From Cash Flow Struggles to Sustainable Growth

Before the Card

Rapid Revenue Growth Without Financial Stability

Scaling from $750,000 to $2,700,000 in revenue is a dream for most entrepreneurs. For Justin, who owns a One Hour Heating & Air Conditioning franchise and a commercial HVAC business, Summit Mechanical, that dream became reality—fast. After achieving early success, he was eager to continue driving growth as quickly as possible.

But Justin quickly realized that higher revenue growth didn’t automatically equate to financial success. His rapid growth masked serious cash flow challenges. Money was going out faster than it was coming in, straining operations and creating constant pressure. Despite quadrupling revenue, Justin found himself in negative cash flow–a sobering reminder that growth without strong financial management can be risky.

The Turning Point

Discovering the ACCA Business Mastercard

Determined to fix his cash flow issues, Justin began exploring financing solutions. That’s when he found the ACCA Business Mastercard.

Previously, Justin paid vendors directly through ACH and wire transfers, which drained large sums of money from his bank account each month and left him strapped for liquidity. What he needed was a tool that could extend payment terms, free up working capital, and support sustainable growth.

The ACCA Business Mastercard delivered exactly that.

“Honestly, most traditional banks don’t understand the HVACR industry. I’m running a multi-million-dollar business, but they couldn’t give me a credit limit that matched my growth. The ACCA Business Mastercard gave me a $72,000 limit—equal to $864,000 in increased cash flow over a year. Their team actually gets the HVAC space. It’s rare to find a financial platform that understands your business and actually delivers,” said Justin Lange.

After the Card

Regaining Control Over Cash Flow

Within months of adopting the ACCA Business Mastercard, Justin had turned his cash flow positive. Here’s how he did it:

• Payment Strategy: Justin’s suppliers operate on net-30 terms, requiring payment by the end of each month. By using the ACCA Business Mastercard instead of wire or ACH transfers, Justin gained an extra 30 days to pay off balances—effectively turning net 30 into net-60 and giving his business more breathing room.
• Real-Time Visibility: Before, Justin had no real-time visibility into where a $20,000 wire from an employee was going. Now, every transaction triggers a text alert, showing exactly where money is going and helping prevent unexpected cash flow surprises.
• Increased Working Capital: With a $72,000 credit limit, Justin unlocked $864,000 in annual buying power (and increased cash flow). That liquidity gave him the ability to purchase materials, cover payroll, and invest in growth without disruption.

Justin’s Advice to Other HVACR Owners

When asked what he’d tell other contractors, Justin emphasized focusing on the bigger picture:

“Honestly, the most valuable things I’ve done for my business weren’t tied directly to our services. It’s been reading the right books, learning from other entrepreneurs, and building a strong network of bankers, accountants, mentors, and advisors.”

“Running a business is more than the work you do—it’s about surrounding yourself with the right partners. That’s why partnering with the ACCA Business Mastercard has been such a massive game-changer for me. When you work with people who actually understand your business and care about success, it amplifies everything you’re building.”