Top Financial Partners

Foundation Finance Company specializes in flexible consumer financing that reaches beyond traditional credit boundaries, approving customers with FICO scores as low as 550. With over two decades of experience serving nearly 7,000 contractors nationwide, Foundation Finance offers a comprehensive suite of financing options including reduced rates, same-as-cash programs, and deferred payment plans with terms up to 144 months. Their unique underwriting approach captures both “first look” and “second look” customers, approving up to 77% of applications that prime-only lenders decline.

Foundation Finance provides contractors with free enrollment, a lightning-fast dealer portal with driver’s license scanning, soft credit pull prequalification options, and responsive dealer services backed by comprehensive training and customized marketing materials — all designed to help home improvement contractors close more sales and grow their businesses across HVAC, water treatment, solar, and renovation sectors.

1 & Fund, LLC revolutionizes home improvement financing through their proprietary 1LOOK multi-lender platform, connecting contractors to multiple top lenders through a single guided application completed in under four minutes. This patent-pending expert system automatically routes each customer to the lender most likely to approve them, maximizing approvals from FICO scores as low as 550 while contractors using 1LOOK have seen take rates increase 8–12% simply by making financing standard in their sales process.

The platform integrates One Click Payments for seamless down payment collection via credit card or ACH, provides real-time performance analytics through a unified dashboard, and includes live chat support plus ongoing coaching from home improvement experts. Built by industry professionals for industry professionals, 1LOOK streamlines the entire financing workflow while offering contractors the freedom to present multiple payment options and close bigger deals faster across all home improvement sectors.

Service Finance Company, LLC (now part of Truist Financial Corporation following a $2 billion acquisition in 2021) is a nationally licensed FHA Title I Lender providing over 50 different financing solutions spanning promotional and standard installment terms for home improvement contractors. With a proprietary mobile app that processes over 80% of loan applications and delivers fully paperless experiences from application to funding, Service Finance offers transparent pricing with no hidden merchant, ACH, credit card processing, or activation fees — what’s on the rate card is what dealers pay.

Their industry-leading stage funding program is uniquely consumer and contractor friendly, with no consumer payments due until the job is complete, while contractors receive funding within 24–48 hours via ACH at no extra cost. Service Finance distinguishes itself by teaching dealers how to effectively leverage financing to increase ticket sizes and profits, serving more than 14,000 home improvement dealers and contractors across all fifty states and the District of Columbia with innovative payment solutions backed by Truist’s financial strength and commitment to point-of-sale lending excellence.