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.

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.

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 has partnered with Navitas Credit Corp., a leader in commercial HVAC/R financing, to provide best-in-class commercial financing to OPTIMUS enrolled contractors! As a well-capitalized, wholly owned subsidiary of United Community Bank (NASDAQ: UCBI), Navitas carries a strong reputation in the financial marketplace, flexibility in underwriting and a personalized customer approach that truly understands the HVAC industry.

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.

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.

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 has partnered with Navitas Credit Corp., a leader in commercial HVAC/R financing, to provide best-in-class commercial financing to OPTIMUS enrolled contractors! As a well-capitalized, wholly owned subsidiary of United Community Bank (NASDAQ: UCBI), Navitas carries a strong reputation in the financial marketplace, flexibility in underwriting and a personalized customer approach that truly understands the HVAC industry

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

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.

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.

Light Commercial/Commercial Lender. Small business owners, equipment vendors, franchise owners, and middle market executives nationwide look to Balboa Capital for their equipment financing and small business loans.

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

Commercial finance provider for transactions up to $500,000, across all credit tiers.

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.

Financeit, the mobile friendly solution that can be customized for your selling needs

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

SNAP Home Finance offers a mobile app that includes tools such as Good, Better, Best options, a payment calculator, and e-sign capabilities

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.

Commercial finance provider for transactions up to $500,000, across all credit tiers.

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.

The Wells Fargo Home Projects® program helps you close bigger home improvement projects more easily, with a simple application process, fast credit decisions, and consistent approval rates — not to mention powerful online tools and dedicated relationship representatives invested in your success.

Our program is backed by a stable, 172-year-old financial services institution that works side by side with businesses like yours to help build the communities we serve. We’re here for your customers with the financing they need — and the tools and support you can count on to help grow your revenue.

Easy to use

• A simple credit application customers can complete in-home or online
• End-to-end paperless solutions that let you submit and track applications, access summary reports, and more

Fast

• On-the-spot credit decisions
• Immediate access to credit upon approvals
• Funds typically deposited within 48 hours

Attractive incentives

• Quarterly rebates based on volume
• Competitive special terms rates