Give homeowners flexible monthly payment options for projects up to $100,000 through our network of over 30 participating lenders. Your customers pay over time while your business gets paid upfront.
A homeowner may be ready to move forward with your proposal, but the upfront cost can stand in the way. Contractor Financing Solutions helps you turn more estimates into signed projects by offering flexible monthly payment options without discounting your work or taking on the burden of managing customer loans.
Through our network of 30+ participating lenders, homeowners can explore financing options that fit their budgets, while your business gets paid upfront once funding is complete.
With non-recourse financing, you avoid the responsibility of collecting monthly payments or managing customer defaults, allowing you to focus on winning more jobs and completing projects.
Offer monthly payments to homeowners in three simple steps, without becoming a lender or handling customer loan payments.
Share your link by text, email, estimate, or in person. Homeowners complete one quick application to explore offers from multiple lenders, starting with a soft credit check that won’t affect their credit score.
From roofing and HVAC to major home renovations, help homeowners finance projects of all sizes with flexible monthly payment options through our participating lender network.
Roof replacements, roof repairs, metal roofing, and exterior restoration.
Air conditioning, heating systems, heat pumps, ductwork, and HVAC replacements.
Window replacements, entry doors, patio doors, and exterior upgrades.
Kitchen renovations, bathroom remodeling, cabinetry, countertops, and flooring.
Home additions, whole-home renovations, and major remodeling projects.
New swimming pool installations, pool renovations, spas, and outdoor living.
Estimate potential returns from offering customer payment plans.
Additional Monthly Revenue
Revenue: $90,000 → $120,000
Disclaimer: Results are estimates for illustrative scenario planning only and do not guarantee future revenue, approval rates, or closing percentages. Actual revenue will vary based on customer creditworthiness, project scope, lender terms, and merchant processing fees.
Built for contractors. Focused on closed deals.
Outdated process. Heavy friction.
Every estimate you send without a monthly payment option is a deal you’re leaving to chance. Get started with Contractor Financing Solutions and give your next homeowner an easier way to say yes.
Common questions and answers
Contractor financing allows home improvement businesses to offer customers monthly payment options instead of requiring the full project cost upfront. Contractors partner with financing providers that connect homeowners with third-party lenders. Once a customer accepts a loan and funding requirements are met, the contractor receives payment while the homeowner repays the lender over time.
Contractors can offer customer financing by partnering with Contractor Financing Solutions. Contractors receive a personalized portal and financing link to share with homeowners. Customers complete one simple application to explore offers from participating lenders, without the contractor managing credit decisions or loan repayments.
Home improvement financing may be available for roofing, HVAC replacement, kitchen and bathroom remodeling, windows, doors, plumbing, swimming pools, electrical upgrades, and other residential improvements. Eligible project types and loan amounts depend on the participating lender, homeowner qualifications, and financing program requirements.
Homeowners may qualify for financing up to $100,000 through participating lenders in the Contractor Financing Solutions network. The amount offered depends on factors such as credit history, income, existing debt, and lender underwriting criteria. Not every applicant will qualify for the maximum amount, and available loan terms vary.
Some participating lenders may consider homeowners with FICO credit scores starting around 570, although minimum requirements vary by lender. Approval is not based on credit score alone. Lenders may also evaluate income, employment, existing debt, and overall creditworthiness when determining eligibility, loan amounts, and repayment terms.
No, homeowners can begin exploring financing options through a soft credit inquiry, which does not affect their credit score. However, some lenders may perform a hard credit inquiry later in the application or loan acceptance process.
Contractors receive payment after the homeowner’s loan is approved, accepted, and funded according to the lender’s requirements. Payment timing depends on the lender, verification process, and project structure. Some larger home improvement projects may qualify for staged disbursements rather than a single upfront payment.
Contractor Financing Solutions offers access to non-recourse financing arrangements in which the lender, rather than the contractor, assumes the homeowner’s repayment risk. The lender services the loan and collects monthly payments. Contractors remain responsible for their contractual obligations, and specific recourse exceptions or funding conditions depend on the lender agreement.
