Contractor Financing


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.

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

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 new heating, air conditioning, and ventilation.  By not offering a financing option you are missing out on sales opportunities.  And it’s not just sales –  customers that finance tend to make bigger ticket purchases and buy upgrades.  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!

My customers pay cash, so why should I offer financing?

Two reasons.  First, many customers pay with credit cards that cost you 3.5% of every sale.  Second, by offering payment plans it keeps the focus on your service instead of the price.  Your customers can always choose to pay with cash, but with financing, you can increase their buying power and improve the appeal of your company.  Our financing programs offer a lot of other benefits to the dealer plus allowing the customer to pay a small monthly payment vs. a big check.

Why do Dealers choose us?

We understand the needs of the local dealer and HVAC company.  Our job is to help you sell more. We don’t charge you anything to participate or take any fees from each loan.  You keep 100% of the sale.  That’s why dealers love us. But there is much more.  We offer programs and are creating new ones are designed to help you grow your maintenance business along with providing you other opportunities to generate additional income with our other partner programs.

How does the POWERpay Program increase sales?

It’s common fact that customers prefer payment options for major purchases.  Most choose to keep their cash and make payments.  What most dealers don’t know is that your customers tend to invest/spend more on a better system.  They will upgrade because they know they can pay it back over time.  Financing increases their buying power and allows them to make better long-term investments when it comes to their home.  POWERpay offers multiple plans to meet the consumer’s needs.  It’s much easier for the customer to focus on the affordability of a low monthly payment than a large “big ticket” purchase.

What HVAC equipment do you finance?

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.

Who is the Lender?

Our lenders vary by state but have placed over $30 Billion in loans.  So when you process a loan with us you can be sure it will get funded.

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 does POWERpay work?

It’s a pretty simple model. The consumer applies 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.

How long does it take for me to get paid?

The Dealer is paid in full after the completed installation.

How do I offer my customers 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
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 Dealer.  When it comes to payment we take all of the risk.

Who services the loans?

Our Lender Network services the loans. This allows the consumer access to a full range of other products and services from that lender.

generator finance options