Help more Georgia homeowners move forward with roofing, remodeling, and other home improvement projects by offering monthly financing options. Your business gets paid when the loan funds.
Offer your Georgia home improvement customers monthly payment options through a network of participating lenders.
Major home repairs often come as a surprise. A roof may need replacing after a storm, an AC system can fail during a hot Georgia summer, or a crawl space inspection may reveal moisture damage the homeowner hadn’t noticed. Even when a customer wants the work done, paying the full amount upfront isn’t always realistic.
Contractor Financing Solutions provides financing for contractors in Georgia through participating lenders. Homeowners can check available offers with one online application and an initial soft credit check, while lenders handle credit decisions and loan repayment.
Roof replacements, AC installations, and foundation repairs can cost more than Georgia homeowners expected. Offering financing gives eligible customers another way to pay while they’re reviewing your estimate.
For your business, that means you can discuss monthly payment options without becoming the lender. Homeowners apply directly through the financing platform, and participating lenders handle credit decisions and repayment. Your project price stays separate from the loan’s interest and other borrowing costs, which are set by the lender.
Once your company is enrolled, you can offer financing when presenting an estimate, during a service appointment, or when following up with a customer. Here’s how the process works.
Share your financing link. You share your personalized financing link by text, by email, or on the estimate itself. The homeowner can open it during the appointment or later at home.
The homeowner checks available offers. The homeowner fills out one short application and sees any offers available from participating lenders, including the loan amount, APR, monthly payment, and term. Checking initial offers uses a soft credit inquiry that doesn’t affect the homeowner’s credit score. Final approval and loan terms are subject to the lender’s requirements.
Complete approval and confirm funding. The homeowner completes the lender’s application and approval process. Once approved, the lender releases funds according to its own requirements. Some lenders disburse funds to the contractor, and others send the money to the homeowner, who uses it toward the project. Some lenders also ask for a signed completion certificate or other documents first.
Not every lender pays the contractor directly, so confirm who receives funds and when before starting work. Certain insurance-related roofing contracts and in-home sales also carry Georgia cancellation rules, explained in the laws section below.
Depending on the lender, Georgia homeowners may be able to finance roofing expenses that insurance doesn’t cover, including certain upgrades or other out-of-pocket costs. Through Contractor Financing Solutions, the homeowner checks offers for that amount the same way they would for any other project, and eligibility depends on the loan program and the work being performed.
After a storm, the insurance payment may not cover every part of the project, and homeowners may also want materials or upgrades beyond what their policy pays for. If those expenses are eligible, financing gives them another way to cover the difference, separately from the insurance claim. Financing a homeowner’s own costs, including a deductible where the lender allows it, is different from a contractor waiving or absorbing the deductible, and it doesn’t change the homeowner’s obligations under the policy.
Georgia also has specific rules for residential roofing contracts involving insurance claims. A roofing contractor can’t negotiate the homeowner’s claim, and certain contracts carry a cancellation right tied to the insurer’s coverage decision. Contractors should confirm the cancellation requirements before collecting payment or applying financed funds; the details are in the laws section below. See our roofing contractor financing page for more on financing roof work.
Georgia homeowners can finance many home improvement and repair projects through participating lenders, including HVAC systems, roofs, crawl space encapsulation, foundation repair, plumbing, and remodels. Each lender sets its own eligible project types. Here are several common project types and how Georgia conditions affect them.
| Project | Why It Comes Up in Georgia |
|---|---|
| AC and heat pump replacement | Georgia’s long, humid summers put air conditioning systems to work for much of the year. When a system fails during hot weather, homeowners may need a replacement quickly. More on our HVAC contractor financing page. |
| Roof replacement | Hail, high winds, fallen trees, and tropical storm remnants can turn a repair into a full replacement, often alongside an insurance claim. |
| Crawl space encapsulation | Georgia’s humid climate can contribute to moisture problems in crawl spaces, including mold and wood rot. Homeowners may not discover the damage until an inspection or renovation. |
| Foundation repair | Georgia’s clay soils can expand and contract as moisture levels change, contributing to foundation movement. Homeowners may first notice cracks, uneven floors, or doors that no longer close properly. |
| Plumbing and water heaters | Water heater failures, aging supply lines, and sewer line repairs tend to be unexpected and immediate. |
| Remodels and additions | Kitchen remodels, bathroom renovations, and home additions can involve substantial costs, especially when plumbing, electrical, or structural work is required. |
Home improvement costs in Georgia vary with the size of the project, materials, and labor involved. The estimates below reflect Angi’s published Atlanta-area prices, so contractors in Savannah, Augusta, Macon, and other parts of the state may see different costs.
| Project | Typical Atlanta Range | Average | Source |
|---|---|---|---|
| Roof replacement | $5,211 to $10,355 | $7,777 | Angi (Jul 2026) |
| HVAC replacement | $5,005 to $12,513 | $7,508 | Angi (Apr 2026) |
| Crawl space encapsulation | $1,502 to $20,020 | $5,506 | Angi (May 2026) |
| Foundation repair | $2,253 to $6,876 | $4,544 | Angi (Oct 2025) |
The crawl space range is unusually wide because a basic vapor barrier and a full encapsulation with drainage, a dehumidifier, and repairs are very different projects. Angi’s roof average assumes a 1,490-square-foot home with about 1,800 square feet of roofing; larger roofs and premium materials cost more.
The table below shows what monthly payments might look like for four Georgia home improvement projects at a hypothetical 14.99% fixed APR with no fees. Compare five-year and 10-year repayment terms to see how the monthly payment and total interest change.
| Example Project | Financed | 5 Years: Monthly / Total Interest | 10 Years: Monthly / Total Interest |
|---|---|---|---|
| Crawl space encapsulation | $7,500 | $178 / $3,203 | $121 / $7,015 |
| HVAC system replacement | $12,500 | $297 / $5,339 | $202 / $11,691 |
| Storm-damaged roof with upgrades | $20,000 | $476 / $8,542 | $323 / $18,706 |
| Kitchen remodel | $35,000 | $832 / $14,948 | $564 / $32,735 |
On the $12,500 HVAC example, the 10-year term lowers the payment by about $95 a month but more than doubles the total interest, from about $5,339 to about $11,691. These examples illustrate different project sizes and aren’t intended to represent average installation costs.
Payment examples are hypothetical and are not offers of credit. They assume a fixed 14.99% APR, no fees, and on-time payments over the full term, rounded to the nearest dollar. Actual APRs, terms, fees, and approval vary by lender, loan amount, and the borrower’s credit profile, and 10-year terms may not be available for every project.
Georgia contractors need to follow applicable licensing, contract, and consumer protection rules when offering financing. Some requirements are especially important for in-home sales and roofing projects involving insurance claims. The summary below is general information, not legal advice, and contractors should confirm how each rule applies to their contracts.
| Rule | What It Says | Why It Matters With Financing |
|---|---|---|
| Contractor licensing | Residential and general contractors are licensed by a state board under O.C.G.A. Title 43, Chapter 41. HVAC, plumbing, and electrical work require separate state trade licenses; conditioned air contractors, for example, hold a Class I or Class II license. | Participating lenders may verify that a contractor holds the right license for the work before approving them to offer financing. |
| Home solicitation sales | A buyer can cancel a covered home solicitation sale until midnight of the third business day after signing, with written notice sent by certified mail or statutory overnight delivery, under O.C.G.A. section 10-1-6. | If a homeowner signs at their home, starting work or collecting funds before the cancellation period ends can create problems if they cancel. |
| Residential roofing and insurance | Under O.C.G.A. section 10-1-393.12, a homeowner may cancel a roofing contract paid from insurance proceeds within five business days after the insurer gives written notice that all or part of the claim isn’t covered. The roofer can’t require payment until that period expires, except for acknowledged emergency services, and can’t negotiate the claim. | Roofers should confirm the cancellation window has passed before any financed funds are applied to an insurance-related job. |
| Lender licensing | Georgia regulates consumer lending, and licensing requirements depend on the type and structure of the loan. The Georgia Department of Banking and Finance, for example, licenses installment lenders under the Georgia Installment Loan Act, and other state and federal rules apply to other loan types. | When a homeowner borrows directly from a participating lender, that lender is responsible for its licensing obligations. Contractors extending credit themselves should seek guidance on any additional requirements. |
Some cities and counties also require local business licenses or permits. Check local requirements for each jurisdiction where you work.
Georgia’s Home Energy Rebates, administered by the Georgia Environmental Finance Authority, can reduce the cost of qualifying energy upgrades, and homeowners may finance the remaining balance through a separate loan where both programs allow it. The state program includes Home Efficiency Rebates for whole-home upgrades that begin with an energy assessment, and Home Electrification and Appliance Rebates for qualifying electric equipment, with eligible households able to receive up to $16,000. Rebates work through program-approved contractors, and funding, eligibility, and available measures can change, so contractors should confirm current availability before including rebates in an estimate.
Federal tax credits for energy-efficient home improvements under sections 25C and 25D ended for equipment installed after December 31, 2025, according to the IRS.
Program update (October 2026): Check Georgia’s official Home Energy Rebates website for current application availability and eligible measures.
Georgia homeowners may use savings, insurance proceeds, credit cards, home equity loans, or personal loans to pay for repairs and improvements. Each option has different costs and requirements. Savings avoid interest, while insurance may cover certain storm-related damage depending on the policy.
Home equity loans and HELOCs use the property as collateral and may take longer to arrange. Credit cards can be useful for smaller expenses, depending on the available limit and interest rate. Contractor-offered financing gives homeowners another option to compare while reviewing your estimate, with approval and loan terms determined by participating lenders.
Georgia homeowners with less-than-perfect credit may still have options through Contractor Financing Solutions, because one application reaches several lenders with different approval standards. Approval also depends on factors such as income, existing debt, credit history, and the amount requested. Participating lenders make all credit decisions, and approval isn’t guaranteed.
Start with a free demo. We’ll learn about your business and the projects you handle in Georgia, explain which financing options may be available, and review funding requirements and program fees. If you decide to enroll, you’ll receive a financing link to share with customers.
Request Your Free Financing Demo
Yes. Eligible contractors throughout Georgia, including Atlanta, Savannah, Augusta, and Macon, can request access to the program. Homeowners check offers from a network of 30+ participating lenders, and availability depends on the customer’s qualifications, location, and project type. We’ll confirm available options during onboarding.
No. Checking offers uses a soft credit check, which won’t impact the homeowner’s credit score. A hard inquiry happens only if the homeowner chooses an offer and applies with that lender.
Depending on the lender, homeowners may be able to finance their deductible or other eligible out-of-pocket roofing expenses. Financing doesn’t waive the deductible or change the homeowner’s obligations under the insurance policy, and contractors should follow applicable Georgia insurance and roofing rules.
Georgia provides a specific cancellation right for certain insurance-related residential roofing contracts after the insurer issues written notice that all or part of the claim isn’t covered. Contractors should confirm when that period begins and ends before collecting payment or applying financed funds.
Yes. Crawl space encapsulation, waterproofing, and foundation repair are common financed projects, and participating lenders set the specific project types they accept. Homeowners can request financing based on the project estimate, although the amount approved may be different.
It depends on the lender. Some lenders disburse funds to the contractor, and others send the loan proceeds to the homeowner, who uses them toward the project. Some require a signed completion certificate or other documents first. We review how each available lender releases funds before you enroll.
Often, yes. A rebate can lower the cost of a qualifying upgrade, and the homeowner may finance what’s left if both the rebate program and the lender allow it. Rebate availability and requirements change, so confirm current rules on the state’s rebate site before including a rebate in an estimate.
When homeowners borrow directly from a participating lender, the lender holds the lending licenses. Your company still needs the appropriate Georgia contractor or trade license for the work itself. Contractors who plan to extend credit or hold installment contracts themselves should check with counsel about Georgia lending rules.
Program fees depend on your business and how you plan to use financing. Every fee is reviewed during your demo and written into your agreement before you enroll.
The lender collects the loan payments. With eligible non-recourse financing, your company generally isn’t responsible for missed payments, subject to your agreement, though you may still have obligations related to refunds, cancellations, fraud, or disputes.
Request a demo. We’ll review lender availability for your projects in Georgia, how funding works, and program fees. Once you enroll, you’ll get a financing link to share with your estimates.
Give your Georgia customers another way to pay for home repairs and improvements. Request a free demo today!
Contractor Financing Solutions is not a lender and does not make credit decisions. Financing is offered by independent participating lenders. Loan approval, available amounts, APRs, repayment terms, and funding timelines vary by lender, borrower qualifications, and applicable state requirements. Checking available offers uses a soft credit check that won’t impact credit scores; a hard inquiry may occur only if a borrower chooses an offer and submits a full application. Non-recourse arrangements are subject to the applicable lender and contractor agreements and do not eliminate obligations arising from fraud, refunds, cancellations, or contractual disputes. All project costs and payment illustrations are examples, not guaranteed prices or offers of credit.
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.
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.
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.
