Landscape Financing for Contractors

Offer home improvement loans to customers with no hidden contractor fees or credit cards.

No hidden contractor fees or credit cards
Instant approvals up to $100,000
Payment direct into your bank account via ACH
Close more bids and save you and your customers money

Win More Landscaping Contracts by Offering Instant-Approval Financing

Given the wide range of landscaping projects and costs ranging from $3,000 and upwards of $15,000 for new landscaping installations, having a partnership with a good financing source benefits not only your landscape contracting business, but your clients as well. You can win many more contracts by offering instant-approval financing with low, monthly payment structures.

Close More Sales

Eliminate paying fees to banks and finance companies

Seamless Funding

Close more sales by focusing on low monthly payments

Sell More

No more compromising on price – upsell the project your customer really wants.

Benefits of a Landscape Contractor Financing Partner

Considering the diverse climates, terrain, yard sizes, and homeowner expectations throughout the United States, a landscape contracting business needs financing that’s flexible enough to cover the wide variety of projects they complete. Other than covering the base cost of lawn maintenance and restoration, planting flower beds and bushes and renovating paths, financing makes several other popular options much more affordable for your customers.

Helping Pay for Trees

Trees are a landscaping favorite for multiple reasons. Healthy trees are beautiful, improving a yard’s appearance. They also provide shade in the summer, creating cool, refreshing lawn spaces where people can sit, children can play, and shade-tolerant and partial-shade plantings thrive. Properly placed trees also reduce wind strength for a more comfortable outdoor experience in windy regions. Quality trees can boost a home’s value from $10,000 to $15,000, and enhance curb appeal. Working with a reputable landscaper ensures healthy trees are chosen, placed in the correct sized hole, and are not over-mulched. Planting five 4′ to 6′ trees costs an average $500 to $600, while five big, 15′ to 20′ trees can cost $12,000 to $15,000. Affordable, accessible financing lets homeowners get larger trees and a shaded, high-value yard faster.

Financing Increases the Viability of Backyard Landscaping

When funds are limited, many homeowners think of landscaping the front yard to increase future curb appeal. However, most people relax in the backyard where they have more privacy. With access to financing, it becomes much easier to “sell” backyard landscaping features like a seating area, fire pit, hedges and fences for privacy, trees, and gardens to provide home owners a real improvement to quality of life in their home.

Home Improvement Services

Interior Remodeling Loans

Interior renovation and remodeling for new rooms and additions for anything inside your home.

Flooring Loans

Upgrade your floor with tile, hardwood, natural stone, porcelain, etc. includes material and installation.

Electrical Loans

From repairs to the entire home rewiring inside and outside.

Foundation Waterproofing Loans

Interior and Exterior waterproofing and foundation repairs – french drains, sump pumps and more.

Whole House Generator Loans

Loans for whole home generators from Generac, Cummins, Briggs & Stratton, Kohler and more.

Gutter Loans

Gutter replacement and gutter cover systems.

Attic Insulation Loans

Attic Insulation or wall insulation for any energy efficiency project.

Interior Remodeling & Addition Loans

Renovate or remodel rooms in your home or build an addition.

Lighting Loans

Exterior and Interior lighting including security and smart homes.

Paint & Wall Covering Loans

Interior and Exterior painting and wall coverings.

Sheds, Barns & Structures

Sheds, Barns and Structures affixed to the property.

Security & Home Automation Loans

Security and Home Automation includes audio and video, smart home, automated blinds, thermostats and more.

Sunroom & Patio Enclosure Loans

Sunrooms, Patio Enclosures, She Sheds, ADU’s and more.

Water Treatment Loans

Water filtration and water treatments.

Landscape Contractor Financing FAQ

How Much Does Landscaping Add to a Home's Value?

Depending on the home and the size of the job, a good landscaping job can add anywhere from 5% to 25% to a home’s value. Increased monetary value isn’t the sole benefit of an attractively landscaped yard, though – it also boosts curb appeal, increases sale likelihood and lessens the time before the owner gets an offer.

Readily accessible financing with loans of up to $100,000 gives you and your customers the flexibility they need to develop ideal landscaping for their home.

Can Some Kinds of Landscaping Negatively Affect Home Sales?

Not all landscaping is created equal if the only purpose is improving the real estate value of the house.

Landscaping with a high-maintenance look can actually reduce curb appeal and make a home stay on the market longer. Complicated-looking landscape features, such as plantings with multiple types of flowers, bushes, and shrubs, can turn away otherwise interested buyers who do not want the work of maintaining them – or the expense of hiring a yard care specialist. When planning a landscaping job with a client, find out their reason for landscaping. If it’s primarily for marketing the home, recommend a comfortable-looking, neat, but fairly simple layout with a few well-chosen plant types.

Regardless of how extensive an individual job is, a high quality loan that eliminates fees and credit cards and is combined with an easy application to back it, will watch out for your interests as a contractor.

Are There Any Special Considerations to Adding Water Features?

Water features like ponds, fountains, or waterfalls are part of some homeowner’s’ dream yard. Costs vary greatly, with small water features costing $5,000 to $10,000 on average, and larger or more complex ones often priced at $35,000 to $45,000 or more. If a water feature is installed, it should be for the current homeowner’s pleasure, not for selling purposes. Many (though not all) prospective home buyers avoid homes with water features for the following reasons:

  • High maintenance
  • Danger to their children or pets
  • Liability risks
  • Hassle of compliance with local ordinance
  • Mosquitoes

If your company is hired for landscaping prior to real estate listing of the home, you could recommend removal of any existing water features to make the property more salable.

Good financing from a convenient online funding partner eases the process of both installing and removing water features. Spreading the cost out to a low monthly payment puts these “dream features” within reach of many more clients than could afford a fountain or pond without a loan.

PowerPay FAQ

What’s considered a home improvement?

Any equipment, service, installation costs, or other project related to home improvement qualifies for financing. The following is a partial list of what PowerPay finances: HVAC equipment & installation, attic insulation, stone veneer, windows, siding, roofing, kitchen remodels, bathroom remodels, cabinets, carpet, deck & patio, doors, fireplaces, garage doors, smart home equipment & installation, hardwood flooring, paint & wall coverings, hardscaping, landscaping, siding & exteriors, tile, stone & countertops, air conditioning & heating, gutters, spa & pool, home additions, deck building, tile installation, basement remodeling, custom cabinets, fence installation, lighting installation, garage building, cabinet installation, backsplash installation, electrical and plumbing and appliances.

What Loan Products does PowerPay offer?

Base Program
  • No Dealer Fee Options
  • Rates start as low as 8.99%
  • staged funding available*
  • terms options are 5, 10 or 15 years (lowest monthly payment)
  • no prepayment penalties
  • no credit cards
Promotional Program
  • Up to 18 Months NO payments NO accrued interest (12-month or 18-month options)
  • Deferral Period begins at the completion of construction
  • 15 Year Product
  • NO Balloon Payment: at the end of the deferral period your customer just begins making their low monthly payment with rates as low as 8.99%
  • NO Credit Card

Why should I offer financing?

50% of all home improvement investments over $5,000 are financed. Additionally, over 30% of all homeowners research financing options before making a home improvement purchase. Offering financing enables you to close more sales and earn more money on every job. By translating a large, expensive home improvement into a low monthly payment, you’re less likely to lose sales because of pricing, and you’re less likely to see customers haggling with you over costs. Quite simply, offering financing can help you to grow your business.

Why do dealers and contractors choose PowerPay?

We were founded by a home improvement professional who knows firsthand the power of financing, as well as the damage fees can do to your bottom line and your customers’ pocketbooks. The average contractor pays 7.5% in fees on every financed home improvement project. That’s why we have no hidden contractors fees, credit cards or prepayment penalties.  There are other important benefits for dealers:

  1. Longest Terms:  PowerPay also offers the longest payment options – up to 15 years.
  2. Lowest Rate: rates start as low as 8.99%.
  3. Maximum Loan: we can offer up to $100,000 loans with staged funding for qualified contractors.
  4. Higher Approval Rates: tired of declines?  PowerPay has the highest approval rate in the industry.
  5. Fast and Direct Payments:  we wired funds fast direct to via ACH to your bank account.
  6. New Programs:  we are adding new programs to help you convert more customers, StipPay, APR Enhancement and more!

How do customers pay me and what’s my risk?

Customers don’t pay you. PowerPay will direct deposit funds into your account via ACH within 48-hours after the install. You keep 100% of the funds, and your payment is guaranteed when you complete the project. It’s simple, fast and easy. No more collection calls and chasing clients for payments.

How does PowerPay work?

By using PowerPay, you are giving your customers options to pay for home improvements with financing.  Your customer will apply online using our online application form and a decision is generated in seconds.  Once approved, you can complete the transaction with your customer from our easy-to-use portal.  Electronic documents will be sent via email and your customer can sign electronically – we are fully paperless.  Your customer won’t get any bills for a month or so after installation.  You will get paid by PowerPay in full after the installation is complete.

How do I offer PowerPay to my customers?

There are a number of ways to offer PowerPay to your customers:

First, your clients can apply at
Second, we can supply you with a link or button for you to add on your website.
Third, customers can apply by contacting our call center and using your dealer/contractor ID.
Finally, your salespeople can provide a link to apply or use a tablet with our application form during in-person visits.

Who is the lender?

While other finance companies serve as “middlemen” and take fees from you for allowing you to offer financing to your customers, PowerPay does not act as a middleman or lead generator. That’s why we are able to not charge any fees.  We have funding commitments for $15 billion.  Every borrower is approved through our systems and all loans are processed through our system. That means that we control the rate and loan term, and service every loan.

How complicated and time consuming is set up?

With PowerPay, enrollment is through a simple form that takes 2 minutes.  After that, our team will train and onboard you or your salespeople at no cost at a time that’s convenient for you.  Our process is so simple that training takes less than 30 minutes.  We can have you up and running and writing loans in one day.

Promotional Programs - the difference between PowerPay and other banks

There are several types of promotional loans. PowerPay offers two types.  Same as Cash and 12 months and 18 months no payment promotions.  First, PowerPay promotional loans are not credit cards.  They are unsecured personal installment loans.  The main difference between a credit card loan and PowerPay promotion is the interest rate once the promotion is over.  In most credit card “teaser” promotions that rate, once the promotion ends, will be in excess of 29%.  Our loans, once the promotion ends will be approximately 12.99% for 10 years with no prepayment penalties so customers can pay off whenever they like.  We don’t like the credit card promotions because the fees are excessive and we’ve seen too many people get hit with accelerated payments and massive fees.  It’s just unfair and most contractors don’t seem to care what the customer pays after they’ve completed their job.

With uncertainty in the economy and financial markets we believe that if a customer wants to use the promotion and then pay it over time, it should be at a fair and reasonable rate.  Most contractors and dealers offer “teaser” promotions as a marketing tool but at the end of the day, only consumers will above-average credit qualify.  PowerPay offers promotions for customers at many credit levels.

Our same as cash promotions essentially allow the customer to make a purchase and pay off the loan in equal monthly installments similar to how you purchase an iPhone.  These programs are offered with the lowest fees in the industry.  Ask your sales rep for more information.

PowerPay Partners