The All-in-One Platform Built to Help You Close Every Customer
Finance prime to no credit customers, all from one application
More Customers Approved
Than Any Other Financing Partner
One Application, Every Option
From 1st, 2nd, and 3rd look loans to Lease-to-Own and the Premier Program, offer them all from one application, no switching tools.
Decisions in Seconds
95% of applications return instant decisions, helping your team close more on the first visit.
Approve More Homeowners
Our tiered credit waterfall covers deep prime to subprime, giving homeowners options to choose from. Over 90% of homeowners get approved.
Revenue That Builds
Over Time
The Premier Program turns single jobs into long-term revenue, service visits, and loyalty, without more work for your team.
Finance Repairs Too
Not every job is a full replacement. Contractors can offer simple loans for service and repair jobs right inside the platform.
Training That Prepares Your Team
Sales training and coaching is built into the platform and supported by our team in the field. No extra logins. No clunky systems.
Every Customer’s Situation Is Different.
Here’s how our platform helps you meet more people where they are:
Loans
Our loan options let you finance both replacements and repairs, with fast approvals, simple terms, and deep credit coverage.
- 1st, 2nd and 3rd look options
- Fast credit decisions (95% instant)
- Transparent terms and high approval rates
- Supports system repairs or replacements
The Premier Program
Offer your customers new, energy-efficient equipment with no large upfront cost and no maintenance, repair, and consumable worries. The Premier Program is built for long-term peace of mind and provides predictable recurring revenue and customer loyalty.
- Predictable, recurring revenue
- Increase close rates and avg ticket value
- Secure customers for 10+ years
- Available for HVAC, water systems and stand-by generators
Lease-to-Own
This is your backup plan that doesn’t feel like one. For customers who don’t qualify for a loan, lease-to-own offers a second chance.
- Low to no credit options available
- Flexible end-of-term options
- Helps you save the sale
Kitchen Table Conversations Made Easy
During the on-site visit, the Comfort Advisor starts the application process for a soft credit pull.
The platform then guides them through a seamless financing flow:
The application begins with the Premier Program. If eligible, it’s shown first.
Advisors and homeowners can compare and toggle between the Premier Program and traditional loan options based on customer preference.
If Premier and loan options are both unavailable, the system automatically presents Rent-to-Own offers as a final path to approval.
All quotes are dynamically adjusted based on real-time eligibility, ensuring every homeowner sees a monthly payment that fits their credit profile and comfort goals.
Starting the application takes minutes. The platform streamlines the process by:
Auto-filling key details via driver’s license scan
Verifying income and property through integrated APIs
Returning 95% of credit decisions instantly
Once a path is selected, Comfort Advisors collect eSignatures and first payment during the visit – no paper, no extra portals.
If the Premier Program is chosen, enrollment is completed and registered for ongoing service immediately.
After installation, the contractor uploads required documents like invoices and equipment registration.
Comfort Connect uses AI and machine learning to validate everything, and once approved, triggers contractor funding (ACH sent outside the platform but tracked within it).
Contractors submit documentation for required maintenance through the Maintenance Module. The system:
Extracts and verifies eligibility details using AI
Notifies contractors of upcoming service windows
Processes maintenance reimbursements (off-platform ACH)
Homeowners get reminders and can set service preferences through their account.
Premier Program customers have access to a personalized portal where they can:
Manage billing, payment methods, and autopay
Submit questions or support requests
Live, U.S.-based support is available to both contractors and homeowners for anything they need.
Prequalification and soft credit inquiries can also be done, making understanding options simple.
Contractors can share a prequalification link on their website, via text/email, or directly from the platform.
The homeowner completes a simple form that initiates a soft credit pull, with no impact to their credit score.
The platform returns an instant prequalification result and estimated payment range, so Comfort Advisors know the available options before entering the home.
Trusted by Contractors Who Want to Grow
Whether you’re a local shop or managing multiple crews, our platform helps you stand out, close more, and keep more.
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Features
One Application. No Resubmissions.
One seamless workflow – quote, apply, sign, and collect payment in a single session
No switching tools, re-entering data, or jumping between portals
Platform logic guides each deal to the best available financing path
Monthly payments update in real time based on customer eligibility
Built-In Digital Document Flow
eSign agreements and collect first payment without leaving the platform
Auto-generates customer documentation and stores it securely
No paper. No back-and-forth. Just faster deal completion
Smart Data Capture
Scan a driver’s license to instantly prefill homeowner info
Prequalification links available to share online, by text, or in advance of a visit
Data integrations verify key details for smoother approvals
Flexible Approval Coverage
Supports customers across the credit spectrum, from strong credit to no score
One application powers multiple financing options
~95% of decisions return instantly, keeping the conversation moving
Approvals for 90%+ of homeowners mean fewer lost sales
Value Add for Everyone
Across Your Business
Contractor Owners / CEOs
Increase close rates and average ticket values
Create recurring revenue streams via the Premier Program
Increase business valuation
Create customer loyalty and differentiation in market
Sales & General Managers
Empower reps with one platform for all financing
Increase close rates and ticket add-ons
Service more customers from prime credit to no credit
Standardize how deals are quoted and closed
Comfort Advisors
Finance replacements and upgrades, all in one tool
Quote and close in one flow
Increase close rate
Boost average ticket with IAQ and service add-ons
Private Equity Investors
Improve revenue predictability and EBITDA
Add recurring revenue to HVAC businesses
Grow enterprise value
Improve customer lifetime value
FAQs
Platform Basics
It’s a contractor-first, point-of-sale platform that helps your team quote, apply, and close deals using traditional loans, Lease-to-Own, and the Premier Program — all from one place.
No. Comfort Connect is a web-based platform, accessible from any tablet, phone, or computer with internet access.
The platform supports traditional installment loans, Lease-to-Own options, and Comfort Connect’s exclusive Premier Program.
Comfort Connect is the only platform that gives you access to the Premier Program®, turning one-time jobs into long-term customer relationships. Our platform also helps you approve more customers with built-in 1st–3rd look loans and lease-to-own options. Unlike other tools, we don’t deliver frustrating partial approvals—customers with mid-600 credit scores and above either get the amount they requested (up to [insert amount]) or a clear answer.
Beyond financing, Comfort Connect supports your team with on-site and digital sales training through our LMS, and even lets you finance repairs—not just replacements. It’s a complete solution built to help contractors close more, faster.
Yes. You can use our loan tools for service and repair jobs, not just full system replacements, making it easier to offer flexible payment options every time you’re in the home.
Using the Platform
Your Comfort Advisor completes a single application. The system returns 95% of decisions instantly and presents the best options for the homeowner—all in real time.
Yes. The platform will automatically pivot to traditional loan or RTO options if Premier isn’t a fit, using the same application flow.
Yes. You can generate and send a soft credit prequal link to customers to check eligibility with no credit impact.
Yes. The platform supports quote editing and application adjustment—even after initial approval—within guardrails set for compliance.
Yes. Comfort Advisors can quote, apply, get approved, eSign, and collect the first payment—all without leaving the platform.
Performance & Benefits
Over 90% of homeowners receive at least one financing option thanks to our tiered structure.
95% of applications receive instant decisions—typically in under 10 seconds.
Faster approvals, a simplified pitch, and fewer handoffs reduce friction—leading to more completed sales, better customer experience, and stronger rep confidence.
Yes. Our Learning Management System (LMS) is built into the platform, plus our team offers hands-on training, ride-alongs, and ongoing support.
Homeowner Experience
Homeowners see a clear, simple application with their financing options. Once enrolled, they can manage payments and preferences through their personal online portal.
Yes. Homeowners can log in to update billing details, enable autopay, change notification settings, and more.
Servicing & Maintenance
Contractors upload service documentation to the platform. Our AI extracts and verifies the data, then initiates reimbursement processing (ACH occurs off-platform).
The system includes a dunning and collections module. If a Premier customer is 60+ days past due, the platform automatically flags their account and pauses service reimbursement.
Security & Support
Yes. All data is encrypted in transit and at rest. The platform uses role-based access control (RBAC) to limit access only to authorized users.
You’ll have access to live, U.S.-based support, a dedicated Account Manager, field coaching, marketing and onboarding resources.
Setup & Integration
Most contractors are live within a few days. We handle setup, training, and provide marketing materials to help your team hit the ground running.
Yes. Admin users can configure financing paths, pricing, and product access per contractor or branch.
Let’s close more sales and supercharge your business.
Start quoting, closing, and delivering better customer experiences from day one.
No pressure. Just a quick chat to see how it fits.
