Help your Texas contracting business win more jobs with flexible customer financing. Offer monthly payment options through our multi-lender network and get paid in full when the loan funds.
Financing for contractors in Texas lets you offer monthly payment options for roof replacements, foundation repairs, HVAC installations, and other home improvement projects. When homeowners don’t want to pay the full amount upfront, financing gives them another way to cover the cost while reviewing your estimate.
Contractor Financing Solutions connects customers with participating lenders through one application. Homeowners apply directly through the financing platform, and participating lenders handle credit decisions and repayment. Your company receives payment according to the lender’s funding arrangement, and your team can focus on the home improvement work.
✓One application, multiple lenders. Homeowners can check financing options from participating lenders while reviewing your estimate.
✓Financing for larger projects. Qualified homeowners may receive offers up to $100,000, depending on the lender, loan purpose, and their financial qualifications.
✓No monthly payments to collect. The lender handles repayment directly with the homeowner after funding, under non-recourse terms subject to the applicable program agreements.
✓Check offers without affecting credit scores. Checking available offers uses a soft credit inquiry. A hard inquiry happens only if the homeowner chooses an offer and submits a full application.
Share your financing link. Once your company is enrolled, you can include the link in estimates, send it by text, or share it during an appointment.
Customers review their options. Homeowners complete one application to check available offers from participating lenders. They can review the loan amount, interest rate, monthly payment, and repayment term of any offer before deciding whether to proceed.
Confirm funding. Payment timing depends on the lender and project. Some programs fund after loan documents are completed, while others require completed work, inspections, or additional documentation.
Confirm the payment schedule before starting work. For insurance-related projects, make sure you understand what the insurer will pay, what the homeowner is responsible for, and when financing funds will be available. If the project changes after work begins, check with the lender before adding to the financed amount.
The examples below show estimated monthly payments for common home improvement projects at a hypothetical 14.99% fixed APR, with no additional fees. Both five-year and 10-year repayment terms are included to show how the loan length affects monthly payments and total interest.
| Project Example | Amount Financed | 5 Years: Approx. Monthly / Total Interest | 10 Years: Approx. Monthly / Total Interest |
|---|---|---|---|
| Central AC replacement | $7,500 | $178 / $3,203 | $121 / $7,015 |
| Larger foundation repair | $12,500 | $297 / $5,339 | $202 / $11,691 |
| Impact-resistant roof replacement | $20,000 | $476 / $8,542 | $323 / $18,706 |
| Roof plus standby generator | $35,000 | $832 / $14,948 | $564 / $32,735 |
For a $20,000 roof replacement, the estimated monthly payment drops by about $153 with a 10-year loan instead of a five-year loan. However, the longer term adds approximately $10,164 in interest over the life of the loan.
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, with amounts rounded to the nearest dollar. Actual APRs, terms, fees, and approval vary by lender, loan amount, and the borrower’s credit profile, and the terms shown may not be available for every project.
Texas homeowners face a range of expensive repairs and improvements, from hail-damaged roofs and shifting foundations to AC replacements and backup power systems. Offering financing can be particularly useful when these projects need attention sooner than the homeowner expected.
After a hailstorm, homeowners may need to pay an insurance deductible and decide whether to upgrade to impact-resistant roofing materials. According to the Texas Department of Insurance, insurers set their own discounts for qualifying impact-resistant roofing, with Class 4 products generally earning the highest. Depending on the lender, financing may help cover permitted out-of-pocket costs, such as upgrades the claim doesn’t include.
Expansive clay soil is common in Texas and can cause foundations to shift as moisture levels change. Repair costs depend on the extent of the damage and how many piers or other supports are needed, which may change after an inspection. For larger repairs, monthly payment options may help homeowners manage an expense they weren’t expecting.
Extended outages after winter storms and hurricanes have made standby generators a common request in many Texas markets. Installing a permanent system may also require a transfer switch, concrete pad, and electrical or gas line work. These additional costs can make financing worth considering for homeowners who want backup power.
When an air conditioner fails during a Texas summer, homeowners may need to replace it quickly. Financing gives eligible customers a way to compare monthly payments while choosing a system that fits their home’s cooling needs and budget.
Along the Gulf Coast, properties insured through the Texas Windstorm Insurance Association need a Windstorm Certificate of Compliance for work such as reroofing and new windows or doors. Contractors should account for applicable windstorm construction and certification requirements when preparing the estimate, since they can affect the project’s total cost.
Home improvement costs vary depending on the project, location, materials, and labor involved. The estimates below come from Angi and HomeAdvisor. Some are specific to Texas, while others reflect national averages, so actual contractor quotes may differ.
| Project | Typical Range | Estimated Average | Basis | Source (Updated) |
|---|---|---|---|---|
| Roof replacement | $6,000 to $20,000 | $13,000 | Texas, 2,000 sq. ft. roof | HomeAdvisor (Jun 2026) |
| HVAC system replacement | $5,000 to $12,500 | $7,500 | National | Angi (Aug 2026) |
| Foundation repair (general) | $2,225 to $8,133 | $5,174 | National | HomeAdvisor (Jun 2026) |
| Permanent standby generator | $5,000 to $25,000 | Not published | National, installed standby systems | HomeAdvisor (Jun 2026) |
HomeAdvisor’s city estimates put roof replacements at about $9,500 in Dallas and Houston. The foundation figures reflect general repairs, while the $12,500 foundation example in the payment table represents a larger repair.
Texas has specific rules covering insurance-related repairs, home improvement contracts, and certain financing arrangements. Some requirements depend on whether the homeowner uses an unsecured personal loan or financing secured by the property. Contractors should understand which rules apply to their work and confirm any licensing or registration obligations. This section is a general overview, not legal advice.
According to the Texas Department of Insurance, Business and Commerce Code section 27.02 prohibits contractors from waiving, rebating, or absorbing a policyholder’s deductible, and contracts of $1,000 or more involving an insurance settlement must state that the homeowner is responsible for the deductible. Texas also prohibits contractors from acting as public adjusters on properties where they perform the work. Financing should be presented as a way to pay for eligible work, not as a substitute for the homeowner’s deductible obligation.
Article XVI, Section 50 of the Texas Constitution sets strict conditions for contracts that create a lien on a homestead for repair or renovation work, including a five-day waiting period, a three-day right to rescind, and signing at a lender’s, attorney’s, or title company’s office, with narrow exceptions for urgent health and safety repairs. An unsecured personal loan generally doesn’t use the homeowner’s property as collateral. However, contractors should confirm whether their home improvement contract or any related financing arrangement creates lien rights that trigger these requirements.
Under Business and Commerce Code Chapter 601, buyers in covered home solicitation sales over $25 can cancel until midnight of the third business day after the sale, as the Texas Attorney General explains. The required cancellation notice must be in the same language as the sales presentation, and contractors should account for the cancellation period before ordering materials or scheduling work.
Texas doesn’t issue a statewide general contractor or roofing license, but it does license specific trades. Air conditioning contractors must be licensed through TDLR, which also licenses electricians, and plumbing is licensed separately by the state. Cities may add their own registration or permit requirements.
The Office of Consumer Credit Commissioner requires businesses that originate retail installment agreements to register, and some retailers that offer financing through third-party lenders may need to register as well. A direct loan from a lender is structured differently from an installment contract a contractor signs and assigns, so contractors should confirm where their arrangement falls.
Each payment method has advantages and drawbacks. The right choice depends on the homeowner’s savings, credit, timeline, and the size of the project.
| Option | How It Works | Things to Consider |
|---|---|---|
| Cash or savings | The homeowner pays from their own funds. | Avoids borrowing costs, but reduces available savings. |
| Credit card | Revolving credit, often at a variable APR. | May work for smaller expenses, although rates and credit limits vary. |
| Home equity loan or HELOC | Borrowing secured by the home, subject to Texas’s constitutional home equity rules. | Can offer lower rates for homeowners with equity, but may require more time to arrange, making it less practical for urgent repairs. |
| Insurance settlement | For covered damage, the insurer pays according to the policy, sometimes in stages. | Pays covered losses subject to policy terms, deductibles, and claim limits. Upgrades and work outside the claim are the homeowner’s responsibility. |
| Independent personal loan | The homeowner applies with a bank, credit union, or online lender of their choice. | Homeowners apply independently, which may add time to the process. |
| Contractor-offered financing | One application reaches multiple participating lenders. | Allows homeowners to check financing options while reviewing the contractor’s estimate. Approval and terms vary by lender. |
Some Texas homeowners with lower credit scores may qualify for financing, depending on the lender. Certain participating lenders consider applicants with credit scores around 570, and eligibility can also depend on income, existing debt, credit history, and the amount requested. Homeowners can check available options directly through the financing platform, while participating lenders make all credit decisions. Approval isn’t guaranteed.
We’ll review the types of projects your company handles, the financing programs available to your customers, and how the application process works. You’ll also have a chance to review fees and funding requirements before enrolling.
✓Financing options for your type of work. Learn which participating lenders serve Texas homeowners for the projects you handle.
✓Clear payment timelines. Understand when lenders fund and what documentation they require.
✓A financing link for your estimates. Share it in proposals, by text, or during appointments.
✓Fees explained before enrollment. Review program costs and terms before you decide.
Request Your Free Financing Demo
Program fees depend on your business and how you plan to use financing. We walk through every fee during your demo, and all fees are written into your agreement before you enroll.
Payment timing varies by lender. Some lenders fund after loan documents are completed, while others require completed work, inspections, or additional documentation. We’ll explain the applicable funding requirements before you begin offering financing.
Homeowners may be able to finance certain storm-related repairs or upgrades, depending on the lender and the work involved. Texas law requires the homeowner to pay their insurance deductible, and contractors can’t waive, rebate, or absorb it.
Texas homestead lien requirements may apply when a home improvement contract or financing arrangement creates a lien on the homeowner’s property. Contractors should confirm the type of financing each lender offers and review their contracts with counsel.
Common projects include roof replacements, AC and HVAC systems, foundation repairs, standby generators, windows and doors, plumbing, and other home improvements. Each lender sets its eligible project types, so confirm eligibility for specialty or multi-trade work during onboarding.
No. Checking what a homeowner qualifies for uses a soft credit check, which won’t impact their credit score. A hard inquiry only happens if they choose an offer and move forward with a full loan application.
Under a non-recourse arrangement, the lender generally assumes the homeowner’s ordinary repayment risk after funding, so missed payments are between the homeowner and the lender. Review your agreements for exceptions involving fraud, refunds, cancellations, or contractual disputes.
Request a demo to review lender availability in your area, funding requirements, and program fees. After you enroll, you’ll receive a financing link to use with your estimates.
Even when a homeowner wants the work done, the upfront cost can delay their decision. Offering monthly payment options gives qualified customers another way to pay for roof replacements, HVAC installations, foundation repairs, and other major improvements. See how Contractor Financing Solutions can help you add financing to your estimates without managing customer loans or collecting monthly payments.
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.
