Financing
Best Contractor Financing for Big-Ticket Jobs (2026)
Consumer financing lets a customer pay for a repair or project in monthly installments. We compare 10 options contractors can offer, grouped by how they work, with what each costs you, what your customer pays and who receives the loan funds, plus the promotional terms (including deferred interest) to explain up front.
The short answer
The first choice is the financing model, and with it who pays the fee and who receives the loan funds. Wisetack publishes a 3.9% fee per financed job ($500-$65,000), or 4.9% to 9.9% when the customer picks a 0% APR add-on, and runs inside field-service apps such as Housecall Pro and Jobber. Sunbit covers smaller tickets ($50-$20,000) and pays the business up front; its one published fee is 6% + 30 cents per charge through Stripe. GreenSky charges a transaction fee that it sets and does not publish; read its regulatory record before enrolling. Hearth charges an annual subscription instead of a per-loan dealer fee, and Acorn Finance says it charges contractors no fees; with both, the loan funds go to the customer, who then pays you. Explain deferred-interest terms to every customer, not just the headline "0%." No vendor pays for placement.
The headline filter: financing model
Embedded point-of-sale financing (Wisetack, GreenSky, Sunbit) is offered with your quote, invoice or checkout; you pay a fee on each financed sale, and the lender or platform pays you. Lender marketplaces and platforms (Hearth, Acorn Finance, PowerPay) connect the customer with partner lenders: Hearth and Acorn send the loan funds to the customer, who pays you, while PowerPay says the provider is paid directly. Direct lenders (Service Finance, Foundation Finance, Regions) make home-improvement installment loans themselves; none of the three publishes a full dealer-fee schedule. Promotional credit cards (Synchrony) give the customer a revolving credit line with deferred-interest or fixed-APR promotions, and the merchant fee depends on the promotion. For any model, explain deferred-interest terms to customers, not just the headline "0%."
Pay-over-time plans offered at the point of sale, from your software, quote, invoice or checkout. The business pays a fee on each financed sale, which not every provider publishes, and the customer repays over time.
Wisetack
Pay-over-time financing embedded in home-service software, with a flat merchant fee
Cost to you: 3.9% per financed transaction; 4.9%, 6.9% or 9.9% only when a customer selects a 6, 12 or 24-month 0% APR add-on
Loan size: $500-$65,000
- Model
- embedded pos
- Founded
- 2018
- Customer APR
- 0%-35.9% APR
Best for: Home-service contractors who want pay-over-time financing sent from the field-service software they already use, with a published per-job fee, for jobs from $500 to $65,000
GreenSky
Bank-funded point-of-sale home-improvement loan program for contractors
⚠ Heads up
GreenSky has faced federal and state action over loans taken out in consumers' names without their authorization.
Cost to you: Transaction fee on each financed sale, a percentage of the loan amount set by GreenSky; get the rate for each plan in writing before enrolling
Loan size: Not confirmed from GreenSky; the CFPB described its loans as a few thousand to tens of thousands of dollars
- Model
- embedded pos
- Founded
- 2006
- Customer APR
- Varies by plan and bank partner
Best for: Home-improvement contractors on larger projects who want a bank-funded point-of-sale loan program and are prepared to price in a transaction fee and explain promotional terms carefully
Sunbit
Pay-over-time plans for in-person service businesses, lent by TAB Bank
Cost to you: Direct merchant fee not published by Sunbit. Through Stripe: 6% + 30 cents per successful Sunbit charge.
Loan size: $50-$20,000; terms 3-72 months (largest amounts and longest terms not available at all merchants)
- Model
- embedded pos
- Founded
- 2016
- Customer APR
- 0%-35.99% APR
Best for: Repair and service work (HVAC service calls, plumbing, electrical, pool and appliance repair) with tickets under $20,000, especially businesses already taking payments through Stripe
Platforms that connect your customer with partner lenders instead of lending themselves. Hearth and Acorn Finance show customers offers from multiple lenders, and the loan funds go to the customer, who then pays you; PowerPay pays the provider directly. Contractor costs differ: Acorn says it charges contractors no fees, Hearth charges an annual subscription, and PowerPay does not publish its contractor fees.
Hearth
Contractor software with a multi-lender financing marketplace, sold by annual subscription
⚠ Heads up
Hearth's BBB profile lists 97 complaints closed in the last three years (checked 30 September 2026).
Cost to you: Annual subscription with no per-loan dealer fee. Plan prices are demo-only; Hearth pages updated July 2026 cite $1,499-$4,999/yr on one page and $2,000-$6,000/yr plus a $99 setup fee on another.
Loan size: $1,000-$250,000; terms up to 12 years
- Model
- marketplace
- Founded
- 2016
- Customer APR
- From 7.99% APR
Best for: Contractors who finance enough jobs, or will use enough of the bundled quoting, payments and AI call-answering tools, to justify an annual subscription instead of paying a per-loan dealer fee
Acorn Finance
Free-to-contractor lending marketplace: customers compare offers from 20+ lenders
Cost to you: Free: Acorn says no setup, platform, monthly or dealer fees
Loan size: Varies by lender; amounts and terms are set in each lender's offer
- Model
- marketplace
- Founded
- 2018
- Customer APR
- Varies by lender and customer credit
Best for: Contractors who want to offer customer financing at no cost, let customers compare offers from many lenders, and are comfortable collecting payment from the customer after the loan funds
PowerPay
Point-of-sale financing platform for home improvement and patient care, funded by partner lenders
Cost to you: Not published; confirm contractor fees in your PowerPay provider agreement
Loan size: Not published on PowerPay's readable pages; confirm limits and terms when you enroll
- Model
- marketplace
- Founded
- 2017
- Customer APR
- Not published
Best for: Home improvement contractors (roofing, windows, HVAC replacement, kitchens, pools) who want a digital point-of-sale financing option and will confirm limits and fees at enrollment
Lenders that fund home-improvement loans directly.
Service Finance Company
Truist-owned point-of-sale installment lender for home-improvement contractors, with 50+ programs
Cost to you: Not published; dealer terms are discussed on a call after the sign-up form
Loan size: Not published; fixed-amount, fixed-term installment loans for home-improvement projects
- Model
- lender
- Founded
- -
- Customer APR
- Not published
Best for: Established home-improvement contractors (HVAC, roofing, windows and doors, remodeling, flooring) who sell in the home and want a Truist-owned direct lender with a wide menu of promotional and installment programs
Foundation Finance Company
Home-improvement installment financing with first and second looks across credit tiers
Cost to you: Free to join, no monthly charges or volume requirements. Tier 1 and 2 approvals pay out 100% with no risk discount; Tier 3-5 risk discounts vary by credit and application. Promotional and buy-down fees are not published.
Loan size: Projects up to $100,000; terms 12-240 months
- Model
- lender
- Founded
- 2012
- Customer APR
- Not published
Best for: Home-improvement contractors (HVAC, roofing, siding, windows, solar, water treatment, remodeling) whose customers span a wide range of credit profiles
Regions | EnerBank Home Improvement Financing
Regions Bank home-improvement loans for established remodelers, non-recourse to the contractor
Cost to you: No sign-up fees, no fixed or required costs and no merchant processing fees, per Regions. Many loan products carry a dealer fee; Regions does not publish the schedule.
Loan size: Not published; contractors need an average project size of at least $5,000 to enroll
- Model
- lender
- Founded
- 2002
- Customer APR
- Not published
Best for: Established residential remodelers (HVAC, roofing, windows, kitchen and bath, foundation repair, hardscaping, fencing) with average projects of $5,000 or more
Revolving credit with promotional financing plans for home projects, such as deferred-interest offers. The contractor pays a merchant fee that depends on the promotion.
Synchrony HOME
Synchrony Bank revolving credit for home projects, with deferred-interest and fixed-APR promotions
Cost to you: Merchant fee per financed sale, set by the promotion. Synchrony's 2026 York program lists 4.45%-10.10% for 6-24 month deferred interest, 0%-22.10% for fixed-APR plans and 10.85%-23.45% for 25-72 month no-interest plans, before manufacturer rebates. Other programs' fees are not published.
Loan size: Revolving credit line set at approval; Synchrony does not publish a maximum. Project Card promotions run 6 to 132 months
- Model
- card
- Founded
- -
- Customer APR
- 0% deferred-interest or reduced fixed-APR promotions
Best for: HVAC, flooring, windows and remodeling contractors, especially dealers in a manufacturer program that rebates Synchrony merchant fees
Where to start
Start with job size and how you want to be paid. Service and repair tickets: Wisetack (3.9% per financed job, more with a 0% APR add-on; $500-$65,000; inside Housecall Pro, Jobber, FieldPulse, JobNimbus and Contractor Plus) or Sunbit ($50-$20,000, business paid up front). No fee to you: Acorn Finance, which says it charges contractors no setup, platform, monthly or dealer fees; the customer receives the loan and pays you. Large projects: Foundation Finance (contracts up to $100,000 over 12-240 months) or, for established residential remodelers, Regions, which requires five years in business and $500,000 in annual residential remodeling sales (three years and $300,000 with a Regions banking relationship) and an average project of at least $5,000. Bundled sales tools: Hearth, whose annual subscription replaces per-loan dealer fees. Manufacturer dealer programs: Synchrony, where some manufacturers rebate the merchant fee. Before enrolling with GreenSky, read its regulatory record and get its transaction fee in writing.
Missing from this list?
We list 10 consumer-financing providers today, and we know that is not all of them. If you build one and it is not here, you can submit it for editorial review. An evaluation can end with or without a listing.
Listings are free. We do not accept payment for inclusion, for placement, for a score, or to remove a documented con. We publish the cons next to the pros, so read an existing review before you decide you want one.