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Financing

Offering financing gives homeowners more flexibility to fit larger home improvement projects into their monthly budget. Instead of delaying needed repairs or choosing a lower-cost solution, customers can compare available payment options and move forward with the project that best meets their needs. For contractors, financing often leads to higher close rates, larger average project sizes, and a better overall customer experience.

Pasha Funding is designed for residential home improvement businesses that sell higher-ticket products and services where financing can help homeowners move forward. Our platform is a great fit for HVAC contractors, roofing companies, plumbers, electricians, kitchen and bathroom remodelers, flooring installers, window and door companies, painters, solar installers, landscaping contractors, deck builders, fencing companies, garage door installers, and many other home service professionals.

Pasha Funding works with multiple participating lenders that consider more than just a credit score when reviewing applications. Depending on the lender and the applicant’s overall financial profile, financing options may be available for customers with credit scores as low as 550 FICO. While approval is never guaranteed, access to multiple lenders may improve the chances of finding an available financing option. Every application is evaluated according to each participating lender’s individual lending criteria.

No. Once financing has been finalized, the participating lender manages the loan and collects monthly payments directly from the borrower. Your business doesn’t have to send invoices, collect payments, or manage financing after the project is complete. You stay focused on delivering great work while the lender handles the loan servicing.

After the borrower accepts the financing agreement and completes any lender funding requirements, payment is issued according to the participating lender’s funding process. Instead of waiting on customer payments, contractors receive funds directly from the lender, making cash flow more predictable and allowing you to focus on completing the job.

Many homeowners receive a financing decision within minutes after submitting their application. While some applications may require additional documentation or review, the process is designed to keep projects moving without unnecessary delays. Fast decisions help contractors discuss payment options during the estimate instead of waiting days for an answer.

Qualified applicants may be eligible to finance projects up to $100,000, depending on the lender and individual qualifications. Financing can be used for everything from emergency HVAC replacements and roof repairs to complete kitchen remodels, bathroom renovations, windows, solar, and other home improvement projects. Larger financing limits make it easier for homeowners to invest in the right solution instead of settling for a temporary fix.

Every homeowner’s financial situation is different, which is why Pasha Funding gives contractors access to financing through multiple participating lenders. Depending on the lender and applicant qualifications, available options may include same-as-cash promotions, deferred interest offers, promotional financing, and long-term fixed monthly payment loans. Presenting multiple financing solutions instead of a single payment option helps more homeowners find a way to move forward with their project.

No. Homeowners can check available financing options through a soft credit inquiry, which does not impact their credit score. If they choose to accept a financing offer and move forward with a participating lender, the lender performs a hard credit inquiry as part of the final approval process. This allows customers to explore available financing options before making a commitment.

Pasha Funding makes it easy to offer home improvement financing without changing the way you already sell. When you’re presenting an estimate, simply invite your customer to check available financing options through our secure online application. Many applicants receive a decision within minutes. If approved and the lender’s funding requirements are met, you complete the project and receive payment directly from the participating lender. It’s an easy way to help homeowners move forward while giving your team another tool to close more jobs.