- 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
When you can offer financing solutions for home improvement projects, your contracting business is better equipped to stand out in the growing and highly competitive Phoenix, Arizona market.
Home improvement financing solutions through Fund My Contract can help your Phoenix business close more contracts, attract additional customers, maintain consistent cash flow, and generate stronger revenue to support continued business growth.
Homeowners throughout Phoenix are investing in renovations, energy-efficient upgrades, and property improvements, but many still need affordable payment options to move forward with larger projects. Customers want trusted contractors who provide dependable service and quality workmanship, yet limited cash availability can delay important decisions and postpone hiring timelines.
By making your products and services more affordable through financing options, you help customers complete projects without overwhelming financial pressure. At the same time, you strengthen your business by improving customer satisfaction, encouraging repeat business, and building a stronger referral network throughout the Phoenix area.
*varies by vertical market
Stand out from competing builders and dealers with a tiny house financing program designed to make projects more accessible and affordable for customers.
Fund My Contract, launched in 2012, provides businesses with more than financing technology and lender connections. We are a community-driven network of merchants and lenders working together to support long-term business growth and customer accessibility. Supported by over 30 years of experience in Point-of-Sale Consumer Financing, we offer free coaching and consultation to help businesses increase revenue and improve sales processes. Financing solutions that reduce affordability barriers not only help businesses secure future growth, but also improve customer experiences and create stronger long-term customer relationships.
Fund My Contract is the fast, easy way to
finance your customers
Home improvement financing through Fund My Contract gives your Phoenix, Arizona business a meaningful advantage by helping customers access financing programs designed around their specific financial needs. Because you know the priorities of Phoenix homeowners, your business is in the strongest position to reduce the pricing concerns that can stand in the way of closing more jobs.
Working alongside Fund My Contract allows your Phoenix company to create financing programs that make it easier for customers to move ahead with renovations, repairs, and property improvements without unnecessary delays.
Our network of third-party lenders partners with your business to develop multiple financing options that align with customer expectations while supporting stronger business growth. Each financing program is intended to provide a more flexible and manageable solution than requiring customers to pay the entire project cost upfront.
Financing options should be designed to help customers manage project costs in a way that feels realistic and affordable. Many homeowners are interested in improving their homes, but limited cash availability often prevents them from moving ahead with renovations or repairs when they are needed most. Instead, customers postpone projects until they can afford the entire cost upfront, which can delay important work and limit opportunities for your business to expand.
Financing plans provide a solution that benefits both homeowners and contractors. Customers can move forward with projects immediately while paying through low monthly installments that better align with their budgets. This creates a more accessible path toward home improvements while helping your business increase sales, improve cash flow, and support continued growth.
Homeowners appreciate having multiple financing choices available when planning a renovation or repair project. They also want assurance that they are securing competitive pricing and reasonable financing terms for the work they need completed. When affordable house financing options are limited, customers are often directed toward traditional borrowing methods such as personal loans, high interest credit cards, or home equity financing from banks and credit unions that may come with significant fees and costly repayment structures. If those solutions are not practical, customers frequently rely on personal savings to move forward.
You have built customer trust by helping homeowners find dependable and cost-effective solutions to their home improvement concerns. By offering financing plans through Fund My Contract, you continue supporting your customers with financing programs that may feature lower rates than many credit cards and fewer costs than traditional personal loans or home equity borrowing options.
Our network of third-party online lenders provides financing opportunities designed for qualified borrowers with strong credit. You may also choose financing programs that include promotional fixed interest rates available for a limited timeframe.
These types of financing offers often encourage homeowners to make decisions sooner, allowing them to proceed with projects while helping your business increase completed jobs and overall revenue.
A major benefit of financing programs through our third-party lender network is the ability to provide repayment flexibility to customers. You partner with your chosen lender to design financing solutions that match the needs of your clients, especially when additional time is required for customers to repay the financing used for home improvement services.
Adding flexible loan terms to your financing offerings helps reduce hesitation and supports stronger customer confidence when selecting a contractor. Even with competitive pricing, high quality workmanship, and accessible financing options, customers may still need more than low monthly payments and standard interest rates to feel fully comfortable moving forward.
Flexibility often serves as the deciding factor because it gives customers a sense of financial security. It also encourages them to pursue larger or more comprehensive projects, knowing they have the time and structure needed to repay the investment at a manageable pace.
For many contractors, working with a third-party provider such as Fund My Contract is a preferred approach when offering financing because it removes the complexity and risk associated with directly funding customer projects. Financing should support business growth, not create additional operational responsibilities.
If contractors choose to finance projects themselves, they are required to extend loan funds upfront and then manage repayment collection from customers. This can become an added burden, especially for businesses that already face challenges with late payments, unpaid invoices, and the administrative effort required to manage accounts receivable.
By partnering with a service finance company like Fund My Contract, contractors can avoid these challenges entirely, as our third-party lender network handles the financing process from application through funding and loan servicing, allowing businesses to focus on production, customer service, and expansion.
Your Phoenix business only needs to stay focused on providing reliable service and expanding your customer base through quality workmanship. When customers apply for financing options connected to your business, the third-party lender handles the application process and funds the approved project.
After project completion, you receive full and immediate payment for the work performed. This allows your business to maintain strong cash flow while the customer makes fixed monthly payments directly to the lender according to the financing agreement.
Once the job is completed and your payment has been processed, your involvement in the financing arrangement ends completely, allowing you to focus fully on future business growth.
The options available depend on the financing structure you set up with your lender partners. Our network works closely with you to build programs that match your customers’ financial needs while making your services more affordable and easier to access. These financing solutions are designed to increase customer spending power and improve conversion rates. Depending on the program, you may be able to offer lower monthly installment plans, flexible repayment terms, or promotional interest rates for customers who qualify.
Credit approval is designed to be fast, with most customers receiving a decision within seconds of submitting their application. The process is simple and requires only basic personal details, along with the unsecured loan amount and purpose of the financing request. While credit history and score are reviewed, lenders also take into account other important factors such as employment history and debt to income ratio. This allows many customers to qualify for same day funding, regardless of whether the project is small scale or larger in scope.
The initial application process involves a soft credit inquiry, which does not impact the customer’s credit score. A hard credit check is only performed once a financing program is selected, and this step may have an effect on the customer’s credit depending on their credit profile and the lender’s evaluation.
The Fund My Contract lender network includes providers that work with customers across a broad credit spectrum, including individuals with less than perfect credit. In some cases, a FICO score near 550 may be enough to qualify for financing, although approval will also depend on other financial considerations. Higher credit scores typically unlock a wider selection of financing options with better rates and terms. This approach is designed to help more of your customers access financing so they can move forward with your services.
Once a customer is approved for financing, funds are usually made available within a few business days. After the work has been completed and payment is due, your business is paid promptly without extended delays. This fast payout structure supports healthier cash flow and allows your business to continue operating and growing efficiently.
Most home improvement services offered by your business can qualify for customer financing. As long as your company performs the work, it can typically be included in available financing programs through our lender network. Common examples include roofing, HVAC system installation or repair, kitchen and bathroom remodels, flooring projects, and various interior and exterior home upgrades.
No. Fund My Contract connects your business with established online lenders who handle underwriting, regulatory compliance, and loan servicing responsibilities. Your business is not acting as a lender and is not responsible for managing financial agreements. You simply offer financing as a convenient payment option for your customers.
Getting started is easy and designed for fast onboarding. You complete an enrollment form to gain access to our lender network. After approval, a representative will reach out to guide you through the process and connect you with lenders that align with your business services and customer financing needs.
Learn how a home service finance company like Fund My Contract can help your Phoenix, Arizona business reach its sales projections, improve cash flow management, and grow according to your own schedule and long-term plans. Contact us today and speak with one of our financing experts to discover how our solutions can help your business move forward with confidence.
Fund My Contract is the fast, easy way to
finance your customers