EGIA Financing Clearinghouse

Select Program to View Description

Greensky
Wells Fargo
Service Finance
Premium Enerbank
Enerbank
Foundation Finance
Ygrene
Financeit (Canada)
Kapitus Commercial
Balboa Capital
RedBrick
Mosaic
SNAP (Canada)

Through the EGIA 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.

Balboa Capital is a commercial lender ideal for leasing projects between 5,000 and 500,000

No ownership required – customers do not have to own the property

Variety of lease options – leaseback and wrap leases offered in addition to fair market value and dollar buyouts

Simple application process – online application requesting basic information and a brief description of what the customer needs financed; no initial paperwork or collateral needed.

How Balboa Capital Works

  1. Customer applies by completing the application
  2. Customer is notified of initial approval within minutes
  3. Balboa contact the customer to complete the application process
  4. Funds sent to customer upon application closing; usually same-day

Finance Products

  • Term Loans
  • Equipment Leasing

Get Started

  1. Download the enrollment application
  2. Return completed enrollment application and voided check to saveenergy@egia.org
  3. Get approved
  4. Complete training

The Enerbank 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

Finaceit, the mobile friendly solution that can be customized for your selling needs

Make the loan application yours – Unique merchant branded, customer facing pre-approval application available for your website

Sell larger jobs – Maximum credit approvals up to $60,000

Software Ready - Integrated with most management software platforms

How Financeit works

  1. Customer applies by using through the online application
  2. Customer conditionally approved within minutes and customer signs the loan docs by e-sign from the contractor’s mobile device
  3. Process payment by submitting the completion certificate upon job completion. Funding will occur 24-48 hours of customer verification that the job is complete

Loan Products

  • Standard credit
  • Extended credit
  • Deferred payments
  • Reduced Interest
  • 0% interest

Get Started

  • Use the enrollment link to submit the application
  • Get approved
  • Complete training

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 is great for those who are newer and need a higher level of support along the way as well as established companies that are looking for a more economical way to handle turn-downs.

Multiple approval tiers – Loans for prime, near prime, and subprime customers in one place

Similar pricing across credit tiers – Keep more of your selling price when financing customers with less than stellar credit

Not a fan of mobile technology? – Customers can apply over the phone, by fax, or email

How Foundation Finance works?

  1. Customer applies by using through the online portal, over the phone, by fax, or email
  2. Customer approved within minutes and customer signs the loan docs by e-sign from the contractor’s mobile device. Paper docs can be downloaded from the online portal if needed.
  3. Process payment by submitting the completion certificate upon job completion. Funding will occur 24-48 hours of customer verification that the job is complete.

Loan Products

  • No Payments / No Interest Promotions
  • Reduced Interest Rate Promotions
  • Deferred Payment Opportunities
  • Installment Loans and Revolving Credit options

Get Started

  1. Submit an application using the enrollment link
  2. Get approved
  3. Complete training & your dealer ID is ready to use

Foundation Finance is great for those who are newer and need a higher level of support along the way as well as established companies that are looking for a more economical way to handle turn-downs.

Multiple approval tiers – Loans for prime, near prime, and subprime customers in one place

Similar pricing across credit tiers – Keep more of your selling price when financing customers with less than stellar credit

Not a fan of mobile technology? – Customers can apply over the phone, by fax, or email

How Foundation Finance works?

  1. Customer applies by using through the online portal, over the phone, by fax, or email
  2. Customer approved within minutes and customer signs the loan docs by e-sign from the contractor’s mobile device. Paper docs can be downloaded from the online portal if needed.
  3. Process payment by submitting the completion certificate upon job completion. Funding will occur 24-48 hours of customer verification that the job is complete.

Loan Products

  • No Payments / No Interest Promotions
  • Reduced Interest Rate Promotions
  • Deferred Payment Opportunities
  • Installment Loans and Revolving Credit options

Get Started

  1. Submit an application using the enrollment link
  2. Get approved
  3. Complete training & your dealer ID is ready to use

GreenSky, the innovator of mobile point-of-sale financing, is offering EGIA Finance contractors its best-in-class processing services without having to use your credit card processor to get paid.

Get funded even faster – exclusive direct ACH funding process for EGIA Finance contractors

Improve your cash flow – accept down payments of up to 20% of the total

Sell larger jobs – maximum credit approvals up to $55,000

How GreenSky Works

  1. Customer applies by using the mobile app, online application, or over the phone
  2. Customer approved within seconds and receives an account number
  3. Process payment using the all-inclusive one-click funding process

Loan Products

  • No Payments / No Interest Promotions
  • Reduced Interest Rate Promotions
  • Second look opportunities provided by Foundation Finance (enrollment with Foundation Finance required)

Get Started

  1. Submit an enrollment application through EGIA Finance’s online enrollment portal
  2. Get approved
  3. Complete online training & receive your merchant ID

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

Kapitus offers a commercial program with a variety wide variety of solutions projects up to 5M

Finance option variety – allows business owners to choose the best option for their project

Easy qualification requirements - applicants need only 2 years in business and no previous bankruptcies

Fast Funding – Most customers are funded within 2 – 3 days

How Kapitus Works?

  1. Customer applies by completing the online form and submitting a PDF version to Kapitus along with equipment invoice and 3 months bank statements/last year’s taxes
  2. Customer is notified of approval within one business day
  3. Process payment by submitting the customer’s signed completion form; cost of equipment is sent directly to the distributor with the remaining balance sent to the contractor

Finance Products

  • Commercial Loans
  • Equipment Leases
  • Lines of Credit
  • Small Business Financing
  • Working Capital
  • Invoice Financing

Get Started

  1. Download the enrollment application
  2. Return completed enrollment application and voided check to saveenergy@egia.org
  3. Get approved
  4. Complete training

Mosaic, recognized by Fast Company as one of the most innovative companies in energy, is making home improvement financing more accessible and affordable with their leading point-of-sale technology platform.

No mobile apps to install and update – Customers can apply and sign by SMS

Interactive job estimator – Show your good, better, best finance options

Look before you see – Utilize the soft credit pull feature to discover potential approval

How Mosaic Works?

  1. Customer applies by using through the mobile application using your smart phone or tablet
  2. Customer receives a text to review loan disclosures and responds with “YES”
  3. Process payment by sending the completion text to your customer from your loan portal. Once customer responds with “YES”, you are paid via ACH transfer within 24-48 hours.

Loan Products

  • No Payments / No Interest Promotions
  • Reduced Interest Rate Promotions

Get Started

  1. Submit an enrollment application through EGIA Finance’s online enrollment portal
  2. Get approved
  3. Complete online training & your dealer ID is ready to use

Enerbank, a federally insured bank truly dedicated to home improvement lending.

Starting Selling Faster – the leader in turnkey marketing and sales collateral

Always close to a helping hand – renowned customer service

Reduce turn-downs – automatic review for customers with credit scores as low as 575

How Enerbank works

  1. Customer applies by using the mobile app, online application, or over the phone
  2. Customer approved within seconds and Customer signs loan docs by logging into ExpressDocs through your mobile device
  3. Process payment by having your customer log into the ExpressDocs directly from your mobile device to submit the Payment Authorization Form along with your counter-signature.

Loan Products

  • No Payments / No Interest Promotions
  • Reduced Interest Rate Promotions
  • Second look through Enerbank’s YES Loan program

Get Started

  1. Submit an enrollment application through EGIA Finance’s online enrollment portal
  2. Get approved
  3. Complete online training & your dealer ID is ready to use

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

Redbrick offers a mobile app that includes tools such as Good, Better, Best options, a payment calculator, and e-sign capabilities

How Redbrick works?

  1. Customer applies by using through the online application
  2. Customer conditionally approved within minutes and customer signs the loan docs by e-sign from the contractor’s mobile device.
  3. Process payment by submitting the completion certificate upon job completion. Funding will occur 24-48 hours of customer verification that the job is complete.

Loan Products

  • No Payments / No Interest Promotions; Some with No Retro-Active Interest!
  • Reduced Interest Rate Promotions

Get Started

  1. Submit an application using the enrollment link
  2. Get approved
  3. Complete training & your dealer ID is ready to use

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 EGIA Financing program.

SNAP Home Finance offers a mobile app that includes tools such as Good, Better, Best options, a payment calculator, and e-sign capabilities

How SNAP works

  1. Customer applies by using through the online application
  2. Customer conditionally approved within minutes and customer signs the loan docs by e-sign from the contractor’s mobile device.
  3. Process payment by submitting the completion certificate upon job completion. Funding will occur 24-48 hours of customer verification that the job is complete.

Loan Products

  • Fixed Rate
  • Extended Credit
  • Deferred Interest
  • No Interest

Get Started

  1. Use the enrollment link to submit the application
  2. Get approved
  3. Go through training

Already Enrolled?

Already enrolled in SNAP? Contact EGIA Contractor Services for your Account #. Then reach out to Snap Financial Dealer Support at 866-282-2384 or dealersupport@snapfinancial.com.

TimePayment, the leasing solution that offers every customer the opportunity to be comfortable.

  • Multi-Level Credit Scoring – Allows a wider range of credit profiles to be approved
  • Home and Small Business Focused – Able to approve transactions under $10,000 within seconds
  • Purchase Options – Standard Fair Market Value or Dollar Purchase options available for select credit profiles

How TimePayment Works

  1. Customer applies by using the online or paper lease application
  2. Customer is contacted by TimePaymentto discuss program options like, number of months for repayment and purchase options
  3. Customers e-signs lease documentation
  4. Process payment by submitting the customer’s signed completion acceptance form

Get Started

  1. Download the enrollment application
  2. Return completed enrollment application to saveenergy@egia.org
  3. Get approved
  4. Complete training

Wells Fargo, one of the most recognized banks in the US, allows contractors to remarket to existing customers.

  • Repeat customer friendly – Offer a revolving line of credit that can be used as the balance is paid down
  • Name brand recognition – Everyone has heard of Wells Fargo and its home improvement finance program
  • Application link tied to you – customers can apply for a loan directly from your website before you visit the home

How Wells Fargo Works?

  1. Customer applies by using through the online application or by phone
  2. Customer signs our Invoice and Right to Cancel Form. Customer will receive their Home Projects Visa card in the mail that can be used for future purchases
  3. Process payment by submitting the charge to Wells Fargo through your application portal after the right to cancel period as expired and the job is complete

Loan Products

  • No Interest / Zero Interest Promotions
  • Reduced Interest Rate Promotions

Get Started

  1. Download the enrollment application
  2. Return completed enrollment application to saveenergy@egia.org
  3. Get approved
  4. Complete training and receive your dealer number

Ygrene Energy Fund, a leading provider of property assessed clean energy financing, provides 100% financing to residential and commercial customers for energy efficiency, renewable energy and water conservation improvements.

Only Available in California, Florida, & Missouri

No credit checks – loan approvals are based on the home’s equity

No monthly loan payments – Loan payment is added to the home’s property tax bill (annually or twice annually)

Longer loan terms – Up to 30 years for solar projects

How Ygrene Works

  1. Customer applies applies by using through the online or over the phone
  2. Customer approved within minutes and customer signs the loan docs
  3. Process payment by submitting the customer signed completion certificate upon job completion. Funding will occur 24-48 hours of customer verification that the job is complete

Loan Products

  • PACE Loans

Get Started

  1. Use the online application link
  2. Get approved
  3. Complete training

Company Information

  • Your Contact Information

  • This field is for validation purposes and should be left unchanged.