When the homeowner hears the number and goes quiet, financing is what saves the job. Here are the 8 programs worth offering, compared honestly.
Every remodeler has watched a $60,000 kitchen shrink to a $25,000 facelift the moment the homeowner did the math out loud. Payment options change that conversation. Instead of one scary number, they hear a monthly one, and the full scope stays on the table.
Fee schedules move. Compare all 14 financing vendors on VendorRack, free to browse.
How this guide works: every company here already earned its spot in the VendorRack directory, which lists 197 researched, reputation-checked vendors across 14 categories. Nobody paid to be ranked in this guide, and nobody can. We only quote pricing a vendor publishes, we name the tradeoffs out loud, and we label Featured vendors when they appear. VendorRack is built alongside the Contractor Coalition, a community of 13,900+ residential contractors.
Point-of-sale financing exists because homeowners think in monthly payments, not project totals. The remodeler who can say "that's about the cost of a car payment" while sitting at the kitchen table closes scopes the cash-only guy never gets to bid.
Here's the honest part most lenders skip: financing isn't free for you. Promotional offers like same-as-cash carry a dealer fee, a percentage the lender charges you for making the offer. Good operators know their fee schedule cold and price accordingly. The programs below differ mostly in loan size, fee structure, and how the homeowner applies, so that's how we've compared them.
Most remodelers end up carrying two: a primary program plus a second-look option for the homeowners the first one declines. Here's the field.
The largest dedicated home improvement lender in the country, with more than $30 billion funded. Homeowners apply in minutes and credit decisions come back while you're still in the driveway, on loans that typically run up to about $65,000.
Where It Shines
The Catch
Best For
Remodelers who want the most proven name in point-of-sale home improvement lending.
A bank-owned lender that's done nothing but contractor-channel home improvement loans for more than 20 years. You offer branded loan programs, same-as-cash and low-APR options, right at the kitchen table.
Where It Shines
The Catch
Best For
Established remodelers who sell in the home and want a bank-owned program behind their pitch.
An app for the small contractor that puts a financing marketplace, quotes, invoices, and payments in one place. Homeowners see offers from multiple lenders on loans that reach up to about $250,000.
Where It Shines
The Catch
Best For
Small remodeling shops that want financing plus daily sales tools in one app.
Pay-over-time financing that lives inside the software you already quote from. The homeowner sees a financing option right on the estimate and applies from their phone in about a minute.
Where It Shines
The Catch
Best For
Remodelers already running field software who want financing to appear on every estimate automatically.
A fintech lender built on a simple pitch: low dealer fees and low homeowner APRs, so you're not baking a fat fee into every bid. More than $4 billion originated since 2020.
Where It Shines
The Catch
Best For
Remodelers who'd rather compete on price than pad bids to cover financing fees.
A consumer bank with roughly 70 million active accounts whose HOME program lets contractors offer promotional financing on a revolving credit line rather than a fixed installment loan.
Where It Shines
The Catch
Best For
Remodelers whose customers come back for phased projects and prefer a familiar big-bank name.
A point-of-sale lender known for second-look approvals: installment loans up to $100,000 with a real appetite for the homeowners other lenders decline.
Where It Shines
The Catch
Best For
The second program in your stack, catching the approvals your primary lender passes on.
A financing marketplace instead of a single lender. The homeowner fills out one application with no hard credit pull and compares prequalified offers from multiple lenders.
Where It Shines
The Catch
Best For
Remodelers who want a no-cost financing option to hand every homeowner, especially rate shoppers.
| Program | Typical Loan Size | Structure | Known For |
|---|---|---|---|
| GreenSky | Up to about $65K | Installment, promo plans | The biggest dedicated home improvement lender |
| EnerBank | Varies by program | Installment, bank-owned | 20+ years of kitchen-table loan programs |
| Hearth | Up to about $250K | Lender marketplace + app | Financing plus quotes and invoicing in one app |
| Wisetack | Project-size loans | Embedded in field software | Financing that appears right on the estimate |
| PowerPay | Project-size loans | Installment, low dealer fee | Keeping financing fees out of your bids |
| Synchrony | Revolving line | Promotional revolving credit | Big-bank promo financing, 70M accounts |
| Foundation Finance | Up to $100K | Installment | Second-look approvals |
| Acorn Finance | Varies by lender | Marketplace, no hard pull | One application, multiple offers |
Start with the project sizes you actually sell. If most of your jobs land under $65,000, GreenSky's core range covers you. Selling $150,000 kitchens and additions? You need a program or marketplace that reaches higher, like Hearth's lender network.
Then do the fee math on your three most common job sizes before you sign anything. A promo plan with a steep dealer fee on a $40,000 job is real money, and it either comes out of your margin or goes into your price. Programs like PowerPay compete specifically on keeping that fee down.
Last, carry a second-look option. A declined application doesn't have to be a lost job. Foundation Finance built its book on approving the homeowners the first lender passed on, and marketplaces like Acorn let the homeowner shop several lenders with one soft-pull application.
Browse the Financing category on VendorRack to see all 14 vendors side by side, free.
Quick answers to what remodelers ask most about offering financing.
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