Choose the Pathway That's Right For You
There are as many different sales processes in the industry as there are shapes and sizes of dealers. For that reason, OPTIMUS offers 3 streamlined pathways comprised of the most innovative lending and leasing providers in the home improvement industry. EGIA’s dedicated training and engagement process is the pre-eminent solution for HVAC and Traditional Home Improvement dealers.
OPTIMUS PRIME PATHWAY
THROUGH GREENSKY
The Pathway that offers consumer friendly programs, combined with the ease of a seamless application process and soft credit-pull technology. Get up to 90% approval rates with just one simple application.
• The premier home improvement program, with best-in-class pricing and the most streamlined process in the industry
• No homeowner requirements; instantaneous approvals
• Provides the most attractive promotional programs: no-payment solutions, fixed terms and low APRs.
The innovator of mobile point-of-sale financing. GreenSky® helps you delight your customers and grow your business from day one with the most powerful tool you can possess: The ability to increase your customers’ buying power.
GreenSky® was founded on the idea that payment, credit and commerce could be enhanced using technology delivered via an elegant user experience. We believed payment and credit could be an asset that empowers and enables commerce, not a distraction or impediment. Today, GreenSky® delivers a service that helps business grow and delight their customers.
NEAR PRIME
THROUGH FTL or FOUNDATION FINANCE
OPTIMUS has partnered with several second look programs in the HVAC & Home Improvement market. These programs include 2nd look installment loans and revolving credit financing, providing consumers with solutions to fit an array of credit profiles and monthly budgets.
SUBPRIME
THROUGH MICROF
Every OPTIMUS Pathway comes standard with Microf Lease Purchase products. The most unique lease purchase option available with no FICO requirements; approves up to 75% of the applications declined by traditional financing providers. It is the perfect complement to any OPTIMUS Pathway.
Designed for those who are setting out on a new journey, those new to financing, EGIA and OPTIMUS set you up for success by reducing the challenges and the learning curve. OPTIMUS Pioneer allows even the smallest of dealers access to our Prime Pathway, simplifying the entire process. We’ve developed the perfect starter finance program, with only the most requested promotional offerings.
Pioneer includes prime and subprime loans that provide consumers with solutions to fit an array of credit profiles and monthly budgets.
The Prime Pathway comes standard with Microf Lease Purchase products. This is the most unique lease purchase option available, with no FICO requirements and approval of up to 75% of the applications declined by traditional financing providers. It is the perfect complement to any OPTIMUS Pathway.
Our trainers will provide you with everything you need to know to start and grow your business through consumer finance.
The innovator of mobile point-of-sale financing. GreenSky® helps you delight your customers and grow your business from day one with the most powerful tool you can possess: The ability to increase your customers’ buying power
GreenSky® was founded on the idea that payment, credit and commerce could be enhanced using technology delivered via an elegant user experience. We believed payment and credit could be an asset that empowers and enables commerce, not a distraction or impediment. Today, GreenSky® delivers a service that helps business grow and delight their customers.
OPTIMUS PRIME PATHWAY
THROUGH GREENSKY
The Pathway that offers consumer friendly programs, combined with the ease of a seamless application process and soft credit-pull technology. Get up to 90% approval rates with just one simple application.
• The premier home improvement program, with best-in-class pricing and the most streamlined process in the industry
• No homeowner requirements; instantaneous approvals
• Provides the most attractive promotional programs: no-payment solutions, fixed terms and low APRs.
The innovator of mobile point-of-sale financing. GreenSky® helps you delight your customers and grow your business from day one with the most powerful tool you can possess: The ability to increase your customers’ buying power.
GreenSky® was founded on the idea that payment, credit and commerce could be enhanced using technology delivered via an elegant user experience. We believed payment and credit could be an asset that empowers and enables commerce, not a distraction or impediment. Today, GreenSky® delivers a service that helps business grow and delight their customers.
NEAR PRIME
THROUGH FTL or FOUNDATION FINANCE
OPTIMUS has partnered with several second look programs in the HVAC & Home Improvement market. These programs include 2nd look installment loans and revolving credit financing, providing consumers with solutions to fit an array of credit profiles and monthly budgets.
SUBPRIME
THROUGH MICROF
Every OPTIMUS Pathway comes standard with Microf Lease Purchase products. The most unique lease purchase option available with no FICO requirements; approves up to 75% of the applications declined by traditional financing providers. It is the perfect complement to any OPTIMUS Pathway.
Designed for those who are setting out on a new journey, those new to financing, EGIA and OPTIMUS set you up for success by reducing the challenges and the learning curve. OPTIMUS Pioneer allows even the smallest of dealers access to our Prime Pathway, simplifying the entire process. We’ve developed the perfect starter finance program, with only the most requested promotional offerings.
Pioneer includes prime and subprime loans that provide consumers with solutions to fit an array of credit profiles and monthly budgets.
The Prime Pathway comes standard with Microf Lease Purchase products. This is the most unique lease purchase option available, with no FICO requirements and approval of up to 75% of the applications declined by traditional financing providers. It is the perfect complement to any OPTIMUS Pathway.
Our trainers will provide you with everything you need to know to start and grow your business through consumer finance.
The innovator of mobile point-of-sale financing. GreenSky® helps you delight your customers and grow your business from day one with the most powerful tool you can possess: The ability to increase your customers’ buying power
GreenSky® was founded on the idea that payment, credit and commerce could be enhanced using technology delivered via an elegant user experience. We believed payment and credit could be an asset that empowers and enables commerce, not a distraction or impediment. Today, GreenSky® delivers a service that helps business grow and delight their customers.
OPTIMUS Revolving Credit Pathway
THROUGH Wells Fargo
The OPTIMUS Prime Revolving Credit Pathway allows HVAC contractors to offer special financing options to their customers at the point of sale in one simple app. With the Wells Fargo Home Projects® credit card program, participating contractors can expect consistent approvals, allowing them to confidently offer convenient monthly payments to customers.
• Revolving line of credit: A revolving line of credit encourages repeat purchases and allows you to market to existing customers based on their available-to-buy amount.
• Strong approvals and competitive pricing: The Wells Fargo Home Projects® program offers consistently strong approvals, competitive plans and terms, and a variety of special financing plans.
• Quick and easy online application: Wells Fargo Credit Connect makes it easy for customers to apply and lets you focus on your business, not paperwork.
• Dedicated support from an experienced provider: You can offer financing with confidence knowing your business has the support of a dedicated Wells Fargo relationship management team.
The OPTIMUS Prime Revolving Credit Pathway with Wells Fargo does not use Soft Pull technology.
NEAR PRIME
THROUGH FTL or FOUNDATION FINANCE
OPTIMUS has partnered with second look programs in the HVAC & Home Improvement market that also offer revolving lines of credit. These programs provide consumers with solutions to fit an array of credit profiles and monthly budgets.
SUBPRIME
THROUGH MICROF
Every OPTIMUS Pathway comes standard with Microf Lease Purchase products. The most unique lease purchase option available with no FICO requirements; approves up to 75% of the applications declined by traditional financing providers. It is the perfect complement to any OPTIMUS Pathway.
OPTIMUS ADVANTAGE LEASING PATHWAY-COMING SOON!
THROUGH Advantage Alliance
The OPTIMUS Advantage Lease Pathway is an all-inclusive, worry-free option for HVAC customers. Annual maintenance and $0 repair coverage is included for the full term of the customer’s agreement. The program offers the simplicity of a subscription model for traditional prime financing customers.
• No Up-Front Dealer Costs
• Includes Annual Maintenance & Emergency Service Calls
• Buy-out Options Available at Any Point
SUBPRIME
THROUGH MICROF
Every OPTIMUS Pathway comes standard with Microf Lease Purchase products. The most unique lease purchase option available with no FICO requirements; approves up to 75% of the applications declined by traditional financing providers. It is the perfect complement to any OPTIMUS Pathway.
Commercial Lenders
These non-OPTIMUS integrated commercial programs can finance or lease new equipment installations among a wide range of credit profiles and available terms.
Named the “2020 Best Alternative Small Business Lender” by Business.com, Balboa Capital is a direct lender which works inclusively in short-term business loans and commercial equipment financing. Supporting a simple on-line application process and a handy payment calculator, Balboa offers quick credit decisions, many in as little as a day. While the general rates and terms in the commercial market can fluctuate based on outside economics, Balboa’s support and timely process make it a leader in commercial lending.
• Rates as low as 3.49% over $150K with full financial statements review
• We finance transactions up to $2M
• App Only up to $350K for soft, $500K for hard collateral types
• We approve credits from A-E start-ups up to $50K
• We are providing higher than requested approval amounts for better credits
• We no longer require advance rental and voided checks
Headquartered in Fort Collins, Colorado, Tandem Finance is a wholly-owned subsidiary of Chesswood Group Limited. Chesswood Group Limited, publicly traded on the Toronto Stock Exchange (TSX: CHW), is a financial services company operating in the commercial finance industry in North America.
Tandem Finance underwrites, funds, and fully administers transactions across the spectrum – including start-up businesses. Credit decisions are generally delivered in less than two hours on applications under $250,000.
Up to 90-Day Deferred with Zero Down
Seasonal Payment Options
Canadian Finance Programs
Make the loan application yours – Unique merchant branded, customer facing pre-approval application available for your website
Sell larger jobs – Maximum credit approvals up to $60,000
Software Ready - Integrated with most management software platforms
Loan Products
• Standard credit
• Extended credit
• Deferred payments
• Reduced Interest
• 0% interest
How SNAP works
• Customer applies by using through the online application
• Customer conditionally approved within minutes and customer signs the loan docs by e-sign from the contractor’s mobile device.
• Process payment by submitting the completion certificate upon job completion. Funding will occur 24-48 hours after customer verification that the job is complete.
Loan Products
• Fixed Rate
• Extended Credit
• Deferred Interest
• No Interest
Headquartered in Fort Collins, Colorado, Tandem Finance is a wholly-owned subsidiary of Chesswood Group Limited. Chesswood Group Limited, publicly traded on the Toronto Stock Exchange (TSX: CHW), is a financial services company operating in the commercial finance industry in North America.
Tandem Finance underwrites, funds, and fully administers transactions across the spectrum – including start-up businesses. Credit decisions are generally delivered in less than two hours on applications under $250,000.
Up to 90-Day Deferred with Zero Down
Seasonal Payment Options