- One Simple App
- Completely paperless
- Instant approvals and fast funding
- Approvals up to $100,000*
- APR starting 2.99% *
- Up to 15 year terms*
- Approvals to LOW FICO SCORES (550 FICO)*
- Low Merchant Fee Regardless of Credit History
*varies by vertical market
Stay ahead of the competition with an industry-leading tiny house financing program designed to help your business grow faster and close more sales.
Founded in 2012, Fund My Contract delivers more than access to leading lenders and advanced financing technology. We are a growing network of merchants and lending partners committed to creating long-term value together. Backed by more than 30 years of experience in Point-of-Sale Consumer Financing, we provide complimentary coaching and consultation designed to help businesses increase sales efficiently and confidently. By offering financing solutions that make products and services more accessible to customers, businesses can strengthen long-term stability while improving customer satisfaction and encouraging repeat business and referrals.
Fund My Contract is the fast, easy way to
finance your customers
Home improvement financing through Fund My Contract gives your Charlotte, North Carolina contracting business a stronger opportunity to grow and succeed by allowing customers to choose financing options that fit their individual financial situations. Because you understand the needs of homeowners in Charlotte, your business is in the best position to reduce the financial barriers that often prevent customers from moving forward with important renovation projects.
Partnering with a financing company like Fund My Contract allows your Charlotte business to take greater control over developing financing programs that help homeowners comfortably move ahead with the upgrades and improvements they need completed.
Our network of third-party lenders works directly alongside your business to create a range of financing solutions designed to meet customer expectations and support long-term business growth. Each financing option is structured to provide homeowners with a more manageable alternative to making a single large upfront payment.
The financing solutions you provide to customers should help make home improvement costs easier to afford and more manageable over time. Many homeowners want to move forward with remodeling projects, repairs, or upgrades, but do not have immediate access to the funds needed to pay the full cost upfront. As a result, projects are often postponed indefinitely while customers wait for the financial flexibility to proceed, which can also slow down opportunities for your business to grow.
There is no reason for your customers or your business to continue waiting. Financing plans that allow homeowners to move forward with projects through affordable monthly payments can make services far more accessible. By spreading the cost over time, customers are better able to fit important home improvements into their existing budgets while your business benefits from increased project opportunities and stronger sales growth.
Homeowners want flexibility when it comes to paying for home improvement projects. They also want confidence that they are receiving strong value, competitive rates, and practical financing options for the work they need completed. When customers are left with only a few borrowing options, they are often pushed toward expensive financial products such as high interest credit cards, unsecured personal loans, or home equity lines of credit offered through traditional banks and credit unions. In many situations, customers ultimately feel forced to use personal savings to cover project costs because they cannot find a better alternative.
Your customers already trust your business because you provide reliable and cost-effective solutions for their home improvement needs. By offering financing programs through Fund My Contract, you continue building on that trust by giving homeowners access to financing solutions that may include rates more competitive than standard credit card APRs and fewer costs than many traditional home equity loans or unsecured lending products.
Our network of third-party online lenders provides financing plans that may feature attractive interest rates for qualified borrowers with strong credit profiles. Businesses can also choose to offer promotional financing programs with fixed interest rates that remain available for a limited promotional period.
These financing opportunities often encourage customers to move forward with projects more quickly and confidently, helping them secure the services they need while increasing revenue opportunities for your business.
Another advantage customers gain through financing programs offered by our third-party lender network is increased flexibility in repayment options. You work directly with your selected lender to design financing solutions that align with your customer base, and in many cases, homeowners may require additional time to comfortably repay the financing used to complete their home improvement projects.
Providing financing options with flexible loan terms is an effective way to reduce hesitation and help customers feel more confident when selecting your contracting services. Even when your pricing is competitive, your workmanship is high quality, and your financing programs make projects more affordable, customers are not always persuaded by low monthly payments and favorable interest rates alone.
Flexibility plays a key role in helping customers feel secure in their decision to proceed with a home improvement investment. It provides peace of mind and often encourages customers to invest in larger projects, knowing they have more time and manageable terms to pay for the work regardless of project size or loan amount.
Contractors who want to offer financing often choose to work with a third-party provider such as Fund My Contract rather than acting as the direct lender themselves because financing solutions are designed to reduce the financial and administrative burdens that typically come with running a contracting business and trying to scale operations.
When contractors self-finance projects, they become responsible for extending loan funds directly to customers and managing repayment collection on their own. This places the contractor in the position of acting as both service provider and lender, which can quickly become challenging, especially for businesses that already deal with delayed payments, outstanding invoices, and inconsistent cash flow from clients who do not always pay on time.
There is no need to take on this additional responsibility when an alternative exists. By partnering with a service finance company like Fund My Contract and leveraging our third-party lender network, the financing process is handled end to end, from application through funding, allowing contractors to focus on their core business while lenders manage repayment and loan servicing.
All you need to focus on is continuing to grow your Charlotte business by delivering high quality service and ensuring your customers are satisfied with the results. When a homeowner applies for one of your financing programs, the lending partner associated with the program manages the application process and, once approved, provides the funding for the project.
After your business completes the work, you receive full payment upfront. This allows you to get paid quickly and in full, while the customer repays the lender directly through fixed monthly installments that are structured according to the approved financing terms.
Once the project is finished and your business has been paid in full, your involvement in the financing agreement is complete, allowing you to move on to the next opportunity without ongoing collection responsibilities.
That depends on the financing arrangement you implement with your lender network. Our partners work with you to develop programs that best match your customers’ financial needs while making your services more accessible. These financing solutions are designed to increase affordability and customer purchasing power, helping more homeowners move forward with projects. You may be able to provide lower monthly installment plans, flexible repayment structures, and promotional interest rate offers for qualified borrowers.
Credit approval is typically completed within seconds, allowing customers to move forward with their projects quickly. The application process is simple and requires the customer to provide basic personal details along with the requested unsecured loan amount and intended use of the funds. While credit score and credit history are part of the evaluation, lenders also consider additional factors such as employment history and debt to income ratio. This broader assessment can allow for same day funding approvals in many cases, whether the project is small, large, or anything in between.
No, the initial application involves only a soft credit check, which does not affect the customer’s credit score. Once the customer selects a financing program and proceeds with the lender, a hard credit inquiry is conducted, and this may have an impact on their credit profile.
Fund My Contract works with a diverse network of online lenders, including partners who specialize in assisting customers with complex or less-than-perfect credit profiles. In many cases, a FICO score as low as 550 may still qualify a customer for financing, depending on other financial factors. Higher credit scores generally open access to a broader selection of financing programs, often with more favorable terms and interest rates. The overall objective is to support business growth by helping more customers secure financing, even when their credit history is not ideal.
Once a customer is approved for their requested financing amount, funds are typically made available within a matter of days. After your services are completed and the payment stage is triggered, your business receives payment on demand. There is no extended waiting period, which means you receive funds quickly and can continue focusing on new projects and business growth.
Almost any home improvement project your business offers can be eligible for financing through our lender network. If your company performs the work, customers can generally finance it as part of the program. This includes roofing services, HVAC systems, kitchen remodels, bathroom upgrades, and a wide range of residential renovation and repair projects.
No. Fund My Contract partners your business with a network of online lenders who are responsible for underwriting, compliance management, and loan servicing. Your company does not act as a lender and does not handle financial compliance responsibilities. You simply provide financing as a customer payment option.
To get started, you complete an enrollment form that grants access to our network of financing partners. After approval, you will be connected with a representative who will help match your business with lenders suited to your services and customer financing requirements.
See how a home service finance company like Fund My Contract can help your Charlotte, North Carolina business achieve sales goals, strengthen cash flow, and expand at a pace that works for your company rather than someone else’s schedule. Contact us today to speak with one of our financing specialists and learn how our solutions can help support the long-term success of your business.
Fund My Contract is the fast, easy way to
finance your customers