Welcome to OPTIMUS Financing

The All-in-One Financing & Leasing Platform

When it comes to financing, matching the right finance program for a diverse customer base can be burdensome. For that reason, EGIA developed OPTIMUS. Designed for every Home Improvement and HVAC contractor, from a single person shop to the largest mega dealers, OPTIMUS is the platform to help you become more profitable.

OPTIMUS uses Soft Pull technology to quickly help a customer get to the right lending or leasing products. This will virtually eliminate the need for multiple applications and multiple credit pulls for customers, all the while delivering 90% approval rates for your business. All in just seconds.

OPTIMUS eliminates the “NO” and gets you to a “YES” quickly and seamlessly.

Most importantly, OPTIMUS, with its state-of-the-art Soft Pull technology, will help CLOSE MORE JOBS!

OPTIMUS provides pathways that cover a wide range of credit profiles through one single application. Our platform is by far the easiest and fastest process for customer credit approval and project funding.

We offer the most advanced technology, competitive promotional pricing, and a single access point to all consumer underwriting (Prime, Sub-prime and Lease to Own options). We deliver the tools and process equipped to grow your business through the use of finance.

OPTIMUS, the exclusive finance platform from EGIA Finance, leads the industry in consumer finance and lease-to-own connectivity with one-on-one support. We provide in-depth contractor finance training, a finance call center for program related questions, and on-going sales consultations at no cost to you.

Please choose an option on the left


The OPTIMUS Prime Program is designed to deliver over 70+% approval rates while offering the best promotional programs and terms. This program offers “No Payment”, “No Interest”, or “Low Interest” solutions that customers prefer. This program also has reduced interest rates, as well as, terms that go to 15 years.

Near Prime

OPTIMUS offers a fully-integrated near prime, second look product originated and serviced for customers who do not meet the credit requirements of our primary lenders. The program can accommodate FICO scores to 580, while still offering Same-As-Cash loans, Reduced interest Loans and even Traditional Installment Loans. Our exclusive EGIA pricing is absolutely the best in the HVAC industry.


The OPTIMUS lease option is designed to approve customers with challenged credit. This option makes paying for an HVAC installation more affordable for the budget conscious with no risk for the contractor. Our industry leading program maintains ownership of the leased HVAC equipment until fully paid by the customer.

Schedule a Consultation

Consumer Finance and Lease-to-Own doesn’t have to be confusing and overwhelming. Our mission is to help you find the right OPTIMUS Pathway to fit your business. Our experts will work directly with you to set up your company on OPTIMUS, learn marketing strategies, and incorporate sales processes that will help you.

Enroll Now

EGIA Finance makes enrolling in OPTIMUS easy. Pathway providers require similar information and business documentation in order to enroll. The OPTIMUS Enrollment team will help you throughout the application process in order to make it quick and painless.

Enroll Now