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, we partner with only reputable, innovative lenders in the HVAC industry, EGIA’s dedicated HVAC training and engagement process is the pre-eminent solution for HVAC dealers.

EnerBankUSA is the customer service leader in the home improvement finance market with the highest NPS scores in the industry. They offer turnkey marketing and unmatched dealer support and as a specialized FDIC-insured bank, home improvement lending is their exclusive focus. EnerbankUSA offers low fixed interest rates with low payment factors, plus aggressive same-as-cash promotions, for these reasons they are a market leader in many home improvement categories but most importantly the HVAC sector.

Loan Amounts Loan Amounts up to $55,000
APRs 0% - 17.99%
Terms Up to 144 Months
Contractor Funding ACH funding 24-48 hours upon job completion
OPTIMIZATION Zero dealer fee on Traditional Installment Loan

Most Popular Plans

• 12 Month Same-as-Cash
• 6.99% APR on a 10 Year Loan
• 8.99% - 12.99% APR Traditional Installment Loan


SECONDARY PATH THROUGH FOUNDATION FINANCE

Foundation Finance and Optimus together created the absolute best second look program in the HVAC market. This program includes prime and subprime installment loans and revolving credit financing that provide consumers with solutions to fit an array of credit profiles and monthly budgets.


LEASE TO OWN PATH THROUGH MICROF

The most unique lease purchase option available; approves up to 75% of the applications declined by traditional financing providers. It is the perfect complement to any Optimus Pathway.

GreenSky, Inc., founded in 2006 and based in Atlanta, Georgia, is a financial technology company that partners with federally insured financial institutions to offer consumer loans for home improvements. This program has no income requirements or home ownership requirements for borrowers.

Loan Amounts Maximum Approval Limits up to $55,000
APRs 0% - 26.99%
Terms Up to 144 Months
Contractor Funding Via Merchant/Credit Card transaction or ACH (ACH is exclusive for contractors enrolled with EGIA Finance)
OPTIMIZATION No homeowner qualifications

Most Popular Plans

• No Interest if Paid in Full for 12 months
• Reduced Rate 6.99% for 120 months
• 0% interest Equal monthly payments for 60 Months


SECONDARY PATH THROUGH FOUNDATION FINANCE

Foundation Finance and Optimus together created the absolute best second look program in the HVAC market. This program includes prime and subprime installment loans and revolving credit financing that provide consumers with solutions to fit an array of credit profiles and monthly budgets.


LEASE TO OWN PATH THROUGH MICROF

The most unique lease purchase option available; approves up to 75% of the applications declined by traditional financing providers. It is the perfect complement to any Optimus Pathway.

Founded in 2010, Mosaic provides financing solutions on a variety of home improvement projects, including energy-efficient heat pump technology. Its state of the art point-of-sale application allows residential HVAC contractors and solar installers the ease of accepting applications from virtually anywhere, without customers needing to be in close contact.

Loan Amounts Maximum Approval Limits up to $55,000
APRs 0% - 17.99%
Terms Up to 10 years
Contractor Funding ACH
OPTIMIZATION Staged Funding up to 30%

Most Popular Plans

• 5 Year Reduced Rate at 9.99%
• 10 Year Reduced Rate at 6.99%
• 7 Year Reduced Rate at 6.99%


SECONDARY PATH THROUGH FOUNDATION FINANCE

Foundation Finance and Optimus together created the absolute best second look program in the HVAC market. This program includes prime and subprime installment loans and revolving credit financing that provide consumers with solutions to fit an array of credit profiles and monthly budgets.


LEASE TO OWN PATH THROUGH MICROF

The most unique lease purchase option available; approves up to 75% of the applications declined by traditional financing providers. It is the perfect complement to any Optimus Pathway.

The Optimus Pioneer Program is the perfect vehicle for dealers that are new to financing. Regardless of the size of your company or how long you’ve been in business, the Optimus Pioneer program allows you access to the best programs, and most commonly requested loans by the consumers. We’ve limited the offerings, simplified the process, and streamlined the enrollment to make your life, and your financing progress, that much easier.

Loan Amounts Maximum Approval Limits up to $55,000
APRs 0% - 17.99%
Terms Up to 144 Months
Contractor Funding ACH within 24-48 hours upon job completion
OPTIMIZATION Access to only most commonly requested plans

Foundation Finance programs include prime and subprime installment loans and revolving credit financing that provide consumers with solutions to fit an array of credit profiles and monthly budgets. By having multiple credit tiers, Foundation Finance can provide more approvals overall.

Loan Amounts Maximum Approval Limits up to $75,000
APRs 0% - 26.99%
Terms Up to 120 Months
Contractor Funding ACH within 24-48 hours of completion confirmation
OPTIMIZATION Enhanced buying power for mid to low FICO scores

Most Popular Plans

• 12 Month No Payment Deferred Interest
• 10.90% APR on a 10 Year Loan (Zero Dealer Fee)
• 15.99% APR on a 10 Year Loan (Zero Dealer Fee / Turndown Option)


SECONDARY PATH THROUGH FOUNDATION FINANCE

Foundation Finance and Optimus together created the absolute best second look program in the HVAC market. This program includes prime and subprime installment loans and revolving credit financing that provide consumers with solutions to fit an array of credit profiles and monthly budgets.


LEASE TO OWN PATH THROUGH MICROF

The most unique lease purchase option available; approves up to 75% of the applications declined by traditional financing providers. It is the perfect complement to any Optimus Pathway.

The Microf program is designed for homeowners with challenged credit or those who prefer a month to month option. This unique lease purchase option provides a simple, online application, fast approvals and an opportunity to approve up to 75% of the applications declined by traditional prime lenders.

Loan Amounts Up to $10,000
Terms Month-to-Month leases up to 60 months
Contractor Funding ACH within 24-48 hours of completion confirmation
Consumer Application Mobile App, Online, Phone
OPTIMIZATION Solely based on customer’s income ability not FICO score driven

Microf not available in Alaska, Hawaii, Minnesota, New Jersey, Vermont, Wisconsin, Wyoming

Zero dealer fees in most states.

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

Specialty Lenders

These specialty lenders are non-Optimus integrated lenders that target specialized contractor or customer needs outside of our residential HVAC financing programs.

Ygrene Energy Fund, a leading provider of property assessed clean energy financing, provides 100% financing to residential and commercial customers for energy efficiency, renewable energy and water conservation improvements.

Only Available in California, Florida, & Missouri

No credit checks – loan approvals are based on the home’s equity

No monthly loan payments – Loan payment is added to the home’s property tax bill (annually or twice annually)

If you want to start using consumer finance solutions for the first time or need personal support when offering finance, FTL Finance can provide that support. FTL Finance is a Missouri based company specializing in financing residential HVAC equipment since 1996. Provide customers with fixed interest rates or revolving credit programs while high level of one on one interaction with a personally account representative.

Loan Amounts Maximum Approval Limits up to $100,000
APRs 0% - 18.99%
Terms Up to 7 Years
Contractor Funding ACH
Optimization $300 Loan Minimum Allows Financing of Repairs

At this time FTL Finance is not integrated into Optimus

This program is great for Solar PV contractors as well as HVAC contractors by providing access to multiple programs like Deferred Interest, Same-As-Cash, Zero Interest with Equal Payments, and Reduced Interest Loans.

Loan Amounts Maximum Approval Limits up to $100,000
APRs 0% - 24.99%
Terms Up to 20 years for Solar PV
Contractor Funding ACH
Optimization Progress pay/”stage funding” ability

Most Popular Plans

• 3 Month No Interest No Payment Promo Period / 6.99% Reduced Interest for 5 years
• 3 Month No Interest No Payment Promo Period / 6.99% Reduced Interest for 10 years
• 9.55% Reduced Interest Rate for 10 Years

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 of 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

GET STARTED TODAY

Consumer financing doesn’t have to be confusing and overwhelming. Our mission is to help you find the right finance program to fit your business. Our experts will work directly with you to choose a lending pathway, learn marketing strategies, and incorporate sales processes that will help you generate more revenue.