Since 1996, Salem Heating & Cooling has handled the toughest heating and air-conditioning job, large or small. Our professionally trained crew can install, replace, service, maintain and repair all makes of models of air-conditioning systems. This is where FTL Finance can benefit you. Not only is financing a great option for when you have an emergency expense, but also for when it makes sense to use your financial reserves for something else. FTL Finance was formed in February 2002 for the purpose of acquiring Thomas Leasing Company, a company that provided HVAC financing since 1996.