A transient finite difference thermal model based on the heat equations is developed, valid for spectrally selective surface coatings on any substrate material within a near-infrared (NIR) furnace. Spectral radiative heat transfer equivalent to a blackbody provides the heat source. Both radiative and natural convective cooling are accounted for. A Monte Carlo ray tracing algorithm is formulated and used to determine the radiation view factor. The variance of the algorithm in relation to mesh resolution and sample size is tested against published exact solutions. The radiative flux is divided into absorbed and reflected bands using hemispherical reflectance spectra measured within the 250–15,000 nm wavelength range, enabling the model to pre...