Breeze Lease Purchase

What Breeze Lease Purchase does

Breeze Lease Purchase (legal entity: Okinus, Inc. dba Breeze Lease Purchase) is a US-focused, lease-to-own consumer finance provider headquartered in Pelham, Georgia, and operated as a division of Okinus Credit Solutions. Founded in 2004, the company finances the acquisition of residential HVAC systems, water heaters (including tankless), furnaces, heat pumps, and selected adjacent home improvement equipment (pool pumps, garage door openers, replacement parts) for homeowners who are unable to qualify for traditional credit-based contractor financing. Underwriting is positioned as credit-status-agnostic, with instant approval amounts in the $9,000-$18,000 range and fixed monthly payments extended over leases of up to 48 months; an early payoff option and an optional Loss Damage Waiver add-on are also offered. The company targets the addressable population of homeowners with less-than-perfect credit, which the firm cites at 29%+ of US adults.

The business operates a dual-channel go-to-market. In direct-to-consumer mode, homeowners apply at breezelease.com with applications reportedly completed in under a minute and instant approval decisions. In the B2B2C channel, HVAC contractors, plumbers, and home improvement businesses apply through the Breeze Lease Hub partner portal, refer customers, and receive funding from Breeze within 2-3 business days of job completion while Breeze collects the lease payments from the homeowner. The company has built its contractor channel through partnerships with more than 15 national and state HVAC/R trade associations (ACCA, SMACNA, PHCC, Service Nation, Women in HVACR, and state bodies in GA, FL, TX, AZ, SC, LA, TN, NV). Revenue is generated primarily through recurring monthly lease payments over the lease term, supplemented by transactional economics on contractor-referred volume; pricing is quote-based, not publicly disclosed, and the company emphasizes no hidden fees. Geographic coverage extends across most US states, with explicit operating exclusions in NJ, DC, WY, HI, MN, and WI, consistent with state-by-state lease-purchase regulatory limitations. The company has 51-100 employees, no disclosed external institutional funding, and is privately held under Okinus Credit Solutions; no acquisitions, leadership changes, funding rounds, or proprietary AI/ML capabilities are referenced in the source data.

Name

Breeze Lease Purchase

Legal name

Okinus, Inc. dba Breeze Lease Purchase

Website

https://breezelease.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

51–100 employees

Short description

Breeze Lease Purchase is a US-based lease-to-own financing provider that delivers HVAC, water heater, and home improvement equipment to credit-challenged homeowners via direct-to-consumer applications and a national contractor partner network.

Ownership category

akta.pro rank

Product category

Consumer Lease-to-Own Financing

NAICS

Consumer Electronics and Appliances Rental (532210), Consumer Goods Rental (5322)

SIC

Services-Equipment Rental & Leasing, Nec (7359)

akta.pro industry

PRIMARYFSAKANAE

Rent-to-Own (RTO) Consumer Leasing

Financial & Insurance/Lending & Consumer Finance/Consumer Leasing (Non-mortgage)

SECONDARYFSAKANAC

Appliance Leasing (Home & Kitchen)

Financial & Insurance/Lending & Consumer Finance/Consumer Leasing (Non-mortgage)

Keywords

• Lease-to-own financing
• HVAC equipment leasing
• Home improvement financing
• Water heater leasing
• Alternative credit financing

Headquarters

HQ city

Pelham

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Lease-Purchase Financing: The company generates revenue through lease-purchase agreements for home HVAC equipment and water heaters. Customers make fixed monthly payments over a lease term (up to 48 months) and gain ownership upon completion of payments or by exercising an early purchase option. No interest rates are explicitly disclosed in the source material.
2. Contractor Partnership Fees: Contractors receive compensation for referring customers to the Breeze Lease program. The company earns revenue by financing equipment leases and taking a share of the payment stream over the lease term.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Breeze Lease Purchase provides lease-to-own financing for residential HVAC systems, water heaters, furnaces, heat pumps, pool pumps, garage door openers, and related replacement parts, targeting homeowners who cannot qualify for traditional credit-based contractor financing. Customers apply online in under a minute, receive instant approval for $9,000-$18,000, and make fixed monthly payments over lease terms of up to 48 months to acquire ownership. The company also operates a contractor partner channel through the Breeze Lease Hub, enabling HVAC and home improvement businesses to originate leases and receive funding within 2-3 business days of job completion.

Product overview

Breeze Lease Purchase is a lease-to-own financing platform that provides flexible credit solutions for home improvement equipment, primarily serving homeowners who lack traditional financing options. The core product portfolio includes climate control systems (air conditioners, HVAC systems, furnaces, heat pumps, water heaters) and related equipment (pool pumps, garage door openers, replacement parts). The platform operates through an integrated model where it purchases equipment from contractors on behalf of customers, who then make monthly lease payments. The Partner Portal (Breeze Lease Hub) enables contractors to submit applications, process approvals, and manage funding workflows. An optional Loss Damage Waiver add-on provides protection against covered losses or damage to leased property.

Differentiator

Problem solved

Functional benefit

Products and services

• Air Conditioner Leasing Lease-to-own financing for residential air conditioning systems (including ductless systems), enabling homeowners to spread installation costs over up to 48 months without upfront payments or credit checks. Targeted at homeowners who cannot afford upfront AC replacement (typically over $5,000).
• HVAC System Leasing Lease-purchase financing for complete residential HVAC systems, allowing homeowners to replace or repair critical home comfort systems through fixed monthly payments without credit checks.
• Furnace and Water Heating Systems Leasing Lease-to-own options for residential furnaces, boilers, and water heaters (both traditional and tankless), allowing installation payments to be spread over 48 months for homeowners needing heating system replacement.
• Heat Pump Leasing Lease-to-own financing for residential heat pumps that provide both heating and cooling, expanding access to these versatile but expensive systems for homeowners without traditional financing options.
• Replacement Parts Leasing Lease options for HVAC replacement parts (heat exchangers, evaporator coils, and similar components), allowing homeowners to make repairs without purchasing new full units and without credit checks.
• Pool Pump Leasing Lease-to-own financing for residential swimming pool pumps to maintain proper water circulation, offered under the same no-credit-check lease-purchase program as HVAC and water heating equipment.
• Garage Door Installation Leasing Lease financing for residential garage door openers and installations, providing homeowners with convenient and secure garage access through the lease-purchase program.
• Loss Damage Waiver (LDW) Optional protection plan that shields customers from financial responsibility for leased property impacted by covered loss or damage such as fire, theft, flooding, or natural disasters. The waiver fee is bundled into the total lease payment.

Quantifiable outcome

• Approval decisions in seconds
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

18 partnerships are on record, tiered industry, core, vendor and regional.

• Women in HVACRindustryGTM or Marketing PartnerIndustry association partnership promoting women in the HVAC/R trade. Breeze is a proud partner with this organization.
• ACCA (Air Conditioning Contractors of America)coreGTM or Marketing PartnerNational trade association for HVAC contractors. Partnership provides access to contractor network and industry recognition.
• Online AccessvendorTechnology or IntegrationWebsite platform provider powering Breeze Lease website. Also listed as powering the website.
• Service NationindustryGTM or Marketing PartnerTrade association for home service contractors. Partnership helps connect Breeze with qualified contractors.
• FTL FinanceindustryGTM or Marketing PartnerFinancial services partner in the home improvement financing space.
• Conditioned Air Association of GeorgiaregionalGTM or Marketing PartnerState-level trade association for HVAC contractors in Georgia. Regional partnership for contractor networking.
• Florida Refrigeration and Air Conditioning Contractors AssociationregionalGTM or Marketing PartnerState-level trade association for HVAC/R contractors in Florida. Regional partnership for contractor networking.
• Air Conditioning Contractors AssociationindustryGTM or Marketing PartnerNational trade association for HVAC contractors. Partnership provides access to contractor network and industry recognition.
• Texas Air Conditioning Contractors AssociationregionalGTM or Marketing PartnerState-level trade association for HVAC contractors in Texas. Regional partnership for contractor networking.
• Plumbing-Heating-Cooling Contractors AssociationindustryGTM or Marketing PartnerNational trade association for plumbing, heating, and cooling contractors. Partnership provides access to contractor network.
• Mechanical Trade Contractors of ArizonaregionalGTM or Marketing PartnerState-level trade association for mechanical contractors in Arizona. Regional partnership for contractor networking.
• South Carolina Association of Licensed TradesregionalGTM or Marketing PartnerState-level trade association for licensed contractors in South Carolina. Regional partnership for contractor networking.
• Louisiana Plumbing Heating Cooling Contractors AssociationregionalGTM or Marketing PartnerState-level trade association for contractors in Louisiana. Regional partnership for contractor networking.
• Tennessee Plumbing Heating Cooling Contractors AssociationregionalGTM or Marketing PartnerState-level trade association for contractors in Tennessee. Regional partnership for contractor networking.
• Shearer SupplyvendorChannel Partner/ Reseller/ DistributorHVAC equipment and parts supply distributor. Partner for equipment procurement in the home comfort industry.
• EgiaindustryGTM or Marketing PartnerIndustry partner organization in the HVAC/home services space.
• Southern Nevada Air Conditioning Refrigeration Service Contractors Association (SNARSCA)regionalGTM or Marketing PartnerRegional trade association for HVAC/R contractors in Southern Nevada. Regional partnership for contractor networking.
• Sheet Metal and Air Conditioning Contractors' National Association (SMACNA)coreGTM or Marketing PartnerNational trade association for sheet metal and HVAC contractors. Core industry partnership providing access to national contractor network.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Acima Leasing: Acima is a lease-to-own provider owned by The Aaron's Company, offering no-credit-needed financing at retailer and e-commerce checkouts. It is a broad incumbent in the RTO/lease-purchase consumer financing space with similar target customers.
• Synchrony Financial: Synchrony is one of the largest consumer financing companies in the U.S., with major home improvement credit card and installment loan programs. It is a broad incumbent that competes for contractor relationships and consumer financing volume, though it serves different credit tiers.
• Aaron's Holdings: Aaron's is one of the largest U.S. rent-to-own operators for furniture, appliances, and electronics, serving subprime consumers. It is a broad incumbent in traditional brick-and-mortar RTO, with significant overlap in customer demographics but different category focus.
• Progressive Leasing: Progressive Leasing, a subsidiary of PROG Holdings, is one of the largest virtual lease-to-own providers in the U.S., serving credit-challenged consumers across many retail categories. It is a broad incumbent in RTO consumer leasing with significantly more scale than Breeze.

Emerging players

• Wisetack: Wisetack is a consumer lending fintech that offers point-of-sale financing for home services such as HVAC, plumbing, and electrical work. It is an emerging player that overlaps with Breeze on contractor channel and home improvement financing, but with a digital-first, credit-based underwriting approach.
• Hearth: Hearth is a fintech platform offering home improvement financing through a contractor network, including options for subprime customers. It overlaps with Breeze on the contractor-led home improvement financing experience but competes on technology and digital UX.

Direct peers

• FTL Finance: FTL Finance provides consumer financing for HVAC, water heaters, and home improvement projects, partnered directly with contractors. It is listed as both a partner and competitor in Breeze's space, with overlapping target customers (subprime homeowners) and same contractor-led distribution model.
• EnerBank USA: EnerBank specializes in unsecured home improvement loans, with a heavy emphasis on HVAC and energy-efficiency upgrades via contractor partnerships. It is a directly comparable competitor in the HVAC contractor financing space, though EnerBank operates as a credit-based lender.
• Snap Finance: Snap Finance is a lease-to-own consumer financing provider serving credit-challenged shoppers across furniture, automotive, and home improvement. Its lease-purchase model and subprime target market closely align with Breeze Lease's core offering.
• Service Finance Company: Service Finance is a consumer direct lender specializing in home improvement financing including HVAC, windows, and solar, serving contractors and homeowners. It is one of the closest direct peers to Breeze Lease Purchase, offering similar lease/financing products through a contractor partner channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/LeaseBreeze
• Facebookfacebook.com/breezeleasepurchase
• LinkedInlinkedin.com/company/breeze-lease-purchase

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Breeze Lease Purchase