Financing & Consumer Lending Software for HVAC & Plumbing

Text-to-apply financing for home service pros, built for the field

Wisetack is a modern buy-now-pay-later financing platform for home services that HVAC contractors love for its text-to-apply flow, soft credit check, and flat 3.9% merchant fee.

EGIA's HVAC-native financing platform with 90%+ approval rates

OPTIMUS Financing is the exclusive lending platform of EGIA, purpose-built for HVAC and home-improvement contractors. It uses one soft-pull application to waterfall customers across prime, near-prime, and sub-prime lenders, delivering roughly 90% overall approval rates.

One soft-pull application, 30+ lenders, no dealer fees

Enhancify is a contractor-focused financing marketplace that matches HVAC, plumbing, and remodeling customers to 30+ lenders behind a single soft-pull application. There are no dealer fees, and contractors can actually earn commissions on funded deals.

50+ financing programs for home improvement contractors, backed by Truist

Service Finance Company (a Truist subsidiary) is a licensed sales finance company offering 50+ promotional and standard installment financing programs purpose-built for HVAC and home improvement contractors.

Contractor point-of-sale financing from Regions Bank (formerly EnerBank USA)

Regions Home Improvement Financing, the former EnerBank USA, is the home-improvement point-of-sale lending arm of Regions Bank. It offers Same-As-Cash loans, long-term installment loans, and the YES counter-offer loan for HVAC and other home-improvement contractors.

Proven HVAC financing since 1998, now integrated with ServiceTitan

Synchrony is a leading U.S. consumer finance company offering private-label credit cards and promotional HVAC financing to contractors since 1998, with deep integrations across major field service platforms.

Prime and subprime financing for HVAC contractors, with no monthly volume requirements

Foundation Finance is a Wisconsin-based home improvement lender offering both prime and subprime installment financing, making it one of the most inclusive credit options for HVAC contractors.

HVAC lease-to-own financing for the customers other lenders decline

Microf is an HVAC-specific lease-to-own and installment financing provider that helps contractors sell to homeowners who have been declined by traditional lenders. The program requires no FICO score, approves up to 75% of previously declined customers, and funds contractors in 2-3 business days with no dealer fees.

HVAC-specialized contractor financing since 1996

FTL Finance is a Missouri-based home-improvement lender that has focused on residential HVAC financing since 1996. Contractors report closing 30-50% more jobs with FTL's mix of deferred-interest, installment, and flexible-credit programs.

40-year-old dealer-channel lender for HVAC, water treatment, and home improvement

Aqua Finance is a Wisconsin-based dealer-channel home-improvement lender with nearly 40 years of experience financing HVAC, water treatment, roofing, and marine/RV equipment through contractor networks. Its dealer program is particularly strong for near-prime HVAC replacement work.

Instant point-of-sale loans up to $100K for home improvement

GreenSky is a Goldman Sachs-originated (now Sixth Street-owned) point-of-sale lending platform that enables HVAC contractors to offer unsecured home improvement loans up to $100,000 with instant decisions.

Long-term loans for HVAC, solar, heat pumps, and clean-energy home improvement

Mosaic is a clean-energy and home-improvement lender specializing in long-term installment loans for HVAC heat pumps, solar, battery storage, and roofing. Contractors offer promotional APRs starting around 0.99% on qualified-buyer tickets.