Contractor & Home Services Financing

Home improvement projects are expensive. Roofing, HVAC, plumbing, electrical, remodeling—these jobs often run $5,000 to $50,000 or more. Many homeowners want the work done but struggle to pay the full amount upfront.

This is where customer financing transforms your business. According to industry research, offering financing on estimates can increase close rates by 20-30% and boost average project size by 15-25%. Customers who would have said "let me think about it" say "yes" when monthly payments are an option.

The financing model for contractors is straightforward. When you present an estimate—especially for projects over $1,000—you also present a monthly payment option. "This roof replacement is $12,000, or about $250/month with financing." The total feels manageable. The customer proceeds.

Modern financing platforms make this seamless. Customers apply in minutes—often right on their phone while you're still at their home. Decisions come back in seconds, not days. Approved customers can authorize the work immediately. You get paid when the work is complete, just like a regular job.

The key insight from successful contractors: introduce financing early. Don't wait for customers to ask about payment plans. Present financing as a standard option during the estimate phase. "Pay over time" messaging should appear on your website, in your estimates, and in your sales conversations.

Platforms like those integrated through Unison connect customers with multiple lenders. Customers see personalized offers with transparent terms—no hidden fees, no deferred interest surprises. Loan terms typically range from 24 to 72 months. Customers repay the lender directly; you're out of the collections business entirely.

The bottom line: contractors who offer financing close more jobs at higher values. If you're not offering payment options, you're leaving money on the table—and losing customers to competitors who do.