an easy-to-use online platform.
Making home improvement dreams a reality since 1979. Veteran-owned and operated.
Start Your Application
Share your name and contact details, then continue to the secure Lyon Financial application.
Subject to credit approval. Terms set by the lender.
5.0 · 42 Google reviews · Licensed CAC#1823925 | CMC#1251747 · Veteran-owned
Google reviews
What Customers Say
“Melvin was great. He answered my phone call after hours because of leaking AC unit. After giving me an estimated time, he was there right on time. Located the problem right away, and mentioned some things that need fixing in my AC unit. Also GREAT price. Definitely will use him from now on for any service in my home, and recommend him to anyone.”
“Exceptional service, professional, efficient, prepared and knowledgeable. Completely resolved an issue that other companies could not. Highly recommended. Melvin was great!”
“Melvin did an amazing job at servicing our AC unit in Saint Cloud Florida. He was super friendly, efficient and knew exactly what he was doing! I completely recommend this company for AC maintenance!!”
Ready to Get Comfortable?
The application takes just minutes. Get a decision fast and have your new system installed by Baez & Son's licensed technicians, the team St. Cloud trusts.