But My Customers Pay Cash: An Intro to HFS Financing
If you’re a contractor who’s built your business on cash-paying customers, you’re not alone. In fact, many contractors have been doing great work for years without ever needing to think about offering financing.
But what if that mindset is actually holding your business back?
At HFS Financial, we talk to contractors every day who start the conversation with the same line:
“But my customers pay cash.”
And sure—they do.
But offering financing isn’t for the customers who pay cash.
It’s for the ones you’re not getting.
Why Financing Matters (Even If Cash Is King)
Let’s say you’re quoting a $45,000 backyard remodel. Your customer loves the design. They’re excited. Then—they hesitate.
Not because they don’t want the work—but because in times like these, writing a $20,000 deposit check or pulling $45,000 from savings just doesn’t feel smart. Or possible.
Now imagine being able to say:
“We work with HFS Financial to offer low monthly payments—no collateral, no stage funding, and no impact on your credit score to check your options.”
That changes everything.
You just turned a $45,000 “maybe” into a “yes.”
What HFS Does (and Why It’s Different)
HFS Financial connects homeowners to personal loans built specifically for home improvement projects. That means:
- No home equity required
- No contractor fees or dealer setup
- Loans up to $325,000
- Terms up to 20 years
Here’s a powerful advantage:
Your customer can combine multiple backyard projects into a single loan. That means they don’t have to choose between the pool or the pergola—or the new fence or firepit. They can do it all at once.
Customers apply through a simple online form.
You don’t need a license. You don’t handle paperwork.
You just get paid when the job starts—on your terms, just like cash.
But I Don’t Want to Push Financing…
You don’t have to.
Offering financing isn’t about selling—it’s about giving your customer options. If they want to pay cash, great. If they’d rather spread out payments, you’ve got a solution.
And here’s the kicker:
Customers who finance usually spend more.
They’re not limited by what’s in their bank account. They’re thinking about what’s possible.
And you’re not in this alone.
HFS is your partner. We’ll show you how and when to talk about financing with your customers. Plus, we provide marketing support and technology—at no cost to you.
How to Get Started (No Cost, No Catch)
Partnering with HFS is free. We don’t charge contractors to offer financing. There’s no setup fee, no dealer agreement, and no complicated onboarding.
You’ll get:
- A custom pre-qualification link
- A contractor portal to track leads
- Marketing materials (if you want them)
- A dedicated support team to help you succeed
No risk. No cost. Just more opportunities.
Final Thought
If every customer you’ve had paid in cash—congrats. That’s a solid foundation.
But if even one customer walked away because they couldn’t swing the full price up front, that’s money left on the table.
With HFS Financing, you’re not changing how you do business.
You’re just offering more ways to win.
Want to learn more?
Click here to connect with our team and see how simple it is to get started.
