Choose the right lending platform.
For you, and for your customers.

More money for you. More money for your customers.

Eliminate the choice of paying fees or charging your customers more.

PowerPay is a digital lending platform that is built to save you and your customers money. We’ve eliminated contractors fees, done away with coverage charges and penalties, and cut out middlemen with the goal of delivering the lowest monthly payment in the least amount of time. That means less time spent haggling with customers to make projects affordable, and more time spent building your business.

How PowerPay Works

Simply have your customer fill out our online application form. They’ll know instantly whether they qualify for a loan, and will be shown the monthly cost of the project. They can complete the process whenever it’s ready.

What Happens Next

Funds are deposited instantly into your account via ACH. No more chasing customers down for that next payment—which means no more worrying about cash flow.

Why PowerPay?

PowerPay is an independent company that has eliminated contractor fees, done away with coverage charges and penalties, and cut out middlemen. The result is the lowest monthly payment for your customers.

Win More.

Close more sales by focusing on low monthly payments

Keep More.

Eliminate paying fees to banks and finance companies.

Earn More.

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

Common Business Questions

What's considered a home improvement ?

Any equipment, service, installation costs, etc. related to home improvement qualifies for financing. This is a partial list of what PowerPay finances:  HVAC equipment & installation, Attic Insulation, Stone Veneer, Windows, Siding, Roofing, Kitchen remodels, Bathroom Remodel, 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, Plumbing, Appliances, 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 home improvement purchase.  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.

How do my 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. When you complete the project your payment is guaranteed.  It’s simple, easy and fast.  No more collection calls and chasing clients for payements.

How does PowerPay work?

It’s a pretty simple model. By using PowerPay, you are giving your customers options to pay for home improvments.  In order to get financing, your customer will apply online 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 – no paper!  Your customer won’t get any bills for a month or so after installation.  You will get paid by us after the installation is complete.

Who is the Lender?

Other finance companies serve as”middlemen” and take fees from you for allowing you to offer financing to your customers.  We are not a middleman.  We are not a lead generator.  That’s why we don’t charge fees.  We have funding committments for $15 Billion.  Every borrower is approved and all loans are processed through our system.  We control the rate, loan term, and service every loan.

How complicated & time consuming is set up?

With PowerPay, the enrollment is a simple form that takes 2 minutes.  After that, our team with train and onboard you or team at no cost and at a time convient for you.  That means evening, weekends, whatever works best for you.  Not only that, we’ve simplified the process so that training takes less than 30 mintues.  We can have you writing loans in 1 day.

Why we don't offer No-No Loans

A No-No loan is also known as a deferred interest credit card loan.  We don’t offer teaser loans for a few reasons.  Studies show that most customers that qualify for these loans can afford to pay cash for the home improvement.  So by offering these loans you are paying on average 10% in bank fees, and either eating the cost of the loan or passing it on to your customer.  This does not make a lot of sense.  The main reason to offer financing is to help the customers that cannot afford to pay cash for a home improvement to help you grow your business.  Deferred Interest credit card promotions don’t really help the customers that need it because the payments are much higher and if they are late or miss a payment the customer is hit with heavy penalties and an acceleration of the interest payments.  It’s a credit card and rates can be as high as 30%.

We don’t believe in these loans.  We offer a fair, low-interest rate with 5, 10, and 15-year options so your customer can get the lowest payment possible so they can afford the best home improvement you  can offer.  A fair deal, with no fees ensures everyone is happy.

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..