WE FINANCE

HOME SERVICES.

ALL CREDIT SCORES

WELCOME.

WELCOME.

WE FINANCE

HOME SERVICES.

WE FINANCE

HOME SERVICES.

ALL CREDIT SCORES WELCOME.

ALL CREDIT SCORES WELCOME.

WHY HOME SERVICE FINANCING?

  • Approvals for credit scores as low as 400!


  • The industries largest network of 300+ lenders!


  • Receive payments directly with our DirectPay option!

WHY HOME SERVICE FINANCING?


  • Approvals for credit scores as low as 400!


  • The industries largest network of 300+ lenders!


  • Receive payments directly with our DirectPay option!

NEED MORE JOBS? OFFER HOMEOWNERS FINANCING SO THEY CAN PAY FOR YOUR SERVICES FROM $1,000 TO $100,000.

WIN MORE JOBS & EXPAND YOUR BUSINESS.

Make your services more affordable by offering financing to homeowners with payments over 12 months to 15 years with zero prepayment penalties. Reach more homeowners and win more jobs by introducing flexible payment options to better serve them.


Customers enjoy the benefits of your services with affordable monthly payments while you get paid in full.

RAISE YOUR PRICES AND UPSELL HOMEOWNERS.

Studies show that homeowners who are offered financing options spend 25% more on home improvements. Our application process takes minutes to complete and offers on-the-spot approvals, showing the total amount of capital each customer is eligible to receive. Thereby, allowing you to confidently offer your premium services which they can finally afford to pay for.


The best part is you don’t have to cut into your margins to offer financing to customers that want great quality.


THE END OF CHASING PAYMENTS.

With Home Service Financing, we offer direct-to-contractor payouts meaning you’ll spend zero time chasing homeowners and instead, focus on getting the next sale. As a contractor, you already know the challenges with homeowners not paying on time, as well as the cash flow issues this creates for your business.


Our financing solution pays you upfront and eliminates the headache of chasing payments, you have zero liability for defaulted loans, and we do all the work of collecting loan payments from homeowners.

GET PAID WITHIN 48 HOURS.

We understand that generating new revenue is critical to growing your contracting business. Traditional financing institutions take forever to approve homeowners and even longer for funds to reach bank accounts, making it hard to predict your cashflow due to the delays.


When your customers use Home Service Financing to pay for your home improvement services, we guarantee funds within 48 hours via direct deposit. Our financing is fast, easy, and helps drive more revenue into your business.

QUICK. SIMPLE. SECURE.

How Home Service Financing Works for Your Customers

1. Pre-Qualify

Customer fills out easy online form to check for pre-qualified offers with no impact to their credit score

Customer fills out easy online form to check for pre-qualified offers with no impact to their credit score

2. Select Offer

Within 10-seconds, customer receives offers and compares options to select one that’s best for them

Customer receives offers and compares terms and payment options to select offer that’s best for them

3. Finish Application

Customer completes application process on their selected lender’s website within minutes

Customer completes application process on their selected lender’s website within minutes

4. Receive Funds

After loan approval, your customer’s funds are sent within 1-2 business days

After loan approval, your customer’s funds should arrive within 1-2 business days

Home Improvement Financing Has Evolved

The Old School Way

  • One single lender
  • Pay 8-10% of job in fees
  • Customers need 700+ score to qualify
  • Business history and revenue criteria to get started
  • Poor customer support

The Home Service Financing Way

  • 300+ lenders compete on your behalf
  • No dealer fee options available
  • Scores as low as 400 get approved
  • No contractor business verification required
  • Industry-leading support & training

ALL MEMBERSHIPS INCLUDE:

  • Approvals for credit scores as low as 400!
  • Offer 0% financing to qualified customers
  • Finance as little as $1,000 up to $100,000
  • Get paid within 1-2 business days
  • Soft Pull for homeowners to view offers
  • Marketing Materials and Sales Tools
  • Education, Training, & Specialized Support

GET STARTED TODAY.

When you enroll today, we can have you up and running within 15 minutes!

Have questions? Please refer to our FAQ below that addresses the most common questions that contractors have. You may also contact us at support@homeservicefinancing.com or give us a call at (888)-308-3557

GET STARTED TODAY.

When you enroll today, we can have you up and running within 15 minutes!

Have questions? Please refer to our FAQ below that addresses the most common questions others have. You may also contact us at support@homeservicefinancing.com or give us a call at (888)-308-3557

FREQUENTLY ASKED QUESTIONS

Home Improvement Financing


Home Office Financing

Appliance Financing

Flooring Financing

Kitchen Cabinet Financing

Furniture Financing

Sauna Financing

Driveway Paving Financing

Garage Financing

Solar Panel Financing

Pool Financing

Home Remodel Financing


Bathroom Financing

Basement Financing

Basement Waterproofing Financing

Foundation Repair Financing

Crawl Space Repair Financing

Kitchen Financing

Home Office Financing

Home
Repair
Financing

Home Repair Financing


Roof Financing

Plumbing Financing

HVAC Financing

Siding Financing

Alternative Housing Financing


ADU Financing

Duplex Financing

Manufactured Home Financing

Modular Home Financing

Post Frame Building Financing

Shipping Container Home Financing

Tiny Home Financing

More Financing
Options


Green Loans

Pole Barn Financing

Horse Barn Financing

Landscape Financing

Hot Tub Financing

Fence Financing

The annual percentage rate, or APR, depicted on the Platform by various Lenders, depend on many factors, including: the Customer’s credit score, the amount of debt they currently have, their income, the amount of financing they wish to obtain, and many other factors. Customers can see rates as low as 0% and as high as 29.99% (and sometimes higher).

The Platform works like Expedia for Contractors. The Platform offers every type of home improvement loan available in the marketplace. Lenders are competing to get the Customer the best loan possible.

The duration of the loan, or term, that is depicted on the Platform by various Lenders, also depends on many factors, just like the APRs. Customers can see terms as short as 3 years, or as long as 15 years (or higher in some cases).

Customers will have instant access to over 300 Lenders that will fund directly to the applicant. This brings great advantages:

  • Options for applicants across the credit spectrum: prime to sub-prime
  • Secured and encrypted process, all online
  • No extensive paperwork on your end
  • Fast approvals and funding: 24 to 48 hours after applicant has provided all documents/info

Funding will take place within 24 to 48 hours after full approval, either using Wire or ACH directly to the Customer.

When Customers apply through the Platform, the Platform performs a soft pull for pre-qualification purposes. The Platform does not perform any hard-pull. After Customers choose one of the financing options listed, the chosen Lender may (or may not) perform a hard pull, depending on the Lender. Home Service Financing is great as a first look option if a Customer does not want to have their credit score pulled during the initial application process.

Customers can see financing options and get approvals with a FICO score as low as 400, subject to Lenders’ criteria, Customer’s credit worthiness, and ability to repay the loan.

Customers can see financing options for both secured and unsecured loans. Most financing options are unsecured. Home Equity Investment loans can also be enabled.

Contractors have been increasingly using Direct To Consumer (D2C) financing to reap the benefits of these types of loans. Having no dealer fees, financing for service and maintenance jobs, funding for mobile homes, and approvals for borrowers starting at 400 FICO score. Contractors are pre-approved to offer their Customers with consumer direct financing immediately, with no dealer documents required.

By simply taking a small deposit from the Customer and offering Home Service Financing for Customer to finance the balance, Contractors overwhelmingly secure that Customer and that new job.

Using the Platform is FREE to use for all of your Customers. However, we do charge contractors a small monthly fee and in some cases, a small loan fee may apply.

The Platform is extremely easy to use, both for the Customer as well as for the Contractor. The Contractor can text or email their Customer a link that immediately opens a financing application. If the Customer needs assistance, they can call the customer service number on the screen and they will take the Customer’s financing application over the phone, walk them through the entire application, and assist the Customer in selecting the best financing option, all the way to completion.

Contractors do not need to understand the complexities and intricacies of financing to enjoy the benefits of growth with Consumer Direct financing. Contractors simply need to email/text their link to their Customers and that is it. Contractor’s will be notified of the status of every application submitted by their Customers through the Platform.

© Copyright 2022 HomeServiceFinancing.com. All Rights Reserved.

THE OPERATOR OF THIS WEBSITE IS NOT A LENDING PARTNER, does not make credit decisions, and does not charge Consumers any fees. Home Service Financing.com does not constitute an offer or solicitation to lend. HomeServiceFinancing.com provides a service wherein we refer you to one or more lending provider. This service is not available in all states, and the states serviced by HomeServiceFinancing.com may change from time to time and without notice. Providing your information on this website does not guarantee that we will be able to locate a lending partner to meet your needs or that you will be approved for a loan. The lending partner may perform a credit check or otherwise verify the information you provide. Not all lending providers offer loans up to the advertised amount and not all lending providers can provide you with the loan amount you requested. Loan amounts are determined by the lending partner based on individual creditworthiness. All financial terms of the loan, including annual percentage rate ("APR"), fees, charges, and repayment period will be provided to you by the lending partner and may vary by lending partner, state, and your individual creditworthiness. You are NOT required to accept the terms of the loan that a lending partner offers you. If you don't agree with or don't like the terms of the loan offered by the lending partner, do not electronically sign the loan documents.