Welcome to HFS Financial!

Are you ready to get paid on your schedule instead of the bank’s? 

Here at HFS, we don’t only exist to help homeowners find financing to bring their dreams to life. Our mission is also to help contractors get paid easier, reach more customers by offering financing, and build their businesses. 

How does it work? We team up with contractors, home improvement experts, pool builders, home renovators, remodeling contractors, and more. “Offering contractor financing” sounds complicated, but it’s dead easy. You don’t have paperwork to fill out or a complicated process to walk through — we handle all of that part! 

When you send your customers to HFS Financial for financing, you can be sure they’re in safe hands. We offer:

  • No Stage Funding – Loans Fund 100% Up-Front
  • Rates as low as 2.99%
  • Terms to 20 years
  • Loans up to $500,000

That’s right — no stage funding. After working with contractors for so long, we know what a game-changer that is. The whole project funds direct to the customer, up-front. 

And, we offer financing for ANY home improvement. From backyard pools to new bathrooms and kitchens, new roofs to solar panels, we offer financing for it all. Whatever your customer is dreaming of … You Build it. We Finance it.

Already offer HFS?

With HFS Financial’s unique no stage funding model you will now get paid 100% on YOUR TERMS and on the draw schedule you want.

Sick of getting paid at the end of the job? Tired of floating your money until the lender pays you? Is it frustrating to work with financing firms that are slow, give bad loans, and do not work hard for you and your customers? Enter HFS, where we’re your partner and we work with you to ensure your customers get the best loans and service in the industry.

Customers can finance ANY home improvements whether inside the home, or out.
HFS makes your customers CASH BUYERS.

Contractor News

Welcome to the HFS Financial Contractor Network

Best-in-Class Customer Financing for Contractors

Tired of lenders telling you how loans will fund? Annoyed with bad service for you and your clients? Looking to try a new lending source? HFS Financial is your answer to these questions and more. With industry leading rates, terms, and loan amounts you and your customers can enjoy, HFS Financial is your best-in-class loan service and financing model for any home improvement project needs. Loans fund 100% up-front, with no stages. HFS has become synonymous with award-winning customer service as evidenced by our thousands of strong customer and contractor reviews.

HFS: Customer Benefits

HFS: Contractor Benefits

What contractors can offer home improvement financing through HFS Financial?

Partnering with HFS Financial is easy! Just sign up and we’ll be in touch. Offering loans to your home improvement customers couldn’t be easier. Just add our widget to your website and start having customers apply. All they have to do is fill out our quick and easy online application, and they’re mere steps away from getting that loan for their new home improvement project. And you, contractor, are one step closer to landing more jobs and getting paid faster than ever, with no-hassle customer loans through HFS Financial.

How the Loan Process Works

Step 1.

Apply For A Loan

Does NOT affect your credit, get same day answers

Step 2.

Speak To A Loan Consultant

Get instant loan answers OR speak with a loan consultant

Step 3.

Provide Documentation

Securely upload some basic documents for loan verification

Step 4.


Most loans fund within 48 hours

Get Financed with HFS!

*Does not affect credit