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For the person who signs the cheque

Heat pumps for CFOs: what your energy bill is really telling you

You are paying good money for heat you could be getting mostly for free. Here is the whole case, in plain English — and a real project that banks ₱34,026 a month from month one.

Stuart Cox June 2026 5 min read

If you sign off on the energy bill, this one is for you. Skip the chemistry — here is the finance.

The whole thing in one line. You are paying good money for heat you could be getting mostly for free. A heat pump is the machine that collects it — and a bank will fund the whole thing, so you make money from the first month without spending your own cash.

It's an aircon, running backwards

Your aircon takes heat out of a room and dumps it outside. A heat pump does exactly the same thing, backwards: it takes heat out of the outside air and puts it into your hot water, your process, or wherever you need it. It's the same proven machine you already trust and service every day — just pointed the other way.

The fuel isn't electricity — it's the warm air around your building, which is full of free heat all year round in this climate. You pay a small electricity bill to run the pump; you pay nothing for the air. About three-quarters of the heat arrives free. You buy the last quarter.

The money line. An electric heater turns ₱1 of power into ₱1 of heat. A Karnot heat pump turns ₱1 into about ₱4 of heat — because three of those four pesos come free, out of the air. That's up to three-quarters off the energy you spend on heat.

Cash in your pocket from month one

You don't write a cheque. A green bank loan covers the equipment, and the fuel you stop buying is worth more each month than the loan repayment — so cash flow goes up from the very first month. Here is a real Karnot project, anonymised, with its actual figures:

You pay the bank
₱23,842
green loan, each month
You stop buying fuel
₱57,868
diesel no longer burned
In your pocket
₱34,026
every month, from month one

A real, anonymised Karnot project — a Philippine food processor. Equipment financed over 60 months. The full workings are in the book.

One machine, two jobs

The same machine heats and cools. A reversible heat pump delivers hot water and process heat on one side, and air-conditioning and refrigeration on the other — moving ambient heat rather than burning fuel to make it. For most Philippine businesses, heating and cooling together are the largest part of the energy bill, and this is the one machine that addresses both.

Why it stays cheap — and legal — for a decade

The refrigerant inside the box is now a business risk. Most heat pumps use synthetic gases (HFCs) facing a tightening phase-down. Karnot uses natural refrigerants — propane (R290) and CO₂ — with negligible global-warming potential and no phase-down hanging over them. They reach genuinely high temperatures for industrial work, cleanly, and stay cheap to run and legal long after the synthetic gases are restricted.

We measure first — your numbers, in writing

The figures above are one project's. Yours will be different, and we won't guess them. Send us your last electricity or diesel bill. We measure your building first and put your savings, payback and a financed cash-flow — like the one above — in writing, before you spend a peso. Then you decide.

Heat Pumps for CFOs — free book

Get the whole book — free

Heat Pumps for CFOs explains every line of this, gently, one idea at a time — sixteen short chapters, no jargon, reads in an afternoon. Grab the PDF and we'll measure your building whenever you're ready.

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Who's telling you this

Karnot Energy Solutions Inc. is a Philippine company in Pangasinan, named after Sadi Carnot and Lord Kelvin — the two physicists who worked out the rules your electricity bill still obeys. We build natural-refrigerant heat pumps for homes and businesses, engineered for this climate, and we measure your building first so the savings are proven before you spend. BOI-SIPP registration in process.

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Free, no-jargon, reads in an afternoon. Then we'll put your own numbers in writing — before you spend a peso.

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