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There's many ways to pay for your new mini-split system, including flexible payment solutions such as Affirm or PayPal Credit. These programs allow you to make monthly payments, often times with zero interest, in place of a large one-time payment up front.
https://www.affirm.com/business/apr-calculator/
https://www.paypal.com/us/webapps/mpp/paypal-credit-signin
There are also local, state, and federal incentives available for ENERGY-STAR rated appliances. You can search online for what local rebates are offered to you (and the conditions that need to be fulfilled to qualify).
Click here to learn more about rebates and which ones you may qualify for.