Financing
Best Contractor Financing for Big-Ticket Jobs (2026)
On a $9,000 repair, "that's about $180/month" closes jobs that a lump sum loses. We compare the consumer-financing options contractors actually use to offer monthly payments — organized by how they work, what they cost you, and the honest trade-offs (including the deferred-interest fine print).
The short answer
To offer monthly payments on big-ticket jobs, the choice is the financing model. Wisetack and GreenSky embed point-of-sale financing inside your own checkout — you absorb a merchant fee and the customer applies in seconds. Hearth and Acorn Finance are lender marketplaces that send customers a link to compare prequalified offers, and you typically get paid upfront. Pick by job size and how much fee you'll absorb — and be straight with customers about deferred-interest terms, not just the headline "0%." No vendor pays for placement.
The headline filter: financing model
Embedded point-of-sale financing (Wisetack, GreenSky) lets you offer payments inside your own checkout — you pay a merchant or dealer fee, the customer applies in seconds. Lender marketplaces (Hearth, Acorn Finance) send customers a link to compare prequalified offers from many lenders, and you typically get paid upfront. The right pick depends on job size, how much fee you'll absorb, and whether you want financing embedded in your FSM or a free comparison link. For any model, be straight with customers about deferred-interest terms — not just the headline "0%."
Offer monthly payments inside your own checkout or invoice. The contractor pays a merchant or dealer fee; the customer applies in seconds with a soft credit check. Best for closing big-ticket jobs at the moment of decision.
Wisetack
Embedded consumer financing built for home-service businesses
Cost to you: 3.9% merchant fee per transaction; higher only on extended 0% APR add-ons
Loan size: Typically up to ~$25,000
- Model
- embedded pos
- Founded
- 2018
- Customer APR
- 0%–35.9% APR
Best for: HVAC, plumbing, electrical, and roofing contractors who want frictionless point-of-sale financing wired into the FSM they already use, to close more big-ticket service jobs
GreenSky
Large-scale home-improvement point-of-sale financing (up to $100K)
⚠ Reputation / consumer-cost warning
GreenSky's deferred-interest promotions can charge customers retroactive interest if the balance isn't paid off within the promo window, and contractor dealer fees run high (3–15%, with 0% promos at 8–15%).
Cost to you: Dealer fee 3–15%, deducted from the loan amount (3–6% standard; 8–15% on 0% promos)
Loan size: Up to $100,000
- Model
- embedded pos
- Founded
- 2006
- Customer APR
- Fixed-rate, deferred-interest, and 0% promotional plans
Best for: Remodeling, roofing, HVAC, and solar contractors financing large projects (up to $100,000) who need high loan capacity and can price in higher dealer fees
Sunbit
~90% approval, 30-second decisions — built for smaller-ticket service jobs
⚠ Reputation / consumer-cost warning
Consumer-complaint cluster around abrupt account "restrictions" and hard-to-reach support.
Cost to you: ~5% per financed transaction (up to 9% some verticals); no monthly or platform fee
Loan size: ~$60–$10,000 (smaller/mid tickets)
- Model
- embedded pos
- Founded
- 2015
- Customer APR
- 0%–35.99% APR
Best for: Smaller-ticket home and field services — HVAC repairs/service calls, plumbing, electrical, pool/spa, appliance repair — that need high approval and instant decisions
Send customers a link to compare prequalified offers from many lenders with a soft credit check. Often free (or subscription-based) for the contractor, and you typically get paid upfront.
Hearth
Contractor financing marketplace plus sales tools (subscription-based)
Cost to you: Subscription: $1,499–$4,999/yr + $99 setup (no per-loan dealer fee; you pay for the platform)
Loan size: $1,000–$100,000
- Model
- marketplace
- Founded
- 2016
- Customer APR
- 4.9%–35.99% APR via 18+ lenders
Best for: Contractors who finance enough volume to amortize a four-figure annual subscription and want a lender marketplace bundled with estimating and sales tools
Acorn Finance
Free lender marketplace — compare 30+ home-improvement loan offers
Cost to you: Free — no dealer, subscription, sign-up, or credit-card fees
Loan size: Home-improvement loan amounts vary by lender
- Model
- marketplace
- Founded
- 2017
- Customer APR
- Fixed-rate offers from 30+ lenders
Best for: Contractors who want to offer financing at zero cost, let customers compare real fixed-rate offers from many lenders, and get paid upfront — without a dealer fee or subscription
PowerPay
Multi-lender POS platform for large-ticket jobs — staged funding to $100k
⚠ Reputation / consumer-cost warning
Consumer-complaint cluster around interest charged before promos end, missing statements, and slow refunds, with conflicting BBB-grade reports.
Cost to you: Markets low/no contractor fees (vs ~7.5% industry norm); exact dealer-fee schedule not published
Loan size: Up to $100,000; terms up to 15 years (derived avg ~$17.5K)
- Model
- marketplace
- Founded
- 2017
- Customer APR
- Customer APR starts ~8.99%
Best for: Mid-to-large home-improvement trades (roofing, siding, windows/doors, HVAC replacement, decking, remodeling) needing high loan amounts and progress funding
Lenders that fund home-improvement loans directly.
Service Finance Company
Bank-backed (Truist) home-improvement POS financing with 50+ programs
⚠ Reputation / consumer-cost warning
Documented consumer complaints around promotional-term confusion and interest-vs-principal billing (EnergySage 2.
Cost to you: Not published — quoted at enrollment (industry norm is $0 to sign up; promotional/0% programs carry dealer fees)
Loan size: Not published; broad home-improvement project sizes
- Model
- lender
- Founded
- 2004
- Customer APR
- Not published
Best for: Established, multi-state home-improvement contractors (HVAC, windows, doors, siding, roofing, solar) who value bank-backed funding stability and a deep program menu
Foundation Finance Company
Full-credit-spectrum financing — approves customers prime-only lenders decline
⚠ Reputation / consumer-cost warning
Documented complaints around transparency, high APRs at the low-credit end, and promo confusion — typical of subprime lending.
Cost to you: $0 to enroll; dealer fees tiered by promo richness (a testimonial referenced reducing a ~19% fee) with no-fee options available
Loan size: Up to $100,000; terms up to 240 months
- Model
- lender
- Founded
- 2012
- Customer APR
- Wide — full credit spectrum incl. subprime
Best for: Contractors who frequently lose jobs to credit declines (solar, HVAC, roofing, siding, windows, remodeling, water treatment) and need to approve credit-challenged customers
Regions | EnerBank Home Improvement Financing
Direct bank lender (Regions) with no-recourse funding and fast pay
Cost to you: Markets "no sign-up fees"; promotional/0% financing carries dealer fees industry-wide (schedule not published — confirm in the program agreement)
Loan size: ~$1,000–$65,000; ~$5,000 minimum average project
- Model
- lender
- Founded
- 2002
- Customer APR
- Cited "as low as 8.99%" up to ~24.49%
Best for: Established remodeling trades (HVAC, windows, roofing, decks, kitchen & bath) doing ~$5,000+ projects that want bank stability, no-recourse funding, and fast pay
Private-label or 0% promotional cards for home-improvement purchases.
Synchrony HOME
Private-label revolving credit with ~5M cardholders and 0% promos
⚠ Reputation / consumer-cost warning
Heavy consumer-complaint pattern around deferred-interest retroactive charges (customers back-charged if they miss the 0% window).
Cost to you: Dealer fee scales with promo (~1%–15%); manufacturer programs can zero it out. Typically $0 to enroll
Loan size: Revolving credit lines up to ~$75,000
- Model
- card
- Founded
- 2014
- Customer APR
- 0% promotional / deferred-interest
Best for: HVAC, roofing, windows/doors, and remodeling contractors — especially those tied to a participating manufacturer whose program subsidizes the dealer fee
Where to start
Service-ticket shop that wants financing wired into your FSM? Wisetack (flat 3.9%, embedded in Housecall Pro/Jobber/FieldPulse). Want a free option with no cost to you? Acorn Finance (free marketplace, paid upfront). Financing large $50K–$100K projects? GreenSky has the capacity — just price in the dealer fee and disclose deferred-interest terms. Want bundled sales tools and will use them? Hearth's subscription can fit.