What if almost every homeowner you sat down with had a path to pay, whether for a replacement or repair? That’s now what contractors have access to through our all-in-one waterfall financing platform.
You don’t need another lender. You need our point-of-sale financing platform that works for a wide range of customer buying preferences and credit profiles. With one simple application, you get access to loans, lease-to-own, repair financing, and our all-inclusive Home Comfort-as-a-Service offering, the Premier Program®. We’re built to serve a broad range of credit profiles, so whether your customer has excellent credit, challenges in their history, or no credit at all, you’ll have options to get them approved.
Whether you’re selling HVAC, plumbing, or standby generators, our platform helps you close more sales, grow your average tickets, reduce dealer fees, and even build recurring revenue – all through one financing solution. (And with our platform, there are not upfront costs for you to get started!)
Why this matters for your business
As a contractor, you may be used to juggling multiple financing applications, hoping one lender will approve the homeowner. But even then, approvals can be limited or come back with partial amounts that still leave customers stuck. Our platform changes that dynamic:
- One application, many options. A single application provides access to multiple financing options – including 1st, 2nd, and 3rd look loans, last-look lease-to-own, and our industry-leading Home Comfort-as-a-Service solution – the Premier Program®.
- Instant decisions. About 95% of applications are decisioned instantly, keeping your transactions moving forward quickly.
- Approvals when others say no. With approximately 90% approval rates, you won’t lose jobs because financing fell through – even as other financiers reduce their approvals.
- Repair loans made easy. From sudden HVAC breakdowns to plumbing emergencies, our platform gives homeowners a way to pay for repairs right away, so you can close more sales.
- Certainty and simplicity. No counteroffers or partial approvals on loans up to $25k (1st look) and $15k (2nd look). That means approvals allow you to close the sale instead of scrambling for another lender.
Loans: Straightforward financing for qualified buyers
Traditional installment loans are still one of the most familiar ways homeowners pay for larger home service projects. When the homeowner qualifies, loans give them a predictable monthly payment and a clear payoff timeline.
Our platform connects you to multiple loan options through one application, giving you access to:
- 1st-look prime loans with strong approval rates
- 2nd-look options for customers just outside prime credit
- 3rd-look solutions for customers who need a more flexible review
- Plus repair financing is available
Because everything runs through a single application, your team doesn’t need to bounce between lenders or re-enter the same information. Approvals come back quickly, often instantly, and you get the full amount upfront so you can book the install without delay.
Loans work especially well for:
- Homeowners with established credit
- System replacements or larger plumbing projects
- Customers who want a fixed payment and clear payoff timeline
- Repair jobs
- Homeowners who want to manage their own maintenance and pay for repairs out of pocket as they come up
If you’ve ever lost a job because a lender only approved part of the amount, or came back with terms the customer couldn’t accept, the simplicity of full approvals with no counteroffers makes a noticeable difference in your close rate.
The Premier Program®: All-Inclusive Home Comfort
Beyond approvals, our exclusive Home-Comfort-as-a-Service offering, the Premier Program, is a growth catalyst for contractors. It gives homeowners a worry-free way to upgrade their HVAC, plumbing, or back-up power systems with included new system, installation, maintenance, consumables, and covered repairs, all for a low monthly payment.
For you, it means higher close rates, larger tickets, sticky long-term customer relationships, and valuable recurring revenue.
Contractors using the Premier Program report:
- Higher close rates (~5–10%)
- Higher average tickets (~10–20%)
- Near-perfect retention (~95%+)
Lease-to-Own: A flexible path for customers who need another option
Not every homeowner has the credit profile for a traditional loan. Lease-to-own gives you a reliable alternative that still gets the job approved and completed. It’s designed for customers who:
- Have limited or no credit history
- Have had challenges in the past
- Need a weekly or monthly payment to move forward
With lease-to-own, homeowners can get the work done right away while making scheduled payments that lead toward ownership. The process is simple, the approvals are fast, and the requirements are often more flexible than a loan, making this a dependable “yes” when other programs say no.
For contractors, lease-to-own is valuable because:
- Payments are predictable for the homeowner
- Approvals cover customers outside traditional lending ranges
- You’re paid upfront
- There are no dealer fees
- The administrative steps are minimal
Built for contractors, supported by people
We know that technology only works if it actually makes life easier. That’s why our platform is built to keep things simple in the home at the point of sale. If you have a question, need support, or want help on a tough application, you won’t get lost in a call center – you’ll be able to connect directly with someone on our team who is ready to help.
Tonia Eidson, Regional Account Manager at Comfort Connect, describes this as a recurring pain point for several contractors who come to us.
“There is no other lender that answers their direct line at all hours of the day to help a contractor with an application. By doing that right from the start of the relationship, we are setting them up for success. They become pros at navigating our portal. Every contractor I speak with tells me they are given a 1-800 number for support with other lenders, and they wind up getting stuck on the call for what feels like forever. We have plenty of testimonials that rave about our support, and it’s one aspect of our business that I’m incredibly proud of.”
One of those testimonials comes from C. Carlin Plumbing, LLC. When asked about their experience with us, the internal sales and admin team said there is “no comparison. You don’t even work with [other lenders directly]. If I take something to your account managers, I get feedback within minutes. They’re super easy to get ahold of 24/7. They might not appreciate that, but they handle things at 7 a.m. on a Saturday morning or 8 p.m. on a Sunday night. It doesn’t matter. I have multiple people on-call and ready to answer future questions.”
There is “no comparison. You don’t even work with [other lenders directly]. If I take something to your account managers, I get feedback within minutes. They’re super easy to get ahold of 24/7. They might not appreciate that, but they handle things at 7 a.m. on a Saturday morning or 8 p.m. on a Sunday night. It doesn’t matter. I have multiple people on-call and ready to answer future questions.”
C. Carlin Plumbing, LLC
Ready to see what’s possible?
This platform isn’t just about adding another financing option to your toolbox – it’s about giving your business a new way to grow, close more jobs, and serve more homeowners with less friction. That way, your team can focus on what they do best: providing home comfort and top-notch service.
