Customer Financing

Acorn Finance

Acorn Finance (Headway Sales Inc.)

6.2 - Good

Free multi-lender financing marketplace for contractors — 18 lenders, FICO 550+, loans up to $250K, zero dealer fees.

Ally Lending for Contractors

Ally Financial

4.3 - Fair

Financing that helps close the deal

FTL Finance

FTL Finance

4.0 - Fair

More approvals, more closed deals

Financeit

Financeit Inc.

6.1 - Good

Canada's leading point-of-sale financing for HVAC and home improvement, trusted by 600,000+ homeowners.

Finturf

Finturf Inc.

5.7 - Good

Multi-lender waterfall POS financing for HVAC contractors — one application, multiple lenders, higher approval rates.

Hearth

Hearth

6.2 - Good

Zero dealer fee consumer financing and digital payment tools

Microf

Microf LLC

5.7 - Good

Lease-to-own HVAC financing for credit-challenged homeowners, with no dealer fees and SpectrumAC multi-tier approvals.

Optimus Financing

Optimus Financing

3.5 - Fair

HVAC financing that works for contractors and homeowners

PowerPay

PowerPay

5.7 - Good

Instant home improvement loans with no contractor fees

Regions Home Improvement Financing

Regions Bank (formerly EnerBank USA)

5.5 - Good

Zero-interest and installment home improvement loans backed by Regions Bank, with decades of HVAC contractor experience.

Service Finance Company

Service Finance Company, LLC

6.3 - Good

Home improvement contractor financing with 50+ loan products including 0% deferred interest plans for HVAC

Sunlight Financial

Sunlight Financial Holdings Inc.

5.7 - Good

Point-of-sale HVAC and solar financing with the Orange platform, zero dealer fee options, and $10B+ funded.

Synchrony Home Improvement

Synchrony Financial

6.5 - Good

Consumer financing from the HVAC industry's largest lender, serving 48,000+ contractor partners since 1998.

Wisetack

Wisetack

4.9 - Fair

Financing that closes jobs