For Contractors

Offer homeowners easy, affordable monthly payments

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Close More Deals

Customers are more likely to make a purchase if a payment plan is offered. 1

Increase Project Size
Increase Project Size

Financing gives homeowners greater spending power to increase project scopes.

Grow Your Business
Grow Your Business

When you advertise financing options you could significantly increase your leads.

Benefit homeowners—and your business

For You

  • Offer loans as low as $500 for home repairs, remodeling, HVAC, and more
  • You get paid upfront with fast funding as soon as two business days after approval
  • Simple enrollment process
  • Onboarding and ongoing support from a dedicated team to ensure program success

For Your Customers

  • Hassle-free digital application
  • See loan options with no obligation or impact to their credit score
  • Decisions in seconds
  • Best-in-class customer service and 24/7 support with the LendingPoint app

Effortlessly manage homeowner financing

Access revenue, real-time reports, loan approvals, and more, in your online portal.

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Frequently asked questions

Who is LendingPoint?
LendingPoint is an online provider of unsecured personal loans for consumers across the credit spectrum. Our proprietary AI-driven technology drives a better lending and borrowing experience by finding more reasons to say “yes.” With hundreds of thousands of customers, we’ve expanded into small business and merchant point-of-sale lending solutions to further unlock access to affordable loans.
What types of contractors do you serve?
We serve most contractors who provide exterior and interior home improvement services as well as maintenance and repair jobs.
What can homeowners use financing for?
Homeowners can use financing for anything from emergency repairs to home improvement projects.
How quickly will my homeowners know they are approved?
Once an application is submitted, it takes only seconds to see their loan offers.
What is your approval rate?
Average approval rates can vary based on the credit picture of the applicant.
How do homeowners apply?
Homeowners have two options to apply: a simple online application using your device, or you can email an application link to apply on their device at their convenience. You can track the status of your customer’s applications in your business portal.
What financing options do you offer?
We offer unsecured personal loans. Homeowners can view their loan options (with no impact on their credit) and select the best terms for them. Promotional financing may also be available.
Can work start the same day after a loan is approved?
There is no waiting period to begin once a loan is approved.
How much can a homeowner finance?
Minimum $500, Maximum $20,000.
What if my homeowner doesn’t pay their loan?
Our loans are an agreement between the customer and LendingPoint. You hold no responsibility or risk if they do not pay.
What do I need to submit to get paid?
To receive funds, you will submit a request in your business portal. Once the homeowner verifies the work is complete with us, the money will be deposited into your bank account in one to two business days.

Explore all the possibilities with us

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USA PATRIOT Act Notice: Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

2. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning FinWise Bank is the FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106. The federal agency that administers compliance with this law concerning Coastal Community Bank is the Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480. The federal agency that administers compliance with this law for LendingPoint is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Click here to see our current list of state licenses

California residents click here ››

Wisconsin residents click here ››

Ohio residents click here ››

LendingPoint's NMLS #1424139 Visit NMLS Consumer Access