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.


SUBPRIME

THROUGH FOUNDATION FINANCE or FTL (COMING SOON)

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.


LEASE TO OWN PATH

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.

Are you New to Finance?

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.


SUBPRIME

THROUGH FOUNDATION FINANCE or FTL (COMING SOON)

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.


LEASE TO OWN PATH

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 Revolving Credit Pathway, powered by Spectrum AC, 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. The OPTIMUS Revolving Credit Pathway, with Wells Fargo, does NOT include the use of the soft pull credit technology.

• The Wells Fargo Home Projects program lets you close more deals, more easily, with fast funding, high customer credit approval rates and high limits — not to mention dedicated tools and associates invested in your success.
• With our latest digital processing options, you can conduct business from anywhere and at any time – whether your customer is with you or not.
• A revolving line of credit offers the ability to re-market directly to your customer base.
• Wells Fargo is an established, well-known financing provider in the HVAC & Home Improvement marketplace.


SUBPRIME

THROUGH FOUNDATION FINANCE or FTL (COMING SOON)

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.


LEASE TO OWN PATH

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


LEASE TO OWN PATH

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.

Equipment Lease Amounts $3,000 - $250,000
Equipment Lease Terms 2 – 6 years
Commercial Loan Amounts $2,000 - $250, 000
Commercial Loan Terms 3 – 18 Months
Consumer Application Online
Optimization No Personal Guarantees Required

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.

Equipment Financing Amounts $5,000 – $500,000+
Equipment Financing Terms 1 – 6 years
Commercial Loan Amounts $2,000 – $500, 000
Commercial Loan Terms 3 – 18 Months
Application/Documentation Online or PDF file
Optimization New Business Financing Welcome
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.

Equipment Financing Amounts $5,000 – $500,000+
Equipment Financing Terms 1 – 6 years
Commercial Loan Amounts $2,000 – $500, 000
Commercial Loan Terms 3 – 18 Months
Application/Documentation Online or PDF file
Optimization New Business Financing Welcome
Up to 90-Day Deferred with Zero Down
Seasonal Payment Options