Let Homeowners Apply for Financing in One Click
Price isn’t the objection—it’s the payment. When homeowners see monthly payment options right in your quote, they say yes to bigger jobs. BuildFolio’s one-click loan applications let customers apply instantly without leaving your estimate.
TL;DR — One-Click Loan Applications
What: Embedded financing in your quotes. How: Homeowner clicks “See Monthly Payments” and applies in 60 seconds. Result: 37% higher close rates, $4,200 higher average job size. Cost: $0 dealer fees—homeowner pays the interest. Lenders: Multiple options with 580+ credit score acceptance.
How One-Click Loan Applications Work
BuildFolio connects your quotes directly to multiple financing partners. Homeowners see monthly payment options and can apply without leaving your estimate.
Step 1: Create Your Quote
Build your estimate as usual—materials, labor, permits. BuildFolio automatically calculates monthly payment options for each total.
Step 2: Send the Estimate
Your quote shows the full price AND monthly payments side by side. “$12,500 or as low as $189/mo for 84 months.” Homeowners see both options instantly.
Step 3: Homeowner Applies
They click “See Payment Options,” enter basic info (name, address, income), and get a decision in seconds. No hard credit pull until they choose a loan. Soft pull for pre-qualification.
Step 4: You Get Paid
Once approved, the lender pays you directly. You get the full project amount—no dealer fees, no holdbacks. The homeowner repays the lender over time.
Why “as low as” works
A $15,000 roof sounds expensive. “$227/month” sounds like a car payment. Homeowners already budget monthly—financing puts your quote in terms they understand.
Why Contractors Offer Financing
Close More Jobs
When monthly payments are visible, price objections drop. Contractors see 37% higher close rates on quotes with financing options.
Bigger Job Sizes
Homeowners upgrade when they see affordable payments. Average job size increases $4,200 when financing is offered.
Faster Decisions
No “let me think about it.” Homeowners get instant approval and can sign on the spot. Close deals same-day.
Zero Risk
You get paid in full by the lender. No collections, no chargebacks, no payment plans to manage. The lender handles everything.
Multiple Lenders, More Approvals
BuildFolio connects to multiple financing partners so more homeowners qualify. If one lender declines, others may approve.
Lender Highlights
- Credit scores 580+ — Not just prime borrowers. Fair credit options available.
- Loan amounts $1,000-$100,000 — Small repairs to major renovations.
- Terms 12-180 months — Flexible terms to fit any budget.
- 0% APR promotional options — Some lenders offer same-as-cash periods.
- Unsecured personal loans — No home equity required for most options.
Lenders include GreenSky, Mosaic, Wisetack, Hearth, and others. BuildFolio shows the best available options for each homeowner.
You choose which lenders to offer
Enable or disable specific lenders based on your preferences. If you’ve had issues with a lender’s funding times, turn them off. BuildFolio puts you in control.
BuildFolio vs Other Financing Platforms
vs GreenSky Direct
GreenSky charges 5-15% dealer fees that eat your profit. BuildFolio connects to GreenSky (and others) with $0 dealer fees through our contractor network volume.
vs Wisetack / Hearth Standalone
Wisetack and Hearth are great lenders, but they’re separate apps. BuildFolio embeds financing directly in your quotes—one system, one workflow, one login.
vs ServiceTitan Financing
ServiceTitan charges $200-500/month PLUS dealer fees. BuildFolio Pro is $39/month with zero dealer fees and financing included.
vs No Financing
Contractors who don’t offer financing lose jobs to those who do. Every “I need to save up” is a competitor’s opportunity.
Frequently Asked Questions
Are there really no dealer fees?
Correct. BuildFolio has negotiated zero-dealer-fee programs with multiple lenders through our contractor network volume. You receive 100% of the project amount—the homeowner pays interest directly to the lender.
What credit scores qualify?
Most lenders accept 580+ credit scores. Some prime lenders require 640+. BuildFolio shows each homeowner the options they qualify for based on a soft credit pull.
How fast do I get paid?
Most lenders fund within 1-3 business days after project completion verification. Some offer same-day ACH for established contractors.
Does the homeowner need home equity?
No. Most financing options are unsecured personal loans. Homeowners don’t need equity, and there’s no lien on their property. HELOC options are available for larger projects if preferred.
Can I offer financing on any job size?
Yes. Loan amounts range from $1,000 to $100,000+ depending on the lender. Small repairs, mid-size projects, and major renovations all qualify.
What if the homeowner is declined?
BuildFolio automatically checks multiple lenders. If one declines, others may approve. You can also offer deposit + payment plans as a fallback for customers who don’t qualify anywhere.
Is financing included in BuildFolio Pro?
Yes. One-click loan applications are included in BuildFolio Pro ($39/mo). No additional fees, no per-transaction costs. Use it on every quote.
Stop Losing Jobs to “I Need to Save Up”
Let homeowners finance their project with one click. Close more jobs, at higher values, with zero dealer fees.
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