Ask a Portland remodeler where the lost weeks go and financing lands somewhere just behind the permit counter. A lender who takes two weeks to decide has taken a slot in your dry season with them. We answer while you are still sitting at the kitchen table. That is the whole pitch, and it is why cash keeps arriving here while the jobs actually run.
Stay ahead of your competition with the most powerful financing program in the industry.
We opened in 2012 because the market had plenty of lender directories and very little else. What grew instead was a group of merchants and lenders with a genuine stake in how the other performs. Three decades of consumer financing for merchants sits underneath it. None of the guidance or the one-on-one support carries a fee.
The best contractor home improvement financing available today!
Fund My Contract is the fast, easy way to
finance your customers
A quote somebody admires and cannot act on is still a quote you lost. Around here that accounts for most of what dies between the walkthrough and the signature. Fund My Contract gives Portland homeowners a dependable way to finance their renovations and get moving, so more of your estimates turn into invoices and more of those clients call you again when the next room needs attention.
There is daylight between wanting a renovation and being able to buy one outright. Our programs sit in that daylight. Hand a household term they can shoulder and the conversation stops being difficult. Jobs finish. Your month stops hinging on who happens to be sitting on cash.
Work stalls the moment somebody is told the full figure is due before a single tool comes out. Frustration on their side, lost follow-on work on yours, and a project parked for six weeks while both parties wait for nothing in particular.
Payments over time undo that knot. The homeowner starts without gutting an account and you fill a slot that would otherwise have sat empty.
One application. One platform. Answers that arrive the same afternoon. Your office stops drowning in forms and the crew spends more of the day on billable work.
Bids get decided on whether somebody can picture the payment, not on how elegant your proposal looks. Give them a monthly figure built around what they earn and the dithering ends. A remodel shifts from someday to a date on the calendar.
Financing nudges contractors up a tier. Homeowners buy the version they actually wanted rather than the one they could scrape together, and bigger jobs give you somewhere to demonstrate what the crew can do. Repeat work tends to start with a job like that.
Build around the budget and the project stays alive. Rates hold steady, the schedule is something a person can follow, and the installment does not start arguments over dinner. Promotional plans widen it further. Spread a total across enough months and the payment lands somewhere a bank would rarely take it.
Very few Portland households can absorb a remodel in a single payment. Doing it takes the rest of the year down as well. Even an itemized estimate reads as heavy when the bottom line sits above what somebody had privately imagined.
Monthly amounts change the shape of the problem rather than the price. Pressure drops. People commit. The rate is fixed, so the number never wanders, and a family can plan three years out without watching interest rate news.
Clients also reach a panel of lenders who do nothing except home improvement financing. Interest is fixed and the schedule is written down before anybody signs, so repayment can be shaped around whatever else the household is putting money toward.
Terms matter and so does speed. Decisions come back quickly rather than after two weeks of silence, which means the client answers while the project still feels pressing to them.
Banks and credit unions read the credit score and consider the matter settled. Portland homeowners who land under the line cannot finance work the house genuinely needs. Our lenders look at employment history, what debt is already there, how somebody would prefer to repay, and the real budget for the job.
A strong score helps without being the price of entry. Applicants down to a 550 FICO may qualify, which brings back families who were already turned away somewhere else. Read the whole file and most people turn out to be perfectly financeable.
Nobody builds a Portland contracting business by underbidding the next guy. Put a repayment schedule in front of a client that they can follow and the hesitation dissolves on its own. Budgets hold, the work steadies, referrals arrive, and your name starts moving through the neighborhoods you want to be working in, helping you expand your presence in the community. Fund My Contract gives you practical tools to turn customer payment plans into a way to build trust and land bigger jobs.
Contractors who offer payment plans hold a fuller calendar and grow without overreaching. Clients loosen up, billing gets simpler, and more work opens up behind the first job. You stop being one of three quotes on the counter and start being the one they phone for an opinion.
Explaining financing clearly is harder than most of the building. Our platform takes that weight. Two or three repayment options, written so a homeowner can see what each genuinely costs, and nothing lurking in the last paragraph.
It bolts onto how you already work. A link on the site, or the payment written straight into the bid. Homeowners read the option that matches their budget and answer without two weeks of emails.
Portland contractors end up steering the money side as well as the build. You gather the documents, check the details, and make sure the application is right before it goes anywhere. It shortens approval and earns trust that surfaces again the next time something needs doing.
Our programs suit families across very different income levels, which counts in a city where a single street can span three tax brackets. The homeowner stops feeling cornered by the price and you get on with the build instead of fielding money questions at eight in the morning.
Everything sits on one screen. Go through the repayment schedule and the interest rate using words the client already uses, and answer the question before it gets asked. Homeowners who understand the arrangement cause far fewer problems in month two.
Approval means the job is funded and materials can be ordered. Nobody is waiting on a deposit that might not come, and nobody has to raise an awkward subject in week three.
Clients who are not counting pennies make better clients. Securing the funds stops being your problem, the structure is already set, and the remodel stops being the thing keeping somebody awake at two in the morning.
Payment plans are becoming table stakes in Portland remodeling. Offer them and homeowners green-light jobs that have been sitting in a drawer for two years. Walk them through the terms, keep them posted while the work runs, and the referral turns up without you asking for it.
Fit the financing to the household and your attention goes back where it belongs. Communication stays straightforward and the job holds its shape from first drawing to final invoice.
“Want to get this done without watching your savings disappear? We can spread it across payments you choose.”
“The kitchen could be finished by fall, paid monthly instead of all at once.”
“Waiting another year won’t make it cheaper. Financing means we start when you’re ready.”
“If the only problem here is the number, that’s a solvable problem. Let’s build a plan around it.”
“Your house shouldn’t stay as it is because of one figure on a quote. There are other ways to pay for this.”
Put these in your own words before you use them. A line that sounds like you will always beat a line that sounds like a script.
Get started today and set your business apart from the competition!
Ambition is not what Portland homeowners are short of. A way to pay for it in one lump is. Even a price that is entirely fair for this market gives people pause when the whole figure lands at signing, so the job slides to next year or goes to whoever quoted lowest. That second route usually costs more by the time it has been done twice.
Break the cost into monthly amounts and the objection stops being an objection. You are putting something in front of a household that they can genuinely carry, which is where confidence comes from. The calendar fills, the work gets finished properly, and nobody is left staring at a five-figure invoice.
Trust signs contracts and it keeps paying out long after the last invoice clears. Large upfront numbers eat at it, nudging people to postpone work they already know is necessary. Offer clear financing and the same conversation runs in the other direction. Smaller monthly payments, quicker approvals, cash flow you can rely on, and an answer the next bidder does not have.
Our lending partners build programs around what metro households actually manage from month to month. The lump-sum obstacle disappears and people commit to work they have been circling for a year or more. Terms flex, installments stay structured, and qualifying clients can add same-as-cash or no-interest promotional periods. Approvals rise and the schedule keeps moving.
A bank means forms, two weeks of silence, and a decision that might still go badly. Somewhere inside that silence the homeowner talks themselves out of it. Meanwhile you are shuffling crews and sitting on material orders nobody has confirmed.
We come back in minutes. The doubt never gets a chance to settle, the client commits while you are still on site, and you move from one job into the next without a hollow week in the middle.
Approval to money in the account is usually a few days. Nothing to chase and nobody to call twice. Payment reaches you directly as invoices fall due, which makes cash flow something you plan against rather than hope for, while the homeowner repays in monthly amounts that suit them. Have more questions? Visit our financing FAQs or contact our team.
Fund My Contract is the fast, easy way to
finance your customers