Build a 10-year revenue engine

The Palmetto Comfort Plan blends innovative consumer financing and fully bundled maintenance to deliver a differentiated “comfort as a service” to homeowners. Comfort Plan enables HVAC dealers to deliver premium equipment with zero upfront cost to the customer, predictable monthly payments, and service and maintenance through the full term.

Win more installs, get paid quickly, and build long-term contracted customer relationships.

Built for and by HVAC dealers

We provide differentiated financing solutions that drive higher close rates and recurring revenue.

Backed by Palmetto’s 16-year energy platform and national operational infrastructure, Comfort Plan delivers the scale, stability, and long-term support dealers need to grow with confidence.

Built by home service professionals, for home service professionals.

How much was your last energy bill?

$290

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Simple for you. Simple for homeowners.

Built to work for everyone.

Homeowners get:

• Brand-new equipment installed with no upfront cost. • One predictable monthly payment covering equipment, labor, and repairs. • Annual preventative maintenance for 10 years. • Major maintenance coverage for 10 years. • 365-day service engagement and system monitoring

Dealers get:

• No dealer fees, fast approvals, digital contracts, and direct payment certainty. • Higher close rates and improved margins on premium systems. • Contracted right of first offer on maintenance for 10+ years. • Recurring service revenue and a long-term customer relationship. • Lead generation campaigns and cross-sell opportunities. • Palmetto manages the ongoing admin, billing, and service coordination.

Why dealers are making the shift

Today’s market requires higher close rates and long-term revenue, not one-time installs.

The market is changing

System costs and project complexity continue to rise. Consumer buying behavior is evolving, with customers expecting more flexibility and transparency. At the same time, expectations around long-term maintenance and service are higher than ever.

Close more jobs

Reduce lost deals caused by upfront cost barriers. Our underwriting is built for today’s consumer, making approvals faster and more aligned with modern buying realities.

Build recurring revenue

Originating partners are assigned 10–12 years of service rights. This creates ongoing maintenance and service revenue while strengthening long-term customer retention.

Comfort Plan turns a one-time transaction into a 10+ year revenue relationship.

See how the traditional cash sale compares to a recurring revenue model.

Old way: cash sale

Customer pitch

$15,000 system

Upfront objection

High price resistance

Dealer revenue

One-time margin

Service rights

Optional, often lost

Customer retention

Transactional

Lifetime value

Limited to install

End of term

Customer shops again

New way: Comfort Plan

Customer pitch

"$150/month for total comfort"

Upfront objection

Low friction design

Dealer revenue

Ongoing servicing revenue

Service rights

Locked in for 10+ years

Customer retention

Built-in retention model

Lifetime value

Expanded through service + renewal

End of term

25% renewal credit encourages repeat business

What dealers are saying

2,334 customer reviews

Carlos Morales

Zen Air Heating & Cooling

"Customers love that maintenance — like the financing and install — is simple and easy. They know we’re in it for the long run."

Mike Cavanaugh

Sibi Pro

"The Palmetto team (through LightReach and the Comfort Plan) are an absolute standout partner. They are professional, collaborative, and genuinely easy to work with..."

Fima Radinsky

Team Sunshine

"I love Comfort Solutions because it turns home ownership into peace of mind. Twelve-year warranty. Low payments. Zero percent escalator."

See how a top HVAC installer grew with Comfort Plan

Zen Air went from one-time installs to lasting customer relationships.

Dealer FAQs

• Who owns the equipment? Palmetto owns the equipment during the term, removing many risk and maintenance burdens from the homeowner while keeping you connected to the customer.
• What’s included in service and maintenance? Covered maintenance, diagnostics, filter replacements, and eligible repairs are included. Exclusions apply (e.g., external damage).
• Do I still make my normal margin? Yes. Dealers earn competitive margins without dealer or origination fees, plus benefit from recurring service revenue.
• How do I get paid? You get paid quickly after Palmetto approves installation. Palmetto handles billing, collections, warranties, and long-term service administration.
• Will this cannibalize my cash or loan sales? No. It helps you win deals you’d otherwise lose, and gives you a premium option for customers who want predictability and peace of mind.
• Who schedules the maintenance? Palmetto notifies our partner, who then coordinates.
• Is there a dealer fee? No!