Flexible Financing Solutions for Contractors and Their Clients

Lendigo’s all-in-one financing platform empowers contractors to offer simple, fast funding options at the point of service. By connecting to a broad network of trusted lenders, contractors can:

- Provide customers with access to high-approval financing programs

- Reduce financial obstacles so projects can begin without delay

- Close larger deals and grow average project size

- Maximize revenue potential

- Differentiate their business and enhance client satisfaction through tailored payment flexibility


Lendigo makes it easy to boost conversions while delivering a better customer experience

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What Is Contractor Financing?

Contractor financing allows service providers to offer clients manageable payment plans instead of requiring full payment upfront. This solution helps homeowners move forward with renovations, repairs, or upgrades without the burden of large immediate expenses. Once approved, clients receive financing from a third-party lender, who disburses the funds directly to the contractor. The client then repays the loan over time through fixed installments—making it easier for both parties to proceed with confidence and financial clarity.

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How Contractors Can Offer Financing with Lendigo

Providing financing to your clients through Lendigo is a streamlined way to accelerate project approvals and increase customer satisfaction. Here’s how it works:

1

Partner with Lendigo

Sign up to access our all-in-one POS financing platform and multi-lender network tailored for contractors

2

Introduce Financing at the Point of Estimate

Offer clients flexible payment options directly through your website or a dedicated digital link powered by Lendigo

3

Simple Application Process

Clients complete a short online form. Their request is routed through Lendigo’s smart-matching engine for real-time prequalification

4

Choose the Best Offer

If eligible, the client reviews available financing offers and selects the one that best fits their budget and project scope

5

Funds Disbursed to You

Once approved, funds are paid out to you directly — either in full or in agreed-upon project phases. Clients repay the lender over time.

With Lendigo, you remove financial obstacles for your customers, speed up project timelines, and win more high-value jobs.

The Business Impact of Offering Contractor Financing with Lendigo

Partnering with Lendigo empowers contractors to grow revenue, streamline operations, and better serve their clients. Key advantages include:

Financing encourages clients to move forward with larger or more comprehensive projects, helping you raise average job values and overall sales volume.

Receive direct payouts from lenders at the start or in project phases—no need to wait on customer payments.

Stand out by offering both expert services and flexible financing options, positioning your business as a complete solution provider.

Flexible payments make your services accessible to a broader client base, including those with limited immediate funds.

Stage-based disbursements help maintain project momentum and working capital throughout the job.

Handle change orders and scope increases post-approval by adjusting financing terms when needed.

Manage all financing activities—applications, tracking, analytics—through one user-friendly portal, backed by 24/7 technical support.

Select the lenders and loan terms that best match your business goals and client needs. You maintain oversight of fees and financing structure.

Access real-time insights into client behavior and financing trends to inform business decisions and optimize performance.

Lendigo helps contractors do more than just close deals—it helps them scale sustainably

For Customers

Lendigo is designed to make financing fast, inclusive, and accessible for your clients:

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High Approval Rates

With a wide network of trusted lenders, our platform delivers approval rates of up to 85%, helping more customers get the financing they need.

Credit-Friendly Options

We support a full range of credit profiles—from prime to subprime—giving nearly every applicant a fair opportunity to qualify.

Flexible Loan Amounts & Competitive Terms

Our lenders offer financing options up to $100,000, with competitive interest rates starting at just 10.99%, tailored to meet project goals and budgets

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Accessory Dwelling Units (ADUs)
HVAC Systems
Plumbing & Water Treatment
Windows, Doors & Flooring
Roofing & Solar Installations
Pool, Spa & Landscaping
Earthquake Retrofits & Home Security
Decks, Patios, Turf & Artificial Grass
Pest Control & Mobile Home Repairs
Custom Storage, Closets, Blinds & Shades
Kitchen & Bathroom Remodeling

Home Improvement Services Eligible for Contractor Financing

Contractors can boost their sales and client satisfaction by offering financing on a wide range of home improvement projects, including:

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Frequently Asked Questions

Still have questions about how Lendigo’s customer financing solutions can benefit your contracting business? Browse our FAQ section for clear answers and helpful insights

No. Lendigo’s partnered lenders handle the entire financing process—including credit evaluation, loan disbursement, repayments, and any risk of default—so you can focus on your business while we take care of the logistics.
Yes. Lendigo provides contractors with access to a centralized Merchant Dashboard where they can monitor the full financing pipeline—viewing applications marked as pending, pre-qualified, approved, or funded—along with key performance metrics and analytics.
Lendigo offers robust onboarding support, including personalized training sessions and ongoing assistance from a dedicated Merchant Success Team. Contractors also have access to 24/7 technical support for help with integration, troubleshooting, and navigating the platform—ensuring you’re fully equipped to offer financing with confidence.
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Get Started with Lendigo POS Financing Software

With Lendigo, unlock contractor financing and open the door to greater revenue opportunities.