Tub-to-shower conversions
Homeowners replacing an old bathtub with a walk-in shower can check financing options while reviewing the estimate.
Bathroom remodeling financing designed for contractors. Help homeowners afford their dream bathrooms with flexible monthly payments and fast approvals, so you can close more deals and keep projects moving.
Bathroom remodel financing helps contractors offer monthly payment options for tub-to-shower conversions, walk-in tubs, shower replacements, and complete bathroom renovations. Homeowners can explore financing without your company managing loans or collecting monthly payments.
Contractor Financing Solutions connects homeowners with participating lenders through an online application. You can share a personalized financing link during an estimate or send it by text or email.
Depending on the lender and program, funds may be sent to your company or the homeowner. Participating lenders handle loan repayment, and non-recourse arrangements may be available under the applicable agreements.
Financing can be part of your existing estimate and sales process. Homeowners enter their information directly into the application; your staff doesn’t need to collect sensitive financial details or make credit decisions.
Funding timing varies. Some programs release funds after loan signing, others after installation, and some may allow payments at project milestones. Do not order custom materials based on an initial offer alone.
Bathroom renovations can be expensive, whether a homeowner needs a safer shower, wants to replace an aging bathtub, or plans to update the entire room. Unexpected plumbing repairs or water damage can also increase the cost.
After receiving an estimate, some homeowners may delay the work or reduce the project scope. Offering financing gives them another payment option to consider alongside savings, credit cards, and other borrowing methods.
Your sales team can present the full project price and explain how customers can check available monthly payment options. The homeowner can then compare the total borrowing cost and decide what works for their budget.
The following examples illustrate how loan length affects monthly payments and total interest. They assume a hypothetical fixed 14.99% APR, no fees, and financing of the full project amount. These are calculations, not loan offers. Actual rates, fees, amounts, and terms depend on the lender and applicant.
| Loan amount | 5-year monthly payment | 5-year total interest | 10-year monthly payment | 10-year total interest |
|---|---|---|---|---|
| $8,000 | About $190 | About $3,417 | About $129 | About $7,482 |
| $15,000 | About $357 | About $6,407 | About $242 | About $14,029 |
| $25,000 | About $595 | About $10,678 | About $403 | About $23,382 |
| $45,000 | About $1,070 | About $19,220 | About $726 | About $42,087 |
A longer repayment term can lower the monthly payment but increase the total interest paid over the life of the loan. For example, the $25,000 illustration has a monthly payment about $192 lower over 10 years than over five years, but roughly $12,704 more in total interest.
Bathroom remodeling companies handle everything from tub and shower replacements to full renovations that take several weeks. Financing may be available for either type of project, subject to lender requirements.
Homeowners replacing an old bathtub with a walk-in shower can check financing options while reviewing the estimate.
Financing may help homeowners spread the cost of walk-in tubs, curbless showers, grab bars, and other accessibility improvements.
Customers planning a complete renovation can explore financing for eligible fixtures, flooring, vanities, and installation.
Unexpected repairs can increase remodeling costs. Financing may provide another way to cover eligible work.
Bathroom remodeling prices vary based on the size of the room, materials, local labor rates, plumbing changes, and the extent of demolition or water damage. Replacing a tub or shower usually involves a different scope of work than renovating an entire bathroom.
For national project-cost benchmarks, see the 2025 JLC Cost vs. Value Report. Its modeled remodeling projects are useful reference points, but they aren’t quotes for a particular home or a reliable price list for every tub-to-shower conversion or walk-in tub installation.
What to check in an estimate: Ask whether demolition, plumbing changes, waterproofing, subfloor repairs, glass enclosures, electrical work, permits, and cleanup are included. Those details can materially change the final price.
Financing isn’t the only option. Understanding the differences can help your team answer questions without recommending a specific loan to a customer.
| Payment method | How it works | When it may fit |
|---|---|---|
| Cash or savings | Homeowner pays without borrowing or interest. | Customers who can pay the project cost while keeping adequate savings. |
| Credit card | Customer charges eligible expenses; interest and processing fees may apply. | Smaller purchases or balances the homeowner expects to pay off promptly. |
| Home equity line of credit (HELOC) | Borrowing secured by the home, often at a variable rate. Closing can take time. | Larger projects for homeowners with sufficient equity who understand the risks. |
| Personal loan | Customer applies through a bank, credit union, or online lender. Terms and disbursement vary. | Homeowners who prefer to arrange borrowing independently. |
| Contractor-offered financing | Customer checks available offers through a link provided by the contractor. | Homeowners who want to explore monthly payments while considering a proposal. |
Borrowing costs, lender requirements, and payment timing differ. A HELOC uses the home as collateral, which can put the home at risk if the borrower doesn’t repay. Contractors should describe available options without giving personalized financial advice.
Some participating lenders consider applicants with less-than-perfect credit, but approval is not guaranteed. Lenders may review credit history, income, existing debts, and other information. Loan amounts, interest rates, and repayment terms vary by applicant and lender.
If a homeowner doesn’t qualify for the full project amount, you can discuss a smaller project scope, a down payment, or another payment method. Essential waterproofing, code requirements, and safety features shouldn’t be removed simply to fit a financing amount. Staff should never advise applicants to change or misrepresent information on a loan application.
Contractor Financing Solutions is a financing marketplace, not a lender. It helps bathroom remodeling companies share third-party financing options without operating their own loan program.
Request a Free Financing Demo →
Request a demo to review the available programs, contractor fees, and funding arrangements. If you enroll, you’ll receive a financing link to share with homeowners.
Enrollment costs and other program fees depend on the arrangement. Review all applicable fees and contract terms during the demo and before enrolling.
Yes. Reps can share the application link while presenting a proposal or send it afterward. Homeowners provide their information directly; your team doesn’t make lending decisions.
Funding timing and payment recipients vary by lender and program. Some arrangements pay contractors after loan signing, others after installation or at project milestones. Confirm the applicable requirements before ordering materials or treating a job as paid.
Participating lenders manage loan repayment. Under qualifying non-recourse arrangements, the lender generally assumes ordinary borrower nonpayment risk, but contractor agreements may include exceptions for fraud, refunds, cancellations, disputes, or other obligations.
Initial prequalification through supported programs uses a soft credit inquiry that does not affect the homeowner’s credit score. A participating lender may perform a hard inquiry if the homeowner proceeds with a full application. The timing and requirements depend on the lender.
Some participating programs may offer loans up to $100,000 to eligible borrowers. Actual offers depend on the lender, borrower qualifications, loan purpose, and available program terms. Not every applicant or project will qualify.
Approval is determined by the lender. If no eligible offer is available, the homeowner can consider another payment method or discuss a smaller project scope. Financing is never guaranteed.
Offering bathroom remodel financing gives homeowners another way to consider the cost of a shower replacement, walk-in tub, or complete renovation. Your company can share available payment options while participating lenders handle credit decisions and loan repayment. Before enrolling, compare contractor fees, funding arrangements, and the loan options available to your customers.
See how participating lender programs work, what they cost, and how to share monthly payment options with your customers.
Disclosure: Contractor Financing Solutions is not a lender and does not make credit decisions. Financing is provided by independent participating lenders. Approval, loan amounts, APRs, repayment terms, credit inquiry procedures, funding recipients, and funding timelines depend on the lender, borrower qualifications, and applicable requirements. Initial offer checks through supported programs use soft credit inquiries; a hard inquiry may occur during a full application. Non-recourse arrangements are subject to applicable agreements and may not eliminate obligations related to fraud, refunds, cancellations, or contractual disputes. Payment examples are hypothetical, not offers of credit. Project costs vary by scope and location. This information is not legal, tax, or personalized financial advice.
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.
