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GEOSmart Financing Clearinghouse

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Installment+ Loan Program


Program Highlights


This program features a revolutionary paperless application process and the transaction with the customer is processed like a credit card.

Program Highlights

  • 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

Revolving Credit Program


Program Highlights


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.

Program Highlights

  • 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

Flex Loan Program


Program Highlights


Access multiple programs with one call including installment payments, same-as-cash options, no equity 2nd mortgages as well as programs for credit challenged customers. No proof of income is needed on unsecured loans under $15,000. This is a great option for contractors who need a variety of solutions in one place.

Program Highlights

  • Unsecured installment loans to $45,000
  • Secured “Second-Look” options available
  • Fixed APR buydown options as low as 2.99%
  • Terms up to 20 years
  • Stage funding is available
  • With payment deferred interest options for 6, 12, 18 or 24 months
  • No interest / no payment options for 3, 6, 12 or 18 months
  • No interest with equal monthly payment options available

Express Loan Program


Program Highlights


Great for contractors new to financing. The customer application process is paperless and the funding is simple. Note: Does not finance photovoltaic solar.

* Interest waived if loan is paid in full during same as cash term

Program Highlights

  • Unsecured installment loans to $45,000
  • No interest / no payment Same As Cash options up to 24 months*
  • Fortiva 2nd Look Financing option for credit challenged customers
  • Fixed APR promotions from 2.99%-9.99%
  • No interest with equal monthly payment options available
  • Terms to 12 years
  • Close in home in minutes with multiple paperless application options

Premium Express Loan Program


Program Highlights


This is an enhanced version of the Express Loan Program for premium members. This program features a higher maximum loan amount, extended repayment terms and a 0.5% monthly contractor rebate on all funded loan volume. *Interest is waived if loan is paid off in full during same as cash term.

Program Highlights

  • Unsecured installment loans to $65,000
  • No interest / no payment Same As Cash options up to 24 months*
  • Deposits up to 50% of the loan amount
  • Combo Loans for Solar customers
  • Fortiva 2nd Look Financing option for credit challenged customers
  • Fixed APR promotions from 1.99%-9.99%
  • No interest with equal monthly payment options available
  • Terms to 20 years
  • Close in home in minutes with multiple paperless application options
  • Financing for most projects including HVAC, Geothermal, and Solar PV.
  • 0.5% monthly contractor rebate on all funded loan volume (Example: $100,000 in funded loan volume = $500 contractor rebate)

Web Loan Program – Canada


Program Highlights


This program is ideal for contractors who prefer to use a web-based financing platform and do not want to pay any merchant fees. Note: This program is only available to contractors in Canada.

Program Highlights

  • Amortizations available up to 15 years (always the lowest payment)
  • Unique branded, customer facing pre-approval application available
  • Contractor commissions for any payment protection package
  • Consumer rates from just 6.99%
  • Paperless process with e-signature contracting
  • No interest (0%) equal payment programs starting at 3.9%
  • Multi-lender platform allows us to extend more approvals and say yes more often

SolPower Lease Program


Program Highlights


Great for homeowners interested in worry-free lifetime system monitoring & maintenance, with zero down payment, predictable monthly payments & no dealer or home owner fees. Lessor monetize solar credits to lower the homeowner’s monthly payment. Note: This program is only available for solar installations and to contractors in AZ, CA and HI.

Program Highlights

  • Incentives passed to homeowner in lower lease cost
  • Buyout option after the 6th year or at end of term
  • Lease can be paid off or assumed in the event of property sale
  • $0 down
  • 20 Year Term
  • Warranty, monitoring, & insurance coverage for term of lease.
  • Up to 20% upfront payment to reduce monthly payment
  • Option of zero annual escalator or a 2.9% annual escalator

SolPower Loan Program


Program Highlights


Great for homeowners who want to own their solar system. Homeowners benefit from low monthly payments, 30% of the loan is interest and payment free for the first 12 months. With no money down and fixed rates, homeowners can maintain their energy costs while utility costs rise. Note: This program is only available for solar installations and to contractors in AZ, CA, CO, FL, GA, HI, OH, OR, MI, MN, NC, NJ, SC, TN, TX, WA, & UT.

Program Highlights

  • Retail Installment Agreement – 30% held in interest-free (30% ITC)
  • Customer owns system and all tax and solar incentives directly
  • Fixed rates from 10 years at 1.99% to 20 years at 4.99%
  • Loan is unsecured and does not use customers home as collateral
  • Loan covers materials, installation & development up to 100%
  • 10, 12, 15 or 20 year terms
  • $0 down payment options
  • No prepayment penalty
  • Tax incentives can be held in a no interest, no payment balloon for 12 months
  • Equipment warranty & monitoring provided for loan term
  • Qualify with FICO scores to 640

Supplemental Financing Program


Program Highlights


This is another great option for contractors looking to supplement their traditional financing offerings with a solution that serves customers with challenged credit.

Program Highlights

  • 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

HVAC Lease Program


Program Highlights


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.

Program Highlights

  • 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

Commercial Financing Program


Program Highlights


This program is ideal for commercial businesses who are looking to finance larger comprehensive upgrades to their facility. Offer this program to your commercial customers or use it to finance your own property improvements. Note: The customer must own the commercial property in order to utilize this program.

Program Highlights

  • Loans from $25,000 to $5 Million+
  • Loans can exceed $5 million based on property value and company financials
  • Fixed interest rate of 6% APR (2.75% plus prime)
  • Loan terms of 5, 10, 15 or 20 years
  • Progress payments available
  • Fixed 3% dealer fee on all loans
  • Credit decisions within 48 hours
  • Simple online application process

Commercial Leasing Program


Program Highlights


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.

Program Highlights

  • 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

Working Capital Loan Program


Program Highlights


This program offers short-term working capital for your own company through true business loans that can help build your business’ credit. It provides faster access to working capital and requires less paperwork than a bank loan.

Program Highlights

  • Terms from 3 – 24 months
  • Competitive transparent pricing with fixed daily payments
  • Quick application process with same-day approvals
  • Loans are funded within 48 hours with money direct deposited into borrowers account
  • Borrowers are eligible to renew their loan for additional funds

Square One – The Solution for Contractors New to Finance


Program Highlights


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.

Program Highlights

  • Lends up to $35,000
  • $300 Minimum allows customers to finance repairs
  • 6 & 12 Month Deferred interest options
  • Dedicated Account Manager
  • No monthly minimums

Consumer Direct Loan Program


Program Highlights


Great for contractors who don’t want to manage the loan process or have limited time in business and trade credit. Customers can apply from your website and money is deposited directly into your customer’s account, making them a cash buyer.

Program Highlights

  • Fixed APR promos starting at 3.99%
  • Loan amounts from $5,000 to $100,00
  • Customers can apply directly from your website
  • No dealer fees
  • Easy to join – No contractor enrollment requirements
  • Customers can finance HVAC, Solar, Remodeling, or Pools

Note: Program is for customers with good to excellent credit.

Installment+ Loan Program
Revolving Credit Program
Flex Loan Program
Express Loan Program
Premium Express Loan Program

Premium

Member

Square One Program
Consumer Direct Program
Web Loan Program
Supplemental Financing Program
HVAC Lease Program
Commercial Financing Program
Commercial Leasing Program
Working Capital Loan Program