Microf
by Microf LLC
Last updated Mar 29, 2026 · 1 revision
Lease-to-own HVAC financing for credit-challenged homeowners, with no dealer fees and SpectrumAC multi-tier approvals.
Highlights
Capabilities
Media
About This Product
Microf provides lease-purchase agreements that let homeowners own a new HVAC system after up to 84 monthly payments. Their SpectrumAC platform combines financing and lease-purchase options across all credit tiers (700+, 630, 560+), achieving approvals where traditional lenders decline. No dealer fees and 2-3 day contractor funding.
Capabilities
How this product is delivered and what's included out of the box.
- Mobile app
- Available
- Free trial
- No
- Free tier
- No
- Public API
- No
- Deployment
- Cloud
FSH Score Breakdown
Customer Reviews
Features
Invoicing & Payments10features
Show 2 more
Mobile & Field Tools3features
Customer Communication2features
CRM & Sales2features
Reporting & Analytics1feature
Technician Management1feature
Equipment & Asset Management1feature
Platform & Customization1feature
Training & Education1feature
Integrations 7 across 3 categories
Payment Processing 5
GreenSky
Wells Fargo
Accounting 1
Foundation
Data & Automation 1
Pricing
- Model
- Custom
- Starting at
- Contact for pricing
- Notes
- No SaaS subscription — Microf is a lease-to-own financing provider for HVAC/water heaters. Contractors pay nothing upfront; Microf funds the deal and pays the contractor within 24-48 hours. Consumer lease terms: 36, 48, or 60 months to ownership, early payoff discounts available. No credit score minimum (options for 700+, 630+, and 560+). Not available in AK, HI, MN, NJ, VT, WI, WY. Founded 2010. SpectrumAC platform for multi-tier approvals.
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