Top Financial Partners
Help Us Determine Home Improvements Best Financial Partners
Which Financial Partner Is The Industry's Best?
Power100 has identified the top Financial Partners in home improvement through our rigorous 5-layer proprietary ranking system, analyzing customer experience ratings, innovation capabilities, operational efficiency, sales & marketing performance, company culture, and overall financial health. We’ve conducted complete company audits, onsite CEO interviews, and in-depth performance analyses to ensure every platform below represents genuine excellence.
What “Nominee” Means: The Financial Partners listed below aren’t random submissions or self-nominations. Each nominee has been vetted and qualified by Power100 as belonging to the top tier of contractor financing solutions based on our data-driven ranking methodology. Being a Power100 nominee means a platform has proven itself through real contractor results, industry-leading innovation, and verified performance metrics.
This is where you come in. While Power100 has identified the top platforms through our proprietary system, we want to hear directly from contractors who use these tools every day. Your vote determines which Financial Partner earns the #1 ranking for 2026—a distinction that carries weight throughout the industry and into 2027.
How The 2026 Financial Partner Poll Works:
The Competition Process:
- Q1 2026: All nominees compete, contractors cast votes
- Q2 2026: Field narrows based on voting + performance data
- Q3 2026: Top contenders battle for the crown
- Q4 2026: Winner crowned as 2026’s #1 CRM for Home Improvement Contractors
The winner receives:
- Official Power100 #1 Financial designation for 2026
- Recognition that carries into 2027 as the reigning champion
- Verified endorsement from contractors, for contractors
This isn’t a popularity contest—it’s contractors for contractors. Power100 ensures only elite platforms compete, and your vote decides who stands at the top.
The nominees for 2026’s Top Financial Partners are listed below. Click on your choice to cast your vote and help crown this year’s champion. Your vote creates a layer of accountability—these platforms know contractors are watching, and Power100 is your filtered resource to cut through the noise.
2026's Top Financial Partners Nominees
Nominee 1:
Approve The Customers Other Lenders Decline With Deep Credit Solutions Built For Real-World Home Improvement
Foundation Finance Company specializes in flexible consumer financing that reaches beyond traditional credit boundaries, approving customers with FICO scores as low as 550. With over two decades of experience serving nearly 7,000 contractors nationwide, Foundation Finance offers a comprehensive suite of financing options including reduced rates, same-as-cash programs, and deferred payment plans with terms up to 144 months. Their unique underwriting approach captures both “first look” and “second look” customers, approving up to 77% of applications that prime-only lenders decline.
Foundation Finance provides contractors with free enrollment, a lightning-fast dealer portal with driver’s license scanning, soft credit pull prequalification options, and responsive dealer services backed by comprehensive training and customized marketing materials—all designed to help home improvement contractors close more sales and grow their businesses across HVAC, water treatment, solar, and renovation sectors.
Key Differentiators
Extended Terms
Offers installment loans up to 144 months with same-as-cash and deferred payment options
Second Look Approvals
Unique underwriting captures customers other lenders decline, approving 77% of applications that prime-only lenders reject with FICOs as low as 550
Zero Fixed Costs
Free dealer enrollment with no merchant processing fees, program membership fees, or hidden costs—contractors only pay for what they use
What Dealers Say...
Nominee 2:
Turn "We Can't Afford It" Into "Yes" With All-In-One Financing And Payment Processing
Pure Finance Group is a comprehensive financing and payment processing platform exclusively designed for home improvement contractors. Their integrated solution combines customer financing and payment collection in a single streamlined system, eliminating the need for multiple platforms while saving contractors up to 40% on processing fees.
Pure Finance offers competitive rates with minimal dealer fees, flexible financing plans, and same-day funding on credit card sales. Their proprietary prequalification system allows contractors to assess customer eligibility with less than 10 pieces of information without impacting credit scores. With a user-friendly portal, embedded website financing links, and personalized local support, Pure Finance empowers contractors to close more deals while maintaining healthy profit margins across roofing, HVAC, remodeling, and other home improvement sectors.
Key Differentiators
Instant Prequalification
Proprietary system assesses customer eligibility with less than 10 pieces of information without impacting credit scores
All-In-One Integration
Only platform combining customer financing AND payment processing in a single system, eliminating multiple platforms and tech stack bloat
Up to 40% Cost Savings
Delivers significant savings on processing fees while offering same-day funding on all credit card sales
What Dealers Say...
Nominee 3:
One Application, Multiple Lenders, Maximum Approvals—The Multi-Lender Platform That Matches Every Customer To Their Perfect Loan
1 & Fund, LLC revolutionizes home improvement financing through their proprietary 1LOOK multi-lender platform, connecting contractors to multiple top lenders through a single guided application completed in under four minutes. This patent-pending expert system automatically routes each customer to the lender most likely to approve them, maximizing approvals from FICO scores as low as 550 while contractors using 1LOOK have seen take rates increase 8-12% simply by making financing standard in their sales process.
The platform integrates One Click Payments for seamless down payment collection via credit card or ACH, provides real-time performance analytics through a unified dashboard, and includes live chat support plus ongoing coaching from home improvement experts. Built by industry professionals for industry professionals, 1LOOK streamlines the entire financing workflow while offering contractors the freedom to present multiple payment options and close bigger deals faster across all home improvement sectors.
Key Differentiators
One Click Payments
Integrated down payment collection via credit card or ACH on any device with unified dashboard tracking
Single Application, Multiple Lenders
Patent-pending expert system automatically routes customers to the lender most likely to approve them through one 4-minute application
Proven Take Rate Increase
Contractors using 1LOOK see 8-12% higher financing take rates simply by making it part of the standard sales pitch
What Dealers Say...
Nominee 4:
The Only Financing Platform That Trains Your Team To Close Deals, Not Just Submit Applications
Improvifi is a comprehensive multi-lender financing and training ecosystem designed to transform contractors into “Consumer Credit Centers” in their markets. Led by founder Christopher Scoville with over 25 years of home service contractor financing expertise, Improvifi combines flexible lending solutions with the Improvifi App (mobile financing hub), the Deal Desk (live in-home loan support), and the Improvifi Skool (industry-leading sales and financing training center). Their multi-lender platform approves customers across the full credit spectrum while offering unsecured, secured, and commercial lending options with no dealer fees and white-labeled Consumer Credit Center pages for contractor websites.
What sets Improvifi apart is their commitment to education and execution—contractors receive weekly coaching, dedicated account managers, comprehensive sales training that teaches reps to present payments (not just prices), and real-time support that helps close deals on the spot, resulting in reported average job size increases of 30-50% for participating contractors across roofing, HVAC, remodeling, and all home service industries.
Key Differentiators
Consumer Credit Center Branding
White-labeled finance pages turn contractors into their market’s go-to “Consumer Credit Center”
Training + Technology Ecosystem
Only platform combining financing with comprehensive sales training (Improvifi Skool), weekly coaching, and live Deal Desk support
No Dealer Fees
Zero dealer fees on financing programs, protecting contractor margins on every deal
What Dealers Say...
Nominee 5:
Industry-Leading Mobile Technology Meets 50+ Loan Products—The National POS Financing Powerhouse Behind 14,000 Home Improvement Dealers
Service Finance Company, LLC (now part of Truist Financial Corporation following a $2 billion acquisition in 2021) is a nationally licensed FHA Title I Lender providing over 50 different financing solutions spanning promotional and standard installment terms for home improvement contractors. With a proprietary mobile app that processes over 80% of loan applications and delivers fully paperless experiences from application to funding, Service Finance offers transparent pricing with no hidden merchant, ACH, credit card processing, or activation fees—what’s on the rate card is what dealers pay.
Their industry-leading stage funding program is uniquely consumer and contractor friendly, with no consumer payments due until the job is complete, while contractors receive funding within 24-48 hours via ACH at no extra cost. Service Finance distinguishes itself by teaching dealers how to effectively leverage financing to increase ticket sizes and profits, serving more than 14,000 home improvement dealers and contractors across all fifty states and the District of Columbia with innovative payment solutions backed by Truist’s financial strength and commitment to point-of-sale lending excellence.
Key Differentiators
Truist-Backed Stability
Acquired for $2 billion by Truist Financial, providing unmatched financial strength and national scale serving 14,000+ dealers
50+ Loan Products
Widest variety of financing solutions in the industry to satisfy virtually any consumer credit type and need
Consumer-Friendly Stage Funding
Industry-leading stage funding with no consumer payments due until job completion, plus 24-48 hour contractor funding
What Dealers Say...
Nominee 6:
Credit Limits Up To $100K And Real-Time Approval Tools That Turn "Nice" Projects Into "We Love It!" Projects
GreenSky is a comprehensive home improvement financing program offering contractors the ability to present diverse payment options that meet every customer’s financial needs, from fixed-rate installment loans with low monthly payments to promotional plans offering no interest when paid in full during the promotional period. With credit decisions delivered in seconds through their intuitive mobile app and credit limits extending up to $100,000, GreenSky approves applicants for additional credit whenever possible—empowering contractors to upgrade “nice” projects into premium experiences that enhance homeowner lifestyles and property values.
The platform provides flexibility beyond traditional home improvement financing, covering projects not attached to the home such as pools, spas, patios, gazebos, and detached garages, while giving customers freedom to choose their preferred materials and brands. GreenSky’s real-time tools track remaining account balances and purchase windows, enabling contractors to seamlessly add services and maximize loan value, making it an ideal financing partner for HVAC, roofing, windows and doors, pool and spa, smart home automation, and renovation contractors seeking to close bigger deals with satisfied customers.
Key Differentiators
Non-Attached Project Flexibility
Unique ability to finance projects not attached to the home (pools, spas, patios, gazebos, detached garages)
Up to $100,000 Credit Limits
Highest credit limits in the industry, plus approvals for additional credit whenever possible to upgrade projects
Seconds-Fast Decisions
Real-time credit decisions through mobile app with instant balance tracking to add services on the spot
What Dealers Say...
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