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.

How It Works

1. Apply online — takes less than 10 minutes
2. Get approved — most merchants within 24 to 48 hours
3. We configure everything — custom settings, integrations, and branding
4. Hands-on training — your team learns every feature

What you will not find with Unison:

• No long-term contracts
• No early termination fees
• No setup charges

Already with another provider? We analyze your current setup, find savings, and manage the full switch. Contact us today for a free consultation.

Unison works with businesses of all sizes. Whether you run a single location or manage dozens, contractor & home services financing adapts to your needs.

Small Businesses & Startups

• No contracts, no setup fees, no minimum volumes
• Same enterprise-grade technology as larger merchants
• Dedicated account manager from day one
• Scales with you as your business grows

Established & High-Volume Businesses

• Custom pricing based on volume
• Multi-location management and reporting
• API integrations with existing systems
• Priority support and a single relationship manager

High-Risk Industries

CBD, peptides, gaming, and eCommerce businesses get stable accounts through our high-risk merchant accounts. We pair you with banks that specialize in your industry and include chargeback prevention and fraud monitoring.