Contractor Financing Solutions is a point-of-sale financing platform built only for home improvement contractors. With one application, your customers can check offers from 30+ participating lenders and choose a monthly payment that fits their budget. Your business is paid when the loan funds, and the lender handles repayment from there. We work with residential contractors in more than 25 trades, from roofers and HVAC companies to remodelers, pool builders, and solar installers. Our goal is simple: make financing a normal part of every estimate, so price stops being the reason a good project stalls.
Home improvement projects often come with a significant price tag. Even when homeowners are ready to move forward, figuring out how to pay can delay the decision or put the project on hold.
We help you introduce financing right during the estimate, giving homeowners the opportunity to explore monthly payment options before making a decision. Your team can stay focused on the job without having to coordinate with lenders, manage credit paperwork, or collect monthly payments.
Your customers apply once and see offers from participating lenders, instead of applying at several banks on their own. If one lender says no, others in the network may still have an offer.
Your business is paid when the loan funds, based on the lender’s program terms. The lender collects the monthly payments, and under non-recourse programs, it assumes the homeowner’s repayment risk, subject to the applicable agreements.
Use your personalized financing link, add it to your proposals, or put it on your website. Customers can check their options on their own phone in minutes, without slowing down your sales process.
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Outdated process.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.
