RESOURCES

Compare Contractor Financing Companies and Programs

2026 Best Contractor Financing Companies (2026) Loan amounts, rates, contractor fees, and payment timing for the major providers, side by side. →

VS In-House vs Third-Party Financing Collection risk, cash flow, and compliance when you finance customers yourself versus using a lender.

Compare Contractor Financing Providers

GS GreenSky Alternatives Loans up to $100,000 with deferred-interest promos, but merchant fees aren’t published. Compare lower-fee and multi-lender options.

W Wisetack Alternatives Most Wisetack offers top out at $25,000. See options for roof, HVAC, and remodel jobs that need larger amounts and longer terms.

AF Acorn Finance Alternatives Free for contractors with 20+ lenders, but loan funds go to the homeowner. Compare options with different payout setups. →

H Hearth Alternatives Software plus financing on an annual subscription ($2,000 to $6,000 a year, per Hearth). Compare financing-only options.

S Synchrony Alternatives HOME card promos are deferred interest, so unpaid balances are charged interest from the purchase date. Compare fixed-payment installment loans.

SF Service Finance Alternatives Truist-owned home improvement lender. Compare its promotional programs, dealer fees, and credit range with other options.

M Momnt Alternatives Loans up to $75,000 with terms up to 15 years for qualifying merchants. Compare eligibility, fees, and payment timing.

HFS HFS Financial Alternatives Homeowners apply directly for pool and home improvement loans. Compare it with financing you offer during the estimate.

FMC Fund My Contract Alternatives Membership platform with prime and second-look lenders. Compare membership costs, lender mix, and credit range.

MO Mosaic Alternatives Mosaic paused new loans after its June 2025 bankruptcy filing. See solar and home improvement financing you can use now.

Avg. Project

Quotes / Month

Current Close Rate

Target Close Rate

Additional Monthly Revenue

+$30,000

Extra Jobs / Mo +2

Extra Annual +$360,000

Revenue: $90,000 → $120,000

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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.

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Lending Partners

why choose us

How Contractor Financing Works

Offer monthly payments to homeowners in three simple steps, without becoming a lender or handling customer loan payments.

01

Become a partner

Schedule a free demo to see how contractor financing works and sign-up to get access to your personalized financing portal.

02

Homeowners apply and compare offers

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.

03

Get paid once financing is funded

Once the homeowner accepts a loan and funding requirements are satisfied, your business receives payment. Eligible larger projects may use staged funding.

Let's Talk!

Start closing bigger projects today.

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.