HVAC Recurring Revenue for Dealers | Palmetto Comfort Plan
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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
Enter your address
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.
Become a partner See partner resources
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.
Customer pitch
Customer pitch
Upfront objection
Upfront objection
Dealer revenue
Dealer revenue
Service rights
Service rights
Customer retention
Customer retention
Lifetime value
Lifetime value
End of term
End of term
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 and have been from day one. Through the initial design sessions all the way through integrations. In the HVAC world, we've seen premium equipment options dwindle and replacement costs skyrocket, especially with tighter regulations pushing more full-system swaps than ever before. Palmetto's Comfort Plan: a game-changing lease with $0 upfront, predictable monthly payments, top-tier energy-efficient equipment, plus 10 year+ maintenance, repairs, and service included. It delivers real affordability, big energy savings (often 30-50%), and hassle-free comfort in one smart package. Sibi is thrilled to facilitate these installations, it's a true win for homeowners and our business.”
Mike Cavanaugh
Sibi Pro
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. And if anything ever breaks, I’m not stressing — one call and it’s handled, replaced, done. That’s not just HVAC… that’s security, stability, and smart living.”
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.”
*Individual dealers' experience may differ.
See how a top HVAC installer grew with Comfort Plan
Zen Air went from one-time installs to lasting customer relationships.
How much was your last energy bill?
$290
Enter your address
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), and all terms are clearly disclosed. Service and maintenance work is assigned back to our partners, giving you time in the home with your customer, and ongoing revenue streams.
Do I still make my normal margin?
Yes. Dealers earn competitive margins without dealer or origination fees, plus benefit from recurring service revenue. You set the price point to the consumer!
How do I get paid?
You get paid quickly after Palmetto approves installation. Palmetto handles billing, collections, warranties, and long-term service administration. Maintenance and service is paid out as it is completed.
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 has an extended window to coordinate
Is there a dealer fee?
No!
Turn installs into long-term customer relationships
Have questions about how Comfort Plan works?
Not all maintenance is included. Payment contingent on Palmetto’s installation approval. Terms, conditions, and exclusions apply, see master service agreement and lease contract for further details.