One size does not fit all with shoes or a customer's ability to pay you for the services you provide. But, EGIA makes it simple for you to do what you do best. We work with you to find and secure the best financing solutions for you to offer your customers. Whether it's a Same-As-Cash loan, Revolving line-of-credit, or solutions to finance your own business, EGIA is the only non-profit organization that keeps your specific business' success in mind.
Even though, we have multiple programs available, we strongly suggest that you select one program to enroll in. If you find that the program doesn't suit your needs or you are unsure which is best for you, contact EGIA for assistance.
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– David Mastrangelo, Director of Dealer Marketing, Goodman Manufacturing
This program features a revolutionary paperless application process and the transaction with the customer is processed like a credit card.
- Unsecured installment loans to $55,000
- Fixed APR promotions from 0% to 11.99%
- Terms to 12 years
- Close in home in minutes
- No interest / no payment options for 6, 12 or 18 months
- No interest with payment options for 6, 9, 12, 18 or 24 months
Customizable Sales Book Inserts
Customizable Finance Options Flyer
Web Pages
Standard Installment Loan
No Interest with Payments
- 6 Months No Interest w/ Payments – 36 Months
- 6 Months No Interest w/ Payments – 84 Months
- 9 Months No Interest w/ Payments – 84 Months
- 12 Months No Interest w/ Payments – 36 Months
- 12 Months No Interest w/ Payments – 84 Months
- 18 Months No Interest w/ Payments – 84 Months
- 24 Months No Interest w/ Payments – 84 Months
No Interest No Payments
- 6 Months No Interest & No Payments – 84 Months
- 12 Months No Interest & No Payments – 84 Months
- 18 Months No Interest & No Payments – 84 Months
Reduced Rate APR (60 Month Term)
Reduced Rate APR (84 Month Term)
Reduced Rate APR (120 Month Term)
- 5.99% Reduced Rate APR – 120 Months
- 7.99% Reduced Rate APR – 120 Months
- 9.99% Reduced Rate APR – 120 Months
Reduced Rate APR (144 Month Term)
- 6.99% Reduced Rate APR – 144 Months
- 7.99% Reduced Rate APR – 144 Months
- 8.99% Reduced Rate APR – 144 Months
- 9.99% Reduced Rate APR – 144 Months
Reduced Rate Apr w/ 18 Months Interest Only Payments & 12 Year Term
- 3.99% APR w/18 Months Interest Only Payments
- 4.99% APR w/18 Months Interest Only Payments
- 5.99% APR w/18 Months Interest Only Payments
- 6.99% APR w/18 Months Interest Only Payments
- 9.99% APR w/18 Months Interest Only Payments
0% APR with Equal Payments
Put a Finance Button on Your Website
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+ Who is EGIA?
EGIA is a contractor training and professional development trade association which specializes in helping home improvement contractors boost their bottom line while increasing sales volume and profits. Our partnership with Amana allows contractors to participate in our financing clearinghouse. As a Amana dealer, we work with you to find and secure the best financing solutions for you to offer your customers.
+ How do I sign up for the Installment+ Loan Program?
Fill out the Installment+ enrollment application and Email it to amana@egia.org or fax it to 800-506-9073.
+ Am I eligible for this program?
This program requires around two years in business and satisfactory credit on the business and principal(s) as well as active licensing, current insurance coverage, and a clean BBB rating.
+ Why am I subject to credit approval?
All lenders require financial information to make sure the dealer applying to offer the financing is solid and will be able to service their own installations for warranty work. Lending organizations are "holder in due course", meaning that they are required by law to cover any warranty work for a financed installation if the dealer goes out of business.
+ What is the enrollment process?
- Complete the enrollment application and submit it to EGIA
- Upon approval, you will receive a welcome email with a link to complete your enrollment
- Complete enrollment by entering the information and running a test transaction
- Now you are ready to submit loan applications
+ Why do I have to pay dealer fees?
This allows you to offer the best possible financing solutions for your business and customers. Dealer fees are to set to ensure that a greater amount of customers will be approved in order to sell the job with the interest rate and terms your customers need. When using programs without dealer promotions, you are more apt to lose jobs due to higher customer credit constraints.
+ How do I get paid?
Funding is processed through your credit card processing software. Upon credit approval, your customer will be provided with a 16 digit account code, CVV code, and expiration date. You would process this as if it were a standard MasterCard. Check your contract to find out your hand key rates.
+ What is the benefit to funding through a credit card?
- Saves time: No longer will the you need to revisit the homeowner for forgotten signatures on completion docs
- Install Next Day: Homeowners accept the terms and conditions verbally or by email. You don't have to wait on loan docs to be signed
- Get paid faster: Funding isn't held up with the bank needing homeowner verification that the job is complete
+ Are there options to lower my merchant service costs?
Yes, EGIA works with providers that can provide reduced fees. These alternative options are subject to enrollment and approval. Contact an EGIA representative for more information.
+ Are there other finance options available?
Yes, please visit the Financing Clearinghouse page.
+ Who do I contact for more information?
Contact an EGIA representative by calling 888-691-0387 or emailing amana@egia.org
Great for contractors new to financing. The customer application and funding process is paperless, completed using a mobile app and esign documents.
- Unsecured installment loans to $65,000
- Fixed APR promotions from 1.99% - 9.99%
- Terms to 12 years for HVAC
- Terms to 20 years for solar
- No interest with equal monthly payment options available
- No interest/no payment Same- As-Cash options up to 24 months
- Close in home in minutes with paperless application options
- Optional 2nd Look Yes Loan option for credit challenged customers
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RATE SHEETS
This program allows homeowners to get an open line-of-credit with their chosen contractor that can fund current and future projects. This program features limited paperwork, easy funding and several different financing promotions.
- Unsecured financing up to $35,000 with approved credit
- Special APR promotions from 5.90% to 12.90%
- Fixed monthly payments as low as 1.75%
- No interest with payment options for 6-18 months
- No interest with equal monthly payment options available
Square OneThe Solution for Contractors New to Finance
If you want to start using consumer finance solutions for the first time or need personal support when offering finance, Square One is for you. Square One provides your customers with fixed interest rates and helping hand to you. The Square One representatives will help you decide what programs to offer and show you how to offer them.
- Lends up to $35,000
- $300 Minimum allows customers to finance repairs
- 6 & 12 Month Deferred interest options
- Convenient training via webinars and training website
- Dedicated Account Manager
- No monthly minimums
This is another great option for contractors looking to supplement their traditional financing offerings with a solution that serves customers with challenged credit.
- Credit scores as low as 550 considered
- Standard APR is 15.75%
- Deferred interest up to 12 months available
- Lines of credit up to $15,000
- No penalty APR rates or loss of promotional terms for late pays
- No annual or monthly fees
- Repeat purchase capability
This program is ideal for commercial businesses who are looking to lease small and medium sized upgrades to their facility on a short-term of 5 years or less.
- Lease amounts starting as low as $5,000
- Terms up to 60 months
- Competitive interest rates
- Simple credit application & fast credit turnaround
- No financial statements required for projects under $150,000
This comprehensive lease program provides affordable payment plans to both residential and commercial customers. This quick, easy-to-use and streamlined program helps contractors increase their close ratio by approving a wider range of projects and customer credit profiles.
- Lease terms up to 6 years with rates as low as 9.90%
- Lease minimum just $500 and up to $20,000 (residential) / $100,000 (commercial)
- Single solutions provider for customers with great and challenged credit
- Easy online application process with instant credit decisions under $10,000
- Income verification is generally not required
- 100% of invoice amount is paid to the contractor within 24 hours of confirmed installation
- Commercial start up financing programs offered up to $25,000
Approves up to 77% of deals others decline.
Full service program with flexible underwriting to give you more approvals on customers that other lenders decline. Competitive financing terms for buyers – perfect credit not required. Simple, paperless process.
- Unsecured installment and revolving loans up to $55,000
- Terms up to 120 months or payment factors as low as 1.5% of the amount financed
- Low fee APR buy-down options
- Approvals for A-D credit
- Paperless application and document signing options
- Split tickets considered
- No prepayment penalty
Available for contractors in California, Florida and Missouri
Imagine increasing your project pipeline and boosting your bottom line.
We understand it can be challenging to find ways to grow your business. As a Ygrene authorized contractor, we'll help you secure larger projects with property owners who are ready to start now. Ygrene provides the training, tools and resources you need to deliver an affordable, competitive home improvement financing solution.
A competitive alternative to traditional financing.
- No money down, 100% financing
- Based on home equity, not FICO
- No payment for up to 12+ months*
- Fixed rates with 5 to 30-year terms
- Repaid with property taxes
*Subject to underwriting guidelines and approvals; timing of first payment depends on date of funding; interest accrues during entire deferred payment period.
It's Time to Close More Sales. Amana Brand Can Help. When you combine Amana brand's industry leading product warranties with consumer financing, it's easy for customers to say "YES!". By securing finance for your customer's purchase, you are eligible to receive money back.
- Amana is offering two great rebate opportunities for independent dealers.
- Finance Rebate Promo: Get 3% back when you finance your customer's high efficiency product(s) installation.
- QuickStart Bonus: Finance 5 customers' Amana brand installations and get $2,500. Click the QuickStart Bonus Claim for details.
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AMANA CONSUMER FINANCE BUY-DOWN PROGRAM
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AMANA CONSUMER FINANCING $500 QUICKSTART BONUS
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