Contractor Financing


A Better Way to Sell Home Improvements

There’s a better way to sell home improvements to your customers and we have it.  POWERpay is a commerce platform built to help contractors sell more equipment, installation, and services. There are NO FEES on any loans and NO COST to participate. Now you can offer your customers payment options with POWERpay.

The Impact of Financing

Most contractors don’t realize the impact of offering a finance program. A good finance program has multiple benefits. First, many customers won’t even consider a significant home improvement project without financing. Customers that are used to purchasing with financing only look for contractors that offer it. Second, it’s a known fact that when customers know what their monthly payment is, they tend to invest/spend more on their project.  So it’s much easier to up sell or upgrade the system they were originally considering which translates into bigger ticket items and add-ons. With our loan programs, you can bundle in service and maintenance plans.  This allows you to collect and lock in longer-term deals with your customers. With all these benefits and no downside – let’s get started!

Close More Sales

Same as Cash
100% Funding on Installation
0 Points to Dealer

Seamless Funding

Immediate funding upon install
No paperwork
We handle everything

Sell More

Equipment and Install
Smart Home products
Maintenance and Repairs

Frequently Asked Questions

What Home Improvements qualify for financing?

This is a partial list of what you can finance with POWERpay:  HVAC installation, Kitchen remodels, Cabinets & Cabinetry, Carpet, Deck & Patio, Doors, Fireplaces, Garage Doors, Hardwood Flooring, Paint & Wall Coverings, Siding & Exteriors, Tile, Stone & Countertops, Windows, Air Conditioning & Heating, Roofing & Gutters, Spa & Pool, Bathroom Remodeling, Home Remodeling, Home Additions, Deck Building, Flooring Installation, Interior Painting, Tile Installation, Basement Remodeling, Custom Cabinets, Fence Installation, Lighting Installation, Garage Building, Cabinet Installation, Backsplash Installation, Appliance Installation, etc.

Why should I offer financing?

It’s a fact that 50% of all home improvement investments over $5,000 are financed.  Additionally, over 30% of all buyers research financing options before making a purchase like a generator.  By not offering a financing option you are missing out on sales opportunities.  Customers that need financing aren’t contacting you.  You are also missing out on customers that may make a larger purchase if financing was available.  Offering financing will help your business grow and it’s why Home Depot, Lowe’s,  IKEA and every major retailer offers it.  Now you can too!

Why do Dealers / Contractors choose Us?

We are former dealers who understand the needs of the local contractor / dealer.  We also charge ZERO fees.  We offer the longest payment options, up to 15 years.  Our rates start at 8.99% and $100K max loans, with staged funding for qualified contractors.  We have $15 Billion to lend.  Our goal is to help you sell more. We don’t charge you anything to participate.  You keep 100% of the sale.  We have other programs that will help you grow your maintenance business along with providing you other opportunities to generate additional income with our other partner programs.

How does POWERpay work?

It’s a pretty simple model. Consumers apply online and a decision is automatically generated within minutes.  We offer payment options to the consumer who would prefer or cannot afford to pay cash for the entire installation.  We offer competitive and reasonable financing to help the buyer make affordable monthly payments rather than one big purchase.  Every customer that uses POWERpay will receive a FREE 1 Year HDR (Home Deductible Reimbursement) Insurance Plan, access to FREE 10 Year warranties, & discounted remote monitoring.

How do my customers pay me?

POWERpay will directly deposit funds into the dealer’s account via ACH on the day of install.  It’s simple, easy and instant!

How long does it take for me to get paid?

The Contract / Dealer is paid in full after the completed installation.

How does POWERpay increase sales?

Customers prefer payment options for major purchases to increase their buying power and fit their budget. POWERpay offers the lowest payment options, the longest payment period, and no prepayment penalty.  When you focus on low and affordable payments your customers will purchase more and better equipment.  We’ve found on average, a POWERpay customer increases sales by 40% when offering financing because you can close more deals with more buyers.  There are more buyers that qualify for loans than cash only buyers, so it only makes sense to offer financing.

Are materials, equipment & installation financed?

Yes.  We provide financing for any home improvement project including materials, equipment and installaion.  For example. POWERpay will finance any HVAC system.  The most popular include: Amana, American Standard, Armstrong, Bryant, Carrier, Coleman, Concord, Goodman, Heil, Lennox, Lux, Payne, Ruud, Rheem, Tempstar, Trane, York and many more. We will finance the equipment, installation and maintenance programs.  Our HVAC loans are long-term low rate fixed loans to allow your customers to invest in HVAC systems that they can afford while making the right investment decision for their home.  Our loans will cover the equipment, materials and installation by your contractor.

Who is the Lender?

Our lenders vary by state but have placed over $50 Billion in loans.  So when you process a loan with us you can be sure it will get funded.

How do I offer the POWERpay Program?

This can be done in a few ways.

First, your clients can apply at
The second option is that 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 with your Dealer/Contractor ID.
Finally, your salespeople can provide a link or tablet during in-person visits.

What if a customer is declined?

We politely let the customer know that, unfortunately, financing options using POWERpay won’t be available to them. We encourage them to choose an alternative payment option and we are working on secondary options for the customer that qualify. We minimize the friction between being declined and converting to another payment method.

Who takes the risk?

There is no risk to the Contractor/Dealer.  When it comes to payment we take all of the risk.  Once your customer’s loan is approved, it’s guaranteed.

Who services the loans?

We service every loan. Our platform has serviced billions in loans.

generator finance options