Top 5 Financing Companies for Customers with Low Credit or No Credit

Peter Lewis
January 13, 2021

Are you tired of missing opportunities & losing money because some of your customers can't get approved for financing?

Don't worry - with this list of 5 financing companies that help lower credit customers, you'll be able to bring your approval numbers up and sell more jobs.


1. Atwood.

Atwood Rent-to-Own is a great company with a vision to help people! They are available in most states, and can get some homeowners approved without a credit check as long as they can prove their income. I highly recommend Atwood. Learn more about Atwood.

2. Hearth.

Hearth's big advantage is that you don't need to be in business for 1+ years to use them. They're available to any home service company, and typically approve lower credit scores than most financing companies do. They have an app that let's you take your customers through the approval process with ease. The only downside is that it typically costs about $500-$1000 to get started with Hearth. Learn more about Hearth.  

3. Flexxbuy.

Flexxbuy is similar to Hearth but they have a smaller startup fee. Another benefit to Flexxbuy is that they will approve some homeowners without running a credit check at all, as low as income and home ownership proof is submitted! Learn more about Flexxbuy.

4. PACE-Program Companies (Y-Green, others).

The PACE program is a government project available to Florida and California HVAC companies. They work by putting a lien on home owners' property. Obviously, this isn't ideal; however not having heat or cooling when needed can be life threatening. Getting HVAC work done can be a huge priority! Learn more about Y-green.

5. Microf. Many of our contractors work with Microf and report that they have a good approval rating on low credit scores. Learn more about Microf.

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Consumer needs are changing—fast—and the contractors who adapt their HVAC marketing strategy will be the ones that see more phone calls, more leads, and more booked appointments.

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7XDirect | All Rights Reserved | 2020

Consumer needs are changing—fast—and the contractors who adapt their HVAC marketing strategy will be the ones that see more phone calls, more leads, and more booked appointments.

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Consumer needs are changing—fast—and the contractors who adapt their HVAC marketing strategy will be the ones that see more phone calls, more leads, and more booked appointments.

7X Direct | All Rights Reserved | 2020