Financing
Affordable Comfort for Every Home and Business

HVAC Financing
At Dr. Kool Air Conditioning & Refrigeration, we understand that HVAC system replacements often come at unexpected times—and with a significant price tag. Whether you’re a homeowner facing a broken air conditioner or a business needing to upgrade a commercial HVAC unit, we offer convenient financing options to help make the process easier on your budget.
We proudly provide flexible financing solutions for both residential and commercial customers. Our application process is fast, straightforward, and designed to deliver quick credit decisions, so you can get the system you need without unnecessary delays.
Residential HVAC Financing with KwikComfort
For homeowners, we offer financing through the KwikComfort Financing Program, powered by Synchrony Bank. This program is specifically designed for the purchase of Rheem and Ruud heating and cooling systems, providing customers with the flexibility they need to afford high- quality equipment through manageable monthly payments.
Key Features of KwikComfort Financing
- Convenient Monthly Payment Options: Tailored to suit a variety of household budgets.
- Promotional Financing Offers: Includes deferred interest plans and reduced interest with fixed payments.
- Easy Online Application:Apply directly through Synchrony Bank’s website from the comfort of your home.
- Fast Credit Decisions: Quick approvals mean you don’t have to wait long to get started.
- Unsecured Credit Lines: No collateral required, with revolving credit available for future needs.
- Contractor Support Tools: Our team helps streamline the process to make financing simple and stress-free.
Benefits for Homeowners
- Increased Purchasing Power: Upgrade to more efficient, higher-performing systems without depleting your savings.
- Better Cash Flow Management: Keep more cash on hand for other household expenses.
- Greater Accessibility: Replace your system when needed, not just when your finances allow.
- Deferred Interest Options: Pay no interest if the balance is paid within the promotional period.
Commercial HVAC Financing with Fernwood Capital
Business owners face their own unique challenges when it comes to managing capital. expenditure. That’s why Dr. Kool partners with Fernwood Capital & Leasing to offer commercial HVAC financing solutions tailored for long-term business success. Fernwood Capital is a trusted national and international financial services provider, recognized for its industry expertise, administrative efficiency, and competitive financing programs. Their mission is to deliver total solution financing that helps business owners grow and thrive.
Fernwood Capital is a trusted national and international financial services provider, recognized for its industry expertise, administrative efficiency, and competitive financing programs. Their mission is to deliver total solution financing that helps business owners grow and thrive.
Why Choose Fernwood Capital
- Custom Financing Solutions: Designed to meet the specific needs of your business.
- Streamlined Process: Focused on simplicity and speed, so your project stays on track.
- Industry Expertise: Decades of experience structuring HVAC financing for businesses across multiple sectors
- One-Stop Financial Provider: Everything you need, from application to funding, in one place.
- Proven Track Record: Thousands of businesses have used Fernwood to finance equipment and fuel growth.
Whether you’re upgrading your home comfort or investing in your business’s climate control,
Dr. Kool is here to help make it happen. Contact us today to learn more about our financing
options and start your application.

Serving Southwest Florida
We serve the following neighborhoods and beyond:
- Bonita Springs
- Cape Coral
- Collier County
- Estero
- Fort Myers
- Lee County
- Lehigh Acres
- Marco Island
- Naples