A practical financing guide for contractors
Questions to help you compare written offers and prepare for a conversation with the provider.
A financing checklist for contractors
Start with the written project scope
Keep the project price, payment milestones, and changes to the work clear before discussing a financing option. Customers should be able to distinguish the construction agreement from the credit agreement.
Compare program agreements
Ask each provider for its fees, settlement conditions, cancellation process, and responsibilities when a customer disputes the work. Confirm when funds become available before planning payroll or materials purchases.
Explain the full cost
Present a monthly payment alongside the offered APR, repayment term, fees, and total borrowing cost. Avoid treating a calculator illustration as an approval or a quote.
Keep the next steps clear
Tell customers who receives their application and who can answer questions about the actual offer. Confirm what information the provider needs before collecting it.
Explore consumer financing and merchant payments to prepare questions for your provider.
Talk it through with a real person.
Every situation is different. Tell us where you are and we will walk you through the options that actually fit — no obligation, no pressure.