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For businesses that cannot afford to get an installer or a professional in on the ground floor, why not investigate getting the services of a HVAC professional? They can come in and do a preliminary inspection and find out what your energy costs are, and what kind of problems you might have. Then after they have done this, they can put together a preliminary bill for the service they will be providing, based on the preliminary report. They can then take that information and negotiate with your company, if it's at all possible to find a lower price to match the preliminary report they sent you. In some cases, you might find that your HVAC specialist is not going to charge you the full estimate that you would like. This is because sometimes these types of negotiations take place on a case by case basis. The best way to go about finding a good financing company is to make sure they are registered and licensed with your state's department of revenue.
