How Home Improvement Financing Works - Foundation Finance

How Home Improvement Financing Works

Home improvement financing makes renovations and repairs more accessible and affordable for your customers. But how does it work and how does it help your business and customers?

The Need

In an ideal world, homeowners can estimate when they鈥檒l need a new roof, windows, or other work done on their home and can plan accordingly. However, storms and accidents can cause damage before the expected lifetime ends or other unexpected expenses can cut into the home repair and upgrade budget. Whatever the circumstances, home improvement financing can cover all or part of the cost of your customer鈥檚 project.

Your Benefits

Offering financing enables you to serve a broader market and can be the deciding factor when a customer isn鈥檛 sure whether they would like to move forward with a project. Utilizing special rates and promotions can also help you attract new customers who are interested in options such as deferred payments or reduced payments for the first year.

What Can Be Financed?

Different companies offer financing for different markets. Some cover very specific niches while others offer financing for a wider umbrella of home improvement and renovation needs. For example, Foundation Finance offers consumer financing for windows, roofing, siding, remodeling, water treatment, HVAC, turf, and more.

Second Look Financing

Because some companies work with broader ranges of customers while others have a specific niche or limited credit profile they work with, you may find that working with multiple finance companies gives you more benefits and a better opportunity to serve your customer base. Consider enrolling with 2-3 different financing companies so you can match your customers with the option that鈥檚 best for them.

Foundation Finance鈥檚 Process


You can offer your customers financing through companies such as Foundation Finance by enrolling as a dealer. Once approved, you鈥檒l have access to submit credit applications for your customers. Foundation Finance also provides you with a credit application link you can send your customers to fill out themselves.

Once we receive your customer鈥檚 application, it will either be instantly approved (low-risk credit profiles) or assessed by one of our credit specialists. You can then offer approved customers rates and terms based on their creditworthiness and risk factors.

You have the option to purchase special promotions and APRs for your customers to attract additional business or keep it simple with the free financing option. Should they accept their financing offer, you and your customer fill out and submit the loan documents.

When you complete the job, we鈥檒l contact your customer to verify the work is done and disperse the funds to you via ACH deposit. Then, according to their terms and promotions, you customers make easy monthly payments to us instead of paying a large lump sum up front.

Interested in learning more about home improvement financing? Check out the become a dealer page or contact us for more info:聽1-855-241-0024, [email protected].


You can build on us. Enroll today in the Foundation Finance dealer network.

Note: Use of the terms "Loan," "Lender" and "Borrower" is for ease of reference only. Financings are in the form of retail installment contracts ("RIC").

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