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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This program provides a revolutionary mobile system for customer applications and funding documentation. Funding transaction is processed like a credit card.
- Loans up to $55,000
- Fixed APR Plans from 0% to 11.99%
- No Interest, No Payment Plans up to 18 months
- No Interest with Minimum Payment Plans
- No Completion Docs
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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 Daikin allows contractors to participate in our financing clearinghouse. As a Daikin 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 daikin@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 daikin@egia.org
Great for contractors who are familiar with consumer finance and looking to offer a larger variety low monthly payments and long terms for cash customers. The customer application and funding process is paperless. When used correctly, you can see higher than average approval rates; lender uses the highest FICO and household income.
- Loans up to $45,000
- Fixed APR plans from 0% - 6.99%
- No Interest No Payment Plans up to 24 months
- Terms up to 12 Years
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RATE SHEETS
Please call Contractor Services to confirm at 866-797-7343
Customizable Sales Book Inserts
The 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.
- Loans up to $45,000
- Fixed APR plans from 0% - 6.99%
- No Interest No Payment Plans up to 24 months
- Terms up to 12 Years
An exclusive HVAC leasing program for Johnstone-Ware Dealers.
For some customers, the cost to upgrade to a high efficiency project is too great making them reluctant to invest in the best solution. The HVAC Lease program is for those homeowners needing to upgrade their HVAC systems but have little upfront cash and may be reluctant to take on a large monthly payment or couldn’t qualify for typical unsecured lending.
- Residential & Commercial Leasing Available
- Amounts from $500 - $100,000
- No Income Verification
- Purchase option with $1 Buyout
- Credit Decisions in 2 minutes for transactions under $10,000
- Customers looking to make large upgrades to their facility
- Customers who want to take advantage of extended repayment terms to lower their monthly payments
- Loan amounts to $5,000,000+
- Extended repayment terms out to 20 years
- Fixed interest rate of 6% APR
- Progress payments available
- Customer must own the property
- Loan is secured to the building
- Fixed 3% dealer fee on all commercial loans
- Small and medium sized HVAC and lighting projects
- Customers who want the added tax benefits of a lease
- Lease amounts start as low as $5,000
- No financial statements required for projects under $150,000
- Leasing allows for accelerated depreciation tax savings
- Customer does not need to own the property
- Maximum term length is 60 months
- Interest rates are dependent on the customer's credit profile