GEOSmart Financing Clearinghouse

Select Program to View Description

Installment+ Loan Program
Revolving Credit Program
Flex Loan Program
Premium Express Loan Program
Express Loan Program
Premium Foundation Finance Program
Foundation Finance Program
Ygrene Financing Program
Square One Program
Consumer Direct Loan Program
Web Loan Program
Supplemental Financing Program
Second Look Financing Program
Commercial Financing Program
Commercial Leasing Program
Working Capital Loan Program

Through the GEOSmart Financing Clearinghouse, EGIA will clear the way and help you pick the right program for your business. We have done the research, vetted the leading finance service offerings, and leveraged our national buying power to secure the best financing solutions for our EGIA members. Thanks to the buying power of our large national member base, we have been able to negotiate special consumer financing programs with many of the country's leading financial lenders. To get started, submit a request for information.

Comercial Financing Program

This program is ideal for commercial businesses who are looking to finance larger comprehensive upgrades to their facility. Offer this program to your commercial customers or use it to finance your own property improvements.

Note: The customer must own the commercial property in order to utilize this program.

Program Highlights

  • Loans from $25,000 to $5 million+
  • Loans can exceed $5 million based on property value and company financials
  • Fixed interest rate of 6% APR (2.75% plus prime)
  • Loan terms of 5, 10, 15 or 20 years
  • Progress payments available
  • Fixed 3% dealer fee on all loans
  • Credit decisions within 48 hours
  • Simple online application process

Commercial Leasing Program

This program is ideal for commercial businesses who are looking to lease small and medium sized upgrades to their facility on a short-term of 5 years or less.

Program Highlights

  • Lease amounts starting as low as $5,000
  • Terms up to 60 months
  • Competitive interest rates
  • Simple credit application & fast credit turnaround
  • No financial statements required for projects under $150,000
  • Repeat purchase capability

Consumer Direct Loan Program

Great for contractors who don't want to manage the loan process or have limited time in business and trade credit. Customers can apply from your website and money is deposited directly into your customer's account, making them a cash buyer.

Note: Program is for customers with good to excellent credit.

Program Highlights

  • Fixed APR promos starting at 4.99%
  • Loan amounts from $5,000 to $100,000
  • Customers can apply directly from your website
  • No dealer fees
  • Easy to join – No contractor enrollment requirements
  • Customers can finance HVAC, Solar, Remodeling, or Pools

Express Loan Program

The Express Loan Program is great for contractors new to financing. The customer application process is paperless and the funding is simple. This program gives the ability to offer low monthly payments and no interest / no monthly payment programs. Note: Does not finance photovoltaic solar.

Program Highlights

  • Unsecured installment loans to $45,000
  • No interest / no payment Same As Cash options up to 24 months*
  • Optional 2nd Look Yes Loan option for credit challenged customers
  • Fixed APR promotions from 2.99%-9.99%
  • No interest with equal monthly payment options available
  • Terms to 12 years
  • Close in home in minutes with multiple paperless application options

*Interest is waived if loan is paid off in full during same as cash term.

SPLASH PAGES

Custom Splash Page & Button Generator

1.

Select Your Financing Option:

2.

Enter and Confirm Your Dealer Number:

3.

Copy the Code Below to Place Button and Link on Your Website:

The Code Above Will Generate the Following Clickable Button:

Or Simply Use the Following URL on Your Website:

GEOSMART AUTHORIZED LOGO

Authorized Users

Only EGIA Member Contractors approved to participate in EGIA sponsored Energy Efficiency and Renewable Energy Financing Programs, are authorized to use the "EGIA GEOSmart Authorized Contractor" logo.

General Guidelines

The "EGIA GEOSmart Authorized Contractor" logo can be used in the following marketing activities:

  • Print or TV Advertising
  • Promotional and Educational Materials (marketing collateral, brochures, etc.)
  • Company Website
  • Point of Purchase Materials

The logo may be resized, but the proportions must be maintained.

  • If the logo is reduced, lettering legibility inside the logo must be maintained

The logo may not be altered, cut apart, separated, or otherwise distorted in perspective or appearance.

When reproducing the logo:

  • Do not change the colors of the logo
  • Do not place the logo on a busy image
  • Do not rotate the logo
  • Do not let text run into the logo

Flex Loan Program

This program allows contractors to access multiple programs with one call including installment payments, same-as-cash options, no equity 2nd mortgages as well as programs for credit challenged customers. No proof of income is needed on unsecured loans under $15,000. This is a great option for contractors who need a variety of solutions in one place.

Program Highlights

  • Unsecured installment loans to $45,000
  • Secured "Second-Look" options available
  • Fixed APR buydown options as low as 2.99%
  • Terms up to 20 years
  • With payment deferred interest options for 6, 12, 18 or 24 months
  • No interest / no payment options for 3, 6, 12 or 18 months
  • No interest with equal monthly payment options available
  • Stage funding is available
  • Solar Thermal (Domestic Water Heating, Pool Heating)
  • Windows & Siding
  • HVAC
  • GeoExchange Systems
  • Wind Turbines
  • Insulation (Radiant, Roiled, Blown)
  • Whole House Home Performance
  • Artificial Turf
  • Roofing
  • Water Heaters
  • Energy Efficient Remodeling
  • Window Treatments (Tinting, Shading, Shudders, Awnings)
  • Indoor Air Quality
  • Installed Generators
  • Water Conserving Irrigation
  • Water Conserving Landscaping

Please contact EGIA for the extensive list of additional home improvement measures covered under the GEOSmart program.

SPLASH PAGES

Custom Splash Page & Button Generator

1.

Select Your Financing Option:

2.

Enter and Confirm Your Dealer Number:

3.

Copy the Code Below to Place Button and Link on Your Website:

The Code Above Will Generate the Following Clickable Button:

Or Simply Use the Following URL on Your Website:

GEOSMART AUTHORIZED LOGO

Authorized Users

Only EGIA Member Contractors approved to participate in EGIA sponsored Energy Efficiency and Renewable Energy Financing Programs, are authorized to use the "EGIA GEOSmart Authorized Contractor" logo.

General Guidelines

The "EGIA GEOSmart Authorized Contractor" logo can be used in the following marketing activities:

  • Print or TV Advertising
  • Promotional and Educational Materials (marketing collateral, brochures, etc.)
  • Company Website
  • Point of Purchase Materials

The logo may be resized, but the proportions must be maintained.

  • If the logo is reduced, lettering legibility inside the logo must be maintained

The logo may not be altered, cut apart, separated, or otherwise distorted in perspective or appearance.

When reproducing the logo:

  • Do not change the colors of the logo
  • Do not place the logo on a busy image
  • Do not rotate the logo
  • Do not let text run into the logo

Foundation Finance Program

Full service program with flexible underwriting to give you more approvals on customers that other lenders decline. Competitive financing terms for buyers – perfect credit not required. Simple, paperless process. Approves up to 77% of deals others decline.

Program Highlights

  • Unsecured installment and revolving loans up to $55,000
  • Terms up to 120 months or payment factors as low as 1.5% of the amount financed
  • Low fee APR buy-down options
  • Approvals for A-D credit
  • Paperless application and document signing options
  • Split tickets considered
  • No prepayment penalty

HVAC Lease Program

This comprehensive lease program provides affordable payment plans to both residential and commercial customers. This quick, easy-to-use and streamlined program helps contractors increase their close ratio by approving a wider range of projects and customer credit profiles.

Program Highlights


  • Lease terms up to 6 years with rates as low as 9.90%
  • Lease minimum just $500 and up to $20,000 (residential) / $100,000 (commercial)
  • Single solutions provider for customers with great and challenged credit
  • Easy online application process with instant credit decisions under $10,000
  • Income verification is generally not required
  • 100% of invoice amount is paid to the contractor within 24 hours of confirmed installation
  • Commercial start up financing programs offered up to $25,000

SPLASH PAGES

Custom Splash Page & Button Generator

1.

Select Your Financing Option:

2.

Enter and Confirm Your Dealer Number:

3.

Copy the Code Below to Place Button and Link on Your Website:

The Code Above Will Generate the Following Clickable Button:

Or Simply Use the Following URL on Your Website:

GEOSMART AUTHORIZED LOGO

Authorized Users

Only EGIA Member Contractors approved to participate in EGIA sponsored Energy Efficiency and Renewable Energy Financing Programs, are authorized to use the "EGIA GEOSmart Authorized Contractor" logo.

General Guidelines

The "EGIA GEOSmart Authorized Contractor" logo can be used in the following marketing activities:

  • Print or TV Advertising
  • Promotional and Educational Materials (marketing collateral, brochures, etc.)
  • Company Website
  • Point of Purchase Materials

The logo may be resized, but the proportions must be maintained.

  • If the logo is reduced, lettering legibility inside the logo must be maintained

The logo may not be altered, cut apart, separated, or otherwise distorted in perspective or appearance.

When reproducing the logo:

  • Do not change the colors of the logo
  • Do not place the logo on a busy image
  • Do not rotate the logo
  • Do not let text run into the logo

Installment+ Loan Program

This program features a revolutionary paperless application process and allows contractors to offer low monthly payments, no interest / no payment programs, special promotions designed to carry rebates or tax credits, and more.

Program Highlights

  • Unsecured installment loans to $55,000
  • Fixed APR promotions from 0% to 11.99%
  • Terms to 12 years
  • No interest / no payment options for 6, 12 or 18 months
  • No interest with payment options for 6, 9, 12, 18 or 24 month
  • Close in home in minutes

Premium Express Loan Program

This is an enhanced version of the Express Loan Program for premium members. This program features a higher maximum loan amount, extended repayment terms and a 0.5% monthly contractor rebate on all funded loan volume.

Program Highlights

  • Unsecured installment loans to $65,000
  • No interest / no payment Same As Cash options up to 24 months*
  • Deposits up to 50% of the loan amount
  • Combo Loans for Solar customers
  • Optional 2nd Look Yes Loan option for credit challenged customers
  • Fixed APR promotions from 1.99%-9.99%
  • No interest with equal monthly payment options available
  • Terms to 20 years
  • Close in home in minutes with multiple paperless application options
  • Financing for most projects including HVAC, Geothermal, and Solar PV.
  • 0.5% monthly contractor rebate on all funded loan volume (Example: $100,000 in funded loan volume = $500 contractor rebate)

*Interest is waived if loan is paid off in full during same as cash term.

SPLASH PAGES

Custom Splash Page & Button Generator

1.

Select Your Financing Option:

2.

Enter and Confirm Your Dealer Number:

3.

Copy the Code Below to Place Button and Link on Your Website:

The Code Above Will Generate the Following Clickable Button:

Or Simply Use the Following URL on Your Website:

GEOSMART AUTHORIZED LOGO

Authorized Users

Only EGIA Member Contractors approved to participate in EGIA sponsored Energy Efficiency and Renewable Energy Financing Programs, are authorized to use the "EGIA GEOSmart Authorized Contractor" logo.

General Guidelines

The "EGIA GEOSmart Authorized Contractor" logo can be used in the following marketing activities:

  • Print or TV Advertising
  • Promotional and Educational Materials (marketing collateral, brochures, etc.)
  • Company Website
  • Point of Purchase Materials

The logo may be resized, but the proportions must be maintained.

  • If the logo is reduced, lettering legibility inside the logo must be maintained

The logo may not be altered, cut apart, separated, or otherwise distorted in perspective or appearance.

When reproducing the logo:

  • Do not change the colors of the logo
  • Do not place the logo on a busy image
  • Do not rotate the logo
  • Do not let text run into the logo

Premium Foundation Finance Program

This is an enhanced version of the Foundation Finance Program for premium members. This program features flexible underwriting that approves up to 77% of deals other decline and features a 0.5% monthly contractor rebate on all funded loan volume.

Program Highlights

  • Unsecured installment and revolving loans up to $55,000
  • Terms up to 120 months or payment factors as low as 1.5% of the amount financed
  • Low fee APR buy-down options
  • Approvals for A-D credit
  • Paperless application and document signing options
  • Split tickets considered
  • No prepayment penalty
  • 0.5% monthly contractor rebate on all funded loan volume (Example: $100,000 in funded loan volume = $500 contractor rebate)

Revolving Credit Program

This program allows homeowners to get an open line-of-credit with their chosen contractor that can fund current and future projects. This program features limited paperwork, easy funding and several different financing promotions.

Program Highlights

  • Unsecured financing up to $35,000 with approved credit
  • Special APR promotions from 5.90% to 12.90%
  • Fixed monthly payments as low as 1.75%
  • No interest with payment options for 6-18 months
  • No interest with equal monthly payment options available
  • Close in home in minutes

Second Look Financing Program

This program is ideal for contractors looking to provide a financing solution to their credit challenged customers.

Program Highlights

  • Credit scores as low as 550 considered
  • Fixed rate APRs ranging from 9.9%-29.9% depending on credit score
  • Deferred interest up to 12 months available
  • Credit lines up to $7,500 per applicant
  • No homeownership requirement – two applicants can apply per installation
  • No income verification – no employer section on application
  • No customer application fees or prepayment penalties
  • 100% paperless process

Square One Financing Program

If you want to start using consumer finance solutions for the first time or need personal support when offering finance, Square One is for you. Square One provides your customers with fixed interest rates and helping hand to you. The Square One representatives will help you decide what programs to offer and show you how to offer them.

Program Highlights

  • Lends up to $35,000
  • $300 Minimum allows customers to finance repairs
  • 6 & 12 Month Deferred interest options
  • Dedicated Account Manager
  • No monthly minimums

Supplemental Financing Program

This is another great option for contractors looking to supplement their traditional financing offerings with a solution that serves customers with challenged credit.

Program Highlights

  • Credit scores as low as 550 considered
  • Standard APR is 15.75%
  • Deferred interest up to 12 months available
  • Lines of credit up to $15,000
  • No penalty APR rates or loss of promotional terms for late pays
  • No annual or monthly fees
  • Repeat purchase capability

Web Loan Program

This program is ideal for contractors who prefer to use a web-based financing platform and do not want to pay any merchant fees.

Note: This program is only available to contractors in Canada.

Program Highlights

  • Amortizations available up to 15 years (always the lowest payment)
  • Unique branded, customer facing pre-approval application available
  • Contractor commissions for any payment protection package
  • Consumer rates from just 6.99%
  • Paperless process with e-signature contracting
  • No interest (0%) equal payment programs starting at 3.9%
  • Multi-lender platform allows us to extend more approvals and say yes more often

Working Capital Loan Program

This program offers short-term working capital for your own company through true business loans that can help build your business' credit. It provides faster access to working capital and requires less paperwork than a bank loan.

Program Highlights

  • Terms from 3-24 months
  • Competitive transparent pricing with fixed daily payments
  • Quick application process with same-day approvals
  • Loans are funded within 48 hours with money direct deposited into borrowers account
  • Borrowers are eligible to renew their loan for additional funds

Company Information

  • Your Contact Information

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  • Ygrene Financing Program

    Available for contractors in California, Florida and Missouri

    Imagine increasing your project pipeline and boosting your bottom line.

    We understand it can be challenging to find ways to grow your business. As a Ygrene authorized contractor, we'll help you secure larger projects with property owners who are ready to start now. Ygrene provides the training, tools and resources you need to deliver an affordable, competitive home improvement financing solution.

    A competitive alternative to traditional financing.

    • No money down, 100% financing
    • Based on home equity, not FICO
    • No payment for up to 12+ months*
    • Fixed rates with 5 to 30-year terms
    • Repaid with property taxes

    Start offering Ygrene to your customers today.

    *Subject to underwriting guidelines and approvals; timing of first payment depends on date of funding; interest accrues during entire deferred payment period.