Financing built for the kitchen-table close.
Most home projects are quoted in the customer’s home, often right after something breaks. Give homeowners a same-day decision and a monthly figure while you’re still there, on a program built around your jobs and paid on your schedule.
$0 enrollment fee$0 monthly feePaid on your schedule
01 Why it works
When the furnace quits, the budget doesn’t matter. The monthly payment does.
Replacement jobs rarely come at a convenient time, and planned remodels often get trimmed to fit cash on hand. A fixed monthly plan lets the homeowner choose the right system or the full scope, and lets you schedule the job without waiting for savings to catch up.
- Decisions the same day, often instantIncluding on emergency replacements, when the homeowner can’t wait.
- Apply at the kitchen tableHomeowners apply during your visit, with your rep there to answer questions.
- We explain the termsOur team walks the homeowner through the contract so your rep can focus on the project.
- Paid on your scheduleOnce the contract is complete, we fund you on the schedule you set.
02 Your program
A home improvement program, built for your business.
We don’t hand home improvement businesses a standard plan. We learn how you sell and build the program around it, then fund you on the schedule you set, with no enrollment or monthly fees.
- 01Jobs covered
- Replacements, installs, and service work, matched to what your crews actually sell.
- 02Ticket sizes
- Built around your quotes, from a water heater swap to a full roof or solar install.
- 03Terms and promotions
- Plan lengths and promotions that help a homeowner choose the right system instead of the cheapest one.
- 04Where homeowners apply
- At the kitchen table with your rep, by phone, or before the estimate.
- 05Your funding schedule
- Set by you, so cash flow lines up with how you buy equipment and pay crews.
03 Your customer, protected
We keep every contract we fund.
We purchase the completed retail installment contract and service it ourselves for its whole life. We never sell the loan off to other companies, so your customer always deals with us, and never with a stranger who has no stake in your reputation.
- Customers pay us, not youNo in-house payment plans, statements, or reminder calls for your staff.
- Never sold to another companyThe team your customer met at signing is the team they pay until the last payment.
- We explain the termsWe walk each customer through the contract in plain language before they sign.
We are an extension of your business and custodian of your brand reputation.
04 Where it fits
What financing looks like in practice.
A few typical situations we build programs around.
System replacement
A failed system needs replacing this week. Financing turns a large total into a payment the household can absorb.
Full roof replacement
Storm or age damage that can’t wait, without draining the homeowner’s savings.
Whole-home water treatment
Filtration and softening systems sold in-home, priced by the month rather than as one lump sum.
05 Home improvement lines
Every home improvement line we finance.
26 business types and counting. Don’t see yours? Ask us; we review others case by case.
- General home improvement & remodelingInterior and exterior remodels, kitchen and bath projects, and other contractor-led renovations.
- HVAC (heating & air)Heating, air conditioning, and related comfort-system replacement or repair, including unplanned emergency jobs.
- RoofingRoof repair or replacement, whether planned or storm- or age-driven.
- SidingSiding replacement and upgrades, including material and energy-efficiency choices.
- Windows & doorsWindow and door replacement, including energy-efficient upgrades.
- Water filtration / water treatmentWhole-home filtration, softening, and drinking-water systems.
- Solar, solar battery & energy efficiencySolar, home solar-generator or battery systems, and energy-efficiency upgrades.
- GeneratorsHome standby or backup generators.
- EV charging station installationResidential EV charger installation by electricians and related contractors.
- Landscaping & turfLandscaping projects and, where offered, synthetic-turf installation.
- Decks & patiosDeck and patio construction or replacement.
- Driveways / concrete
- InsulationAttic and home insulation upgrades.
- Pools (installed)In-ground and above-ground pool projects sold by pool contractors.
- PlumbingPlumbing repairs, replacements, and related home-services work.
- House paintingInterior or exterior house-painting projects.
- Playsets
- Invisible fence
- Cleaning system sales (in-home / direct sales)In-home vacuum and cleaning-system sales.
- Fences
- Home automation
- Flooring (installed)New flooring as a renovation project.
- Garages & portable buildings
- Storm shelters
- Septic systems
- Lighting and electricalLighting and electrical home-services work.
06 Home Improvement FAQ
Questions from home improvement businesses.
More in the merchant FAQ, or call (949) 207-9323.
Can we offer financing on emergency jobs?
Yes. Every applicant gets a decision the same day, often instantly, so emergency replacements can go ahead.
Do you work with in-home sales companies?
Yes. In-home and direct-sales businesses, such as water treatment and cleaning systems, are part of the program.
Are pools and hot tubs both covered?
Installed pools are part of home improvement. Hot tubs sold by a dealer are covered under retail.
What if the homeowner is approved for less than the quote?
We tell them the maximum we can finance, so you can adjust the scope or the deposit rather than lose the job.
Other industries
Build a program for your home improvement business.
No enrollment fee, no monthly fee. Tell us how you sell and we’ll design the program around it.