Homeowner Financing
Close More Projects with Homeowner Financing
Turn “that’s a lot” into a yes. Add financing right to your estimates so customers can repay over time, while you get paid faster, in full. So you can win bigger jobs without changing your price.
Instant signup. 14 day free trial. No credit card required.
Offer financing right from your estimates and invoices
Financing options appear directly on your estimates and invoices. Customers can explore home improvement and other loan options from multiple lenders through Acorn Finance and move forward with funding in place
Access to a network of 30+ lenders
We partner with Acorn Finance, a multi-lender marketplace, so your clients have more financing options to help fund projects.
- Competitive interest rates from a network of trusted lenders
- Loans available up to $100,000 with terms up to 20 years
- Funding could be available in as little as one business day
Instant signup. 14 day free trial. No credit card required.
Offer financing without extra steps
Financing options are included with your estimate, so customers can explore loan options through a simple, streamlined process.
- Customers get instant, personalized loan offers
- They can compare offers and apply directly with the lender
- The lender handles everything, so you don’t take on any risk
Instant signup. 14 day free trial. No credit card required.
Make bigger jobs easier to say yes to
Financing gives customers more flexibility, so they can move ahead instead of delaying, downsizing, or walking away.
- Help customers move forward with larger projects
- Cover change orders or added project scope
- Make unexpected repairs easier for your customers to manage
Instant signup. 14 day free trial. No credit card required.
Know when it’s time to follow up
Get notified when your customer is approved for financing, so you can reach out at the right moment and move the job forward.
- Follow up with your customer while the project is top of mind
- Get started on scheduling work and ordering materials
- Keep jobs moving without delays or guesswork
Instant signup. 14 day free trial. No credit card required.
Acorn Finance works with lenders your clients will love
Acorn Finance partners with a network of the top lenders in the industry, offering fast applications for loans up to $100,000 with competitive APR rates and funding in as little as one business day.
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Keep your business moving forward with Joist
Financing helps you win the job. These tools help you build momentum. Build your online reputation, access funding when opportunity knocks, and grow your business with confidence.
Boost Online Reviews
Automatically send review requests after you get paid, to build a stronger reputation and win future work. No extra effort on your part.
Access Business Funding
Apply for business funding inside Joist. Cover materials, payroll, or gaps between jobs, without the lengthy loan application process.
Homeowner Financing FAQ
Financing is built right into your estimates and invoices. All you have to do is turn on the “Show Homeowner Financing” button when editing an estimate or invoice. You can also go into your Settings to automatically enable financing for all of your existing invoices and any new estimates or invoices you create in the future.
Then, when you send your estimate or invoice, your customer can explore loan options through Acorn Finance from a network of lenders—no extra steps or tools needed.
Once your customer is approved and funding is in place, they can use those funds to pay your invoice in full—so you’re not waiting on payments over time.
For your clients, it’s a faster option than traditional loans. Approvals happen quickly and funds can be available in as little as one business day.
No. There’s no cost to you to offer financing through Joist. Your customer works directly with the lender, and you get paid as you normally would.
No. The loan is between the homeowner and the lender. You’re not responsible for repayment or involved after financing is approved. So you can win bigger jobs, without a bigger risk.
Customers can explore loan options using a soft credit check, which doesn’t impact their credit score. A full check may occur if they choose to move forward with a loan.
Free Resources on Homeowner Financing and Business Growth
Learn how to offer financing, talk through pricing, and help customers move forward. Plus, get templates, calculators, and guides for every part of running your business.
Explore all articles & guides on financing & growth
Our free guides cover financing options, how they work, and how to use them to support your business and your customers.
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