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Regions Home Improvement Financing

by Regions Bank (formerly EnerBank USA)

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

6.0 Good See breakdown →

Highlights

36 Features1 Integration

Capabilities

Quote Only Free TierMobile App
Buy from Regions Bank (formerly EnerBank USA) Visit website

Media

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About This Product

Formerly EnerBank USA, Regions Home Improvement Financing provides specialized loan products including zero-interest options for HVAC contractors. Homeowners apply via mobile app, phone, or online with fast paperless approvals. Requires 5+ years in business and $500K+ annual residential sales to enroll.

Capabilities

How this product is delivered and what's included out of the box.

Mobile app
Available
Free trial
No
Free tier
Yes
Public API
No
Deployment
Cloud

FSH Score Breakdown

Ease of Use
6.5
Features
6.5
Support
6.0
Value
6.5
Integrations
7.0
AI Capabilities
1.5

Features

36 features confirmed across 9categories· Showing confirmed capabilities only

Invoicing & Payments13features

Payment ProcessingDirect deposit fundingConsumer FinancingPreQualifyFinancing CalculatorPayment estimator calculatorInstallment LoansTraditional installment loansInstant ApprovalsQuick credit decisionsInstant Decision Application ProcessEasy application processLow Monthly Payment Display on EstimatesLow monthly payment optionsNext Day Direct DepositDirect deposit funding within 24 hours
Show 5 more
Pre-Qualification Without Credit Score ImpactPreQualify feature with no credit impactOnline Account Management for Payments and StatementsPrequalification LinkFlexible Payment Scheduling Without Extra FeesLow monthly payment plansRecurring InvoicingRecurring payment scheduling at no charge

CRM & Sales8features

CRMDedicated Relationship ManagerLead ManagementPreQualify featureDedicated Success ManagerDedicated Relationship ManagerMarketing and Advertising Materials AccessMarketing support resourcesMarketing ToolsMarketing supportPartner Referral ProgramContractor referral programCo-Branded Printable Marketing MaterialsPartner Portal

Platform & Customization6features

Custom BrandingPrivate label program creationMulti-LocationNationwide lending in all 50 statesCustom TemplatesCustom Loan TemplatesThird-Party IntegrationWebsite integration (banners/buttons)Document ManagementDocument upload for verificationRole-Based Access ControlPhone or text authorization

Training & Education3features

Contractor Training and Support IncludedTraining supportIndividual Training PathsCustomized role-specific trainingOnline ApplicationEasy application process

Mobile & Field Tools2features

Digital FormsPaperless application processTechnician Mobile AppMobile Loan App

Customer Communication1feature

Client PortalPartnerPortal

Reporting & Analytics1feature

ReportingReporting

Technician Management1feature

Training CoursesCustomized training

Compliance & Safety1feature

Online Collection of Applications and Licensing FeesPaperless loan application methods

Integrations 1 across 1 category

Communication 1
Leap

Leap

Pricing

Model
Quote Only
Starting at
Contact for pricing
Notes
No fixed or required costs; dealer fees apply to popular loan products; no merchant processing or program membership fees; pay only for what you use.

Related Products 3 across 1 category

Alternatives & Competitors

Wisetack Evidence-backed Good
Wisetack Good match
Why these are related — sources 2
  • contractorguidepro.com

    “EnerBank/Regions and Wisetack co-listed as contractor-financing alternatives in the same comparison roundup.”

  • build-folio.com

    “Top EnerBank alternatives: Service Finance (similar focus, competitive rates), Wisetack (easier setup), BuildFolio (modern integrations).”

Hearth Evidence-backed Good
Hearth Good match
Why these are related — sources 2
  • worksmartdigest.com

    “Hearth offers quick setup, broad credit coverage, no per-job fees; EnerBank's limitations are slower setup, less digital integration, stricter credit requirements. Hearth embeds financing in quotes/invoices/proposals while EnerBank operates as a direct lender.”

  • build-folio.com

    “If a customer doesn’t qualify on EnerBank, try Wisetack or Hearth.”

GreenSky Evidence-backed Fair
GreenSky Good match
Why these are related — sources 2
  • contractorguidepro.com

    “EnerBank/Regions Home Improvement Financing listed as GreenSky alternative #3 in the contractor-financing roundup.”

  • build-folio.com

    “GreenSky is one of the largest contractor financing platforms with features similar to EnerBank.”