After I became an HVAC serviceman, I set my five-year plan in action.

• I knew that within five years I wanted to not just be an HVAC serviceman, but I wanted to be well on the way to owning an HVAC company.

I was working overtime for the next five years, while my husbandy took company classes to learn how to run a company. She was going to be a full company partner, while I worked with the HVAC side of the business, he was going to do the company that went with it, however five years later, I was getting ready to talk to the bank plus see if they would help me finance the business… My husbandy had all the paperwork the bank asked for, plus my good friend and I had our five-year company plan carefully laid out, and before the bank could ask for the paperwork, my husbandy was handing it to them; The loan officer who worked with us was impressed with how much he had prepared for him, but he told us that if he ran the company the way he planned for it, there was no reason my good friend and I couldn’t have a successful HVAC company. When he asked about collateral, my good friend and I knew it was the one thing my good friend and I hadn’t planned for. My husbandy asked why the company couldn’t be the collateral. They would own all the component because it would be their currency that bought it. My pal and I were paying them back plus using the component while paying them for it. It was like a rent-to-own situation. The loan officer laughed at his reasoning plus approved our loan.

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