The Ultimate Guide to Offering Financing

We see the hands of a contractor who offers financing points to the contract as his client signs it. A hard hat is in the background.

Has this ever happened to you? You’re trucking along on a project and gearing up for the next phase, and everything grinds to a halt. You can’t get your client to get you your next stage of funding. Now you’re stuck. Or, you have a great meeting with a client. You’re ready to book the job, but you find out they can’t get the funding. These scenarios can be a thing of the past when you offer contractor financing. Are you lost on where to begin? That’s not a problem. Let’s fix that with the ultimate guide to offering financing. 

Why would I offer financing?

The Ultimate Guide to Offering Financing

First things first, why would you even want to offer financing? It may seem like an extra task for you with all the other things you have on your plate, but there are a ton of reasons why you might want to. For one thing, contractor financing gives you a leg up on your competition. When you’re meeting with clients who want to get started on their next home improvement project, there’s nothing that’ll turn potential customers into new clients faster than you saying, “I can offer you financing.” If your potential clients are considering any other contractor, financing is absolutely going to be the thing that sets you apart from the competition.

You instantly become the one-stop shop. Your customers won’t need to seek financing elsewhere, so there will be no need for reaching out to anyone else for them. By providing financing, you’ve just upped the convenience factor, and we know that clients like convenience. You can take care of everything your client needs when you offer contractor financing, and it’s a really great way to seal the deal


Four stacks of coins increasing in size have small seedlings growing from the top.

Also, did you know you can get paid faster? Seriously. When you partner with the wonderful people at HFS Financial (we’re great, really), you get the money you need up front. There’s no stage funding. There’s no waiting to get to a certain point in the project. There’s no waiting on another loan company or bank. There’s not even waiting on your own client. With no stage funding, your customer receives the full amount before the project begins, which means they can make sure you have the full amount as you begin your work. It’s a win-win for everyone, and you definitely get paid.  

There are other advantages, too. Your clients are more likely to use your services again if they know you make the financing easy. With financing, you can work faster. When you offer contractor financing, you don’t have to wait around for funding to come through. Working faster means more business, and more business means more success. 

How do I offer financing?

A blue piggy bank with dollar bills in the top sit on top of blue prints

At this point, you may be thinking, “All of that’s great, but how do I offer financing?” We’re so glad you asked. It’s fairly straightforward and simple, really. You’ll want to make sure you partner with a company that is proficient and experienced in offering financing for contractors. We think it’s safe to say HFS Financial is both of those! You’re in good hands when you choose to partner with us. Here are some other practical applications for how to go about offering financing. 

For example, when should you even mention that you offer contractor financing? Most of the time you’ll know exactly when the moment comes to mention contractor financing to your client. They’ll bring up the topic of financing, or you’ll notice an opportune time to discuss it. The only rule is that you should probably bring it up before the initial conversation is done. Other than that, it’s really fair game. 

Money Talks, Plain and Simple

A general contractor in a suit hold an orange hardhat filled with stacks of cash

Another concern you may have is in the potential difficult conversations about money. You can put your mind at ease when you work with HFS Financial, because that’s a highly unlikely scenario. The most important thing to keep in mind is that your expertise is building and construction, so you don’t have to worry about discussing all the nuances of funding and financing and dollars. You only need to mention that you offer financing. All you do is point your clients in the direction of your expert partner HFS Financial, and we’ll handle the rest. 

And speaking of pointing your clients to us, we’ve made that simple, too. When you decide to partner with HFS Financial to provide the best financing options for your customers, you can simply add a widget to your website that can direct your clients to our super easy 60-second loan application process, and they’re off to the races with a simple click of a button. They get their loan options to finance their next dream project. You get the money you need to make it happen. 

Why HFS Financial?

Two arms bumping fists over a table with papers spread around. One arm is wearing a flannel work shirt. The other arm is wearing a suit.

Ultimately, offering contractor financing for your clients is a decision you can’t afford to ignore. This is one reason we’ve made it all so easy for you. The easiest way to offer financing to your customers is with the experts at HFS Financial. There are only great reasons to make that leap. You can earn more clients. You can have more satisfied customers and grow your business with the simple and easy decision to partner with HFS Financial. 

HFS Financial offers the best contractor financing for customers, period. The process is simple and easy and designed to greatly benefit you and your client. We’re flexible and find great options for the needs of each individual client so that you can get your job done right. We know what matters and what’s most important to you and your customers, and we have all the experience you need. When it’s time to get the job done and make your clients’ dreams come true, you won’t ever regret partnering with HFS Financial when you offer contractor financing. 

So, what are you waiting for? Offering financing for your home improvement clients can be as quick as your contractor application. How will you stand out from the crowd? It could be with great contractor financing. The easiest way to know you have the best contractor financing is by partnering with HFS Financial. “You Dream It, We Finance It.”

The Ultimate Guide to Offering Financing

HFS Financial solely operates in the home improvement lending space which means we can confidently say that we are THE HOME IMPROVEMENT LOAN EXPERTS. When you apply at HFS Financial you will get a customized loan experience tailored to ensuring you get the best personal loan to meet your home improvement loan needs.