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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.
Become a partner
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.
Become a partner
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. • Service 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.
Button text here!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.
Button text here!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
Cibi 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 10year+ 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
"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 10year+ 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.”
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.”
Dealer FAQs
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.