Best-in-Class Customer Financing for Contractors

Are you ready to get paid on your schedule instead of the bank’s? 
Here at HFS, we don’t only exist to help homeowners find financing to bring their dreams to life. Our mission is also to help contractors get paid easier, reach more customers by offering financing, and build their businesses. 

How does it work?

We team up with contractors, home improvement experts, pool builders, home renovators, remodeling contractors, and more. “Offering contractor financing” sounds complicated, but it’s dead easy. You don’t have paperwork to fill out or a complicated process to walk through — we handle all of that part!  

When you send your customers to HFS Financial for financing, you can be sure they’re in safe hands.

We offer:

  • No Stage Funding
  • No Equity / No Appraisal
  • No Money Down
  • Direct-to-Consumer Funded
  • Terms Up To 20 Years
  • Personal Loans


That’s right — no stage funding. After working with contractors for so long, we know what a game-changer that is. The whole project funds direct to the customer, up-front. 

Benefits of working with HFS

For Contractors
For Customers

What other contractors are saying

What Are the Benefits of Offering Financing to Every Customer?

Offering contractor financing is the foundation of your successful business. As an HFS Financial contractor partner, you have a wealth of benefits available to connect you with customers, to build your business, and to provide training and sales techniques to help you and your staff seal the deal. And all of this comes at no cost to you!

So, what are the benefits of offering financing to each and every customer? Here are just a few things you can expect.

By offering contractor financing with HFS Financial, you can increase your visibility, close sales, and get paid faster. Customers love having options when it comes to how they pay for products or services — and HFS Financial makes it easy for your business to become a frontrunner in your area. When it comes down to choosing a contractor who offers financing and one who does not, customers love the ease and convenience knowing that everything for their project can be taken care of in one place.

Offering financing helps you reach an array of customers. It’s estimated that about 75% of customers need a loan to achieve their home improvement dreams. And when three out of four of your potential customers are searching for financing, you want to be the solution they are looking for. HFS not only allows you to offer industry-leading financing options, but we also supply you with all of the information you need to show your customers just how amazing and easy contractor financing can be for their project.

When it comes to high-dollar home improvements, new pools, or even simple renovations, it’s important to remove barriers that cause your customers to back off on pursuing the project of their dreams.

With financing from HFS Financial, you’ll have a way to show them just how little a monthly payment can be for their project. From your showroom, customers can use our Check My Rate for real-time lowest payment amounts on demand! With your handy web widget from HFS Financial, you’ll be the one-stop shop for your customers. Help them secure financing, build a great rapport with your clients, and close those sales to boost your business.

Tired of the approval process and waiting on the bank to release a trickle of funds while you front all of the money for your customers’ projects? It’s time to eliminate the risk of holding the bag! No stage funding means your customers get the full amount of the loan when it’s approved — which makes it easier for them to pay subcontractors, suppliers, staff and YOU.

You don’t have to worry about whether or not a customer will be eligible or if the bank will approve their loan. Your customers will know upfront how much they are approved for, the scope of the project they can afford, and the way the funds will be received. Then they can pay you directly with no delay.

Financing with HFS Financial is easy and convenient for customers, which means your customers will come back to you time and again. It’s a great way to build customer loyalty. And happy customers mean great references, more sales and more success for your business.

With HFS Financial, there’s no extra paperwork for your business. We handle all of the heavy lifting, so you don’t have to worry about any part of financing for your customers beyond chatting about how they can fund their project. You can easily incorporate contractor financing into your sales process without any hassle or additional work on your end.

When you offer financing through HFS Financial, it comes complete with one incredible perk — it’s completely free to you! You won’t spend a dime on your partnership, and you’ll have the leading advisors and support staff in the home improvement lending industry on your side whenever you need us.

These are just a few of the many benefits of offering contractor financing with HFS Financial. We’re here to help you grow your business and build relationships that last. With our easy-to-use tools and support, you can increase your sales, reach more customers, and show off all of your incredible projects to the world.

What Are the Benefits for My Customers?

When customers have trouble finding financing, it’s easy for them to give up on pursuing a home improvement project. Applying for online loans, sitting in meetings with bank loan officers, making time for phone calls, and filling out endless paperwork can be a burden, not to mention a damage to their credit for applying. Many customers opt to wait before taking the plunge.

However, with HFS Financial, that worry is gone as soon as they visit your website or meet with you in person. Our simple and easy-to-use Check My Rate quickly allows them to get an idea about what their terms will be and estimate their payment. Here are some of the other reasons homeowners like working with HFS.

Gone are the days of bank approvals and outrageous credit card interest rates. With HFS Financial, your clients don’t have to jump through hoops to find their loan and can get started on their project more quickly.

With the HFS Check My Rate tool, customers can find out how much they qualify for quickly and easily. No more waiting on a bank to approve them or sending in paperwork to apply. In just 60 seconds, they can start the process of finding out how much they qualify for. Plus, as an HFS Contractor, that process starts from your website, which is convenient and puts your client at ease.

When a customer is curious about how much they can qualify for, there’s no reason for them to take a hit to their credit. With HFS Financial, they can start the financing conversation without worry about how checking on financing will impact their credit score.

When you refer your clients to HFS, they won’t have to worry about coming up with a down payment or any other funds. With HFS Financial, they can get up to 120% of the loan amount, so they’re covered even for those unexpected things that pop up in many projects. The approval and funding process is quick and simple, so they’ll have the funds to get started on their project quickly.

When a customer sees just how little their monthly payment could potentially be, many customers choose to increase the scope of their project.

When you provide contractor financing options, customers can be confident that their financing process is easy and straightforward. Every customer can rest assured that when they choose your contractor financing, they are getting a reliable and secure solution from a trusted partner.

With HFS Financial’s experience and unmatched customer service, your customers don’t have to worry about a complicated application process or wait for weeks for a response from the bank. Customers can feel secure in knowing they will have exceptional customer care, get approved quickly, and have no unexpected surprises down the road.

Get your customers funded in as little as 48 business hours. That’s lightning fast compared to traditional bank loans. Once approved and the loan is closed, they can usually expect their funds within the week and the project can begin on your schedule.

With a selection of industry-leading loan terms available, customers can find financing plans that fit their budgets perfectly. Flexible payment options and low fixed rates can support an array of home improvement projects, and customers can choose the best option for them.

Financing through HFS Financial provides customers with the flexibility to make changes or additions with their contractor during their project. With funding for up to 120% of their project, they will have the money in hand that they need to make their vision a beautiful reality. They don’t have to worry about waiting for approval before making adjustments in order to complete their dream.

With a personal, no stage funding loan, project delays are a thing of the past. Customers can get the money for their project quickly and pay their bills directly — allowing them to enjoy their new home improvement project as fast as you can complete it.

By discussing contractor financing options with each and every client, you can give your customers the peace of mind and confidence they need to hire you and get their amazing project started.

How Do I Talk to My Clients About Home Improvement Financing?

When you want to make the most of your financing partnership, it’s important to talk to every client about home improvement financing. But just how do you go about doing that? Here are a few of the top questions your clients may raise.

You can direct interested customers right to the HFS Financial widget on your website to start their financing inquiry. Whether you send them a link or walk them through the process in your own office, they will quickly see just how convenient and hassle-free contractor financing can be. Once they enter their preliminary information, one of our amazing customer care team members will be in contact with them quickly to let them know their loan options for their project.

Simply put, you provide the financing service through your partnership with HFS Financial, and we connect your customers with the right loan for their needs. We handle all of the paperwork and process each application quickly and securely. Customers can get approved funds fast, so they can start their project on time. Plus, they will have the industry-leading customer support team from HFS Financial on their side whenever they need us.

HFS Financial offers low fixed rates and flexible payment options with terms up to 20 years. That means that customers can find the right loan for their needs and budget. Rates vary depending on project size and other factors, so be sure to discuss your customer’s specific needs with them before they start their finance inquiry.

Customers have several advantages when it comes to home improvement financing, including fast funding, flexible payments, and the ability to make changes or additions during their project without worrying about bank approval. Plus, they will enjoy competitive interest rates and fixed payments that fit within their budget.

Financing also allows customers to dream bigger. They can afford larger projects, higher quality materials, and don’t have to wait on building their project in phases. They can apply for a loan for up to 120% of their full home improvement vision and pay for it over time with convenient options.

Feel free to explain how their credit score won’t be affected by inquiring about financing. Make sure they know that with HFS Financial there’s no need to worry about checking on financing. An inquiry is not an application. Only after checking their rates and starting the discussion with HFS Financial will they apply for the right loan for their needs.

There’s almost no limit to what customers can finance through contractor financing for their residence. From small renovations and repairs like a new roof or windows to larger projects like remodeling bathrooms and kitchens or building a sensational new swimming pool — whatever financing the customer needs for their project is within reach.

Absolutely not! Personal loan financing through HFS Financial is not like a secured loan through a bank. There are no hoops to jump through, no home equity needed, no down payment, and no need to pay for a home appraisal.

With direct-to-consumer financing through HFS, customers have complete control of their money. The lender can securely transfer the loan funds right to their bank account so they can start their project as soon as possible.

No problem! HFS Financials’ amazing customer care team is always available to answer any questions your customers may have. With many decades of experience in the home improvement financing space, we know just about all there is to know about all of your customers’ financing questions.

With HFS Financial, there are no hidden costs. Everything is detailed for your customer upfront. Explain the benefit of having no surprises when it comes time to pay off the loan. All customers have to do is make their payments as scheduled and enjoy their new home improvement.

No. HFS Financial doesn’t have any prepayment penalties on the loans we pair your clients with, making it easy for customers to pay off their loan early and save money in the long run. Plus, there are no hidden fees like origination or closing costs, which can come as a surprise with some other lenders.

By discussing these topics with your clients, you can ensure that they understand all aspects of contractor financing. And by training your staff to talk about financing when speaking to potential customers and clients, you can have a continual source of funding coming through to support your business.

How Do I Set Up the HFS Widget on My Website?

Integrating the HFS widget onto your website is easy. We have everything ready to go for you, and all you need to do is follow these simple steps.

Our Contractor Resource Center has your widget ready for download. This quick and convenient button will take customers to your personalized HFS Financial page.

To set up your HFS widget, you first need to download it directly from our website. This downloaded widget can then be used on your website; however, you need to connect it with your personal HFS account first. This may be a good task for a web developer, or feel free to reach out to your HFS contractor success manager and we will take care of this process for you.

We recommend putting a short call-to-action (CTA) next to the HFS widget on your website. Your text should explain that by clicking the HFS button, customers can quickly and easily access financing for all their home improvement projects. You can also use bullet points such as:

  • No Stage Funding
  • No Equity and No Appraisal Needed
  • No Money Down
  • Direct-to-Consumer Funding
  • Terms Up to 20 Years
  • Personal Loans
  • Up to 120% Financing
  • Industry-Leading Loan Terms
  • Low Fixed Rates

The great thing about working with HFS Financial is that we will keep you in the loop throughout your customer’s financing process. Our automated updates and contractor support representatives keep you informed when a customer applies, and we’ll also let you know if they’re approved or denied. We take the burden off of you so that you can do what you do best — building the most fantastic home improvement projects around!

By using the HFS Financial widget on your website, it’s easier than ever for customers to access financing for their home improvement projects. With the widget web button, CTA copy and automated notifications, you can keep track of your customers’ financing and provide them with the best home improvement experience possible.

How Can I Grow My Business by Offering Financing?

When you want to grow your business, talking to your customers more about financing should be at the top of your business plan priorities. By giving customers the flexibility to pay for their home improvement projects over time, you open up a world of grand opportunity. Here are some ways that offering financing can help your business grow.

Since most homeowners rely on financing to complete their home improvement project, simply talking to them about the overall price isn’t enough. What they really need to know is, “How much is the monthly payment, and does it fit into my budget?” 

If you don’t talk to your customers about financing, the process of getting funded and signing a contract is more difficult and takes more time. After getting a quote from you, they’ll likely take the price you quoted them to their local bank to find out the terms and monthly payment associated with financing that amount. Then they’ll wait through a lengthy application process to find out if they’re approved before they can sign on your dotted line. 

By offering financing through HFS, you speed up the process and put the power in your customers’ hands to find out their loan terms quickly. Train your sales team to talk to every client about financing and to direct them to the HFS Check My Rate tool, where they can get an estimate of their loan payment in real time. 

Instead of only learning the overall project price, they can focus on the monthly price and make quicker decisions. “Oh, that would be about $350/month? Yeah, that’s within our budget.”

When your sales team takes advantage of the HFS Check My Rate tool, they’ll find easy opportunities to offer upsells to your clients. If the client has said they would like to keep their monthly loan payments under a certain amount, and the Check My Rate tool estimates their payment is under that, that’s the perfect chance for your salesperson to say, “Looks like you can afford to add that kitchen island (marble counter, oak flooring, built-in spa, pool house…you name the upgrade!) on after all.”

By discussing financing with every client, your sales grow while your clients get the features they’re dreaming about!

Many, if not most, of your competitors will not offer financing so just the fact that you do gives you a huge competitive edge. By providing financing to potential customers, you can easily help them make their home improvement dreams a reality. And when they talk about how amazing the process was to work with you, those word-of-mouth recommendations and online reviews can boost your business in major ways. This will help you stand out from the competition and acquire more customers than ever before.

Customers who get frustrated with other lending processes are often customers who throw in the towel on the project. When you have had in-home consultations, discovery meetings, planning consultations and more, your customer throwing in the towel because of frustrating bank funding is the last thing you want. Close the deal by simplifying the lending process. By working with HFS Financial, you offer a streamlined lending process to your customers, with clear expectations and an easy-to-understand process that will leave your customers feeling satisfied and secure.

When they get funded through HFS Financial, each customer is essentially a cash buyer. Because their home improvement loan funds upfront, your customers can quickly and easily access the funds they need and you get paid quickly – on your terms. This also ensures that you are not left holding the bag for any financial losses as a result of bank funding delays or denials.

With HFS Financial, you don’t need to worry about hiring additional accounting staff to handle loan paperwork or collect on loans. We take care of all that for you, meaning your staff can focus on what they do best – providing the best home improvement experience possible. You’ll only need additional staff when your business starts to grow in other areas because contractor funding has earned your additional customers and projects.

Train your sales team to discuss financing with every single client. You’ll close more (and sometimes larger) sales, see contracts signed faster, increase your cash flow, and grow your bottom line. And your customers will appreciate the convenience and flexibility of being able to pay for their projects over time and enjoying a simplified lending experience. 

To download promotional materials or a widget for your website, visit our Contractor Resource Center.

What contractors can offer home improvement financing through HFS Financial?

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