Contractor Financing
San Jose

Offer customer financing without adding complexity to your sales process.

With Pasha Funding, qualified homeowners throughout San Jose, complete one secure application to compare financing offers from a network of participating lenders. If approved, and lender funding requirements are met, loan proceeds are paid directly to your business while participating lenders handle underwriting, funding, servicing, and payment collection.

Why Residential Contractors in San Jose Choose Pasha Funding:

Find answers to common questions about contractor financing in San Jose, customer financing programs, home improvement financing, approvals, funding, dealer fees, and getting started.

The best way for San Jose contractors to offer customer financing is through a multi-lender point-of-sale (POS) financing platform. Instead of relying on a single lender with limited approval criteria, contractors can give qualified homeowners access to financing offers from multiple participating lenders through one secure application. Depending on lender eligibility requirements, financing options may include:

• Prime & Near-Prime Installment Loans: Competitive fixed-rate financing for qualified borrowers.
• Financing for a Wider Range of Credit Profiles: Participating lenders may consider applicants with credit scores as low as 550 FICO, subject to individual underwriting.
• Promotional Financing Programs: Eligible borrowers may qualify for promotional financing options offered by participating lenders.
• Flexible Repayment Terms: Loan terms of up to 20 years may be available through certain participating lenders, helping reduce monthly payments on larger projects.

Pasha Funding makes it easy for San Jose contractors to offer financing during the sales appointment without handling lending, underwriting, or loan servicing. Qualified homeowners complete one secure online application and can compare financing offers from multiple participating lenders.

The process is simple:

• One Secure Application: The homeowner completes a short digital application from any smartphone, tablet, or computer.
• Compare Financing Offers: Participating lenders evaluate the application based on their own underwriting criteria and present available offers, when approved.
• Direct Contractor Payment: Once all lender funding requirements have been satisfied, approved loan proceeds are disbursed directly to your business.
• Lender Manages the Loan: The participating lender handles underwriting, funding, servicing, payment collection, and customer support throughout the life of the loan.

Yes. Many San Jose homeowners who don’t qualify for traditional bank financing may still have financing options through our network of participating lenders. Because multiple lenders review each application, qualified borrowers with a broader range of credit profiles may have additional opportunities to obtain financing.

Benefits include:

• Financing options for credit scores as low as 550 FICO through certain participating lenders.
• Multiple lender network that increases financing opportunities compared to applying with a single institution.
• Flexible repayment terms that may help lower monthly payments.
• More homeowners able to move forward with needed repairs, renovations, and home improvement projects.

Loan approval, rates, and terms are determined solely by each participating lender.

Once financing has been approved and lender funding requirements have been satisfied, the participating lender manages the loan from start to finish.

That means:

• The lender services the loan.
• The lender collects all monthly payments.
• The lender handles customer support.
• The lender manages repayment and loan servicing.

San Jose contractors simply complete the project and receive payment directly from the participating lender once funding conditions have been met.

Yes. Pasha Funding is designed to make financing part of the normal sales conversation.

During the estimate, homeowners can complete one secure online application using a smartphone, tablet, or computer. If approved, they can review available financing offers from multiple participating lenders before deciding whether to move forward.

This allows San Jose contractors to present financing while discussing project options, helping homeowners better understand affordable monthly payment opportunities.

Many residential improvement projects may qualify for financing through participating lenders on the Pasha Funding platform. Eligibility ultimately depends on lender guidelines and the nature of the project.

Commonly financed projects include:

• Roofing repairs and roof replacements
• HVAC installation and replacement
• Plumbing and sewer line repairs
• Electrical upgrades and panel replacements
• Kitchen and bathroom remodeling
• Window and door replacement
• Flooring installation
• Concrete and foundation work
• Home additions and renovations
• Exterior improvements, landscaping, fencing, and outdoor living spaces

Joining Pasha Funding is simple. Once enrolled, contractors can begin offering financing to qualified homeowners using one simple application.

Getting started is easy:

• Complete a short contractor inquiry form with your business information.
• Speak with a financing specialist to determine the best financing programs for your business.
• Receive access to the financing platform and begin offering financing during sales appointments.
• Help more homeowners move forward by presenting flexible monthly payment options while participating lenders handle the financing process.

With Pasha Funding, San Jose contractors can add customer financing to their sales process without changing how they sell or taking on the responsibilities of being a lender.