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description= Acorn Finance helps contractors offer fast, affordable financing for customers with good & bad credit. Get quick approvals, competitive rates, and simple tools to grow your business.;
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financing can provide customers an affordable solution that allows them to make home improvements or repairs in addition good and bad credit borrowers can qualify for financing acorn finance offers contractors a user friendly and convenient way to offer customers financing the service is free for the contractor and the borrower customers can apply quickly and receive same day funding contractors can visit acorn finance to sign up and learn more about what they can offer once you are an approved contractor you can offer home improvement loans up to 100 000 with interest rates starting at just 4 49 what is financing for contractors contractors can offer financing for customers allowing customers to pay over time while the contractor still gets paid in full upfront contractors can provide services to connect customers to lenders who can loan money to homeowners this means you as the contractor does not actually lend the money or assume any risk the contractor can act as a bridge to provide customers financing acorn finance is a top rated option for contractors that want to offer competitive financing for customers how do you offer financing to customers contractors wondering how to offer financing to customers should visit acorn finance to get started contractors can submit a quick and easy application once your application is approved acorn finance will provide the tools and resources you need to start offering financing contractors can keep 100 of profits and enjoy no sign up fees subscription fees or dealer fees how do contractors offer financing the most common way for contractors to offer financing is to partner with third party lenders this means the contractor connects the homeowner with a lender that provides financing acorn financing can help contractors connect homeowners to trustworthy lenders with competitive offers contractors can help homeowners complete the application and approval process online and receive instant pre qualification offers for customers is offering financing right for me there are more reasons to offer financing than there are not to offer financing in most cases there is no reason for a contractor to not offer financing studies prove that offering financing can increase revenue and job size and improve closing ratios 5 reasons you should offer financing we have covered 5 reasons why contractors should offer financing however there are many more reasons why you should offer financing offering financing is one of the best ways to expand your business and close more deals if you are hesitant to give it a try just remember it s completely free to offer financing through acorn finance chances are once you start offering financing you will be in disbelief there was a time you did not offer financing however if for any reason you want to stop offering financing it s easy and penalty free through acorn finance 1 financing helps make the sale for large orders a common scenario contractors experience is delivering a bid to a homeowner and receiving a shocked response due to the project cost if homeowners can t afford the project they can scale back the scope of the project or do it in phases in some cases they may have to delay the start or decide not to do the project at all none of these options are ideal for contractors being able to offer customers an affordable financing solution with easy qualification standards can put them at ease customers will be more likely to complete projects using financing 2 allow payment flexibility for your customers contractors can offer financing options with terms up to 12 years payment deferral and no early pay off penalty homeowners can take advantage of flexible terms and payments some lenders that partner with acorn finance may offer payment deferral so that homeowners do not have to start repayment until the project is complete 3 boost sales by offering clients a monthly payment contractors can increase sales and project size by offering financing options with affordable monthly payments if homeowners have a budget and your estimate exceeds their budget they can put some money down and finance the rest you can help homeowners estimate monthly payments to find a solution that fits their budget 4 close rates tend to jump 18 studies show that contractors that offer financing see close rates increase about 18 and job sizes increase about 30 evidence states that offering better payment options encourages customers to pick better solutions since offering financing through acorn finance costs contractors zero dollars this is a big increase in revenue without additional expenses 5 increase margins by upping your work price if you have a well established company with five star reviews and a lot of repeat and referral business you may be able to charge more for your work in addition offering affordable financing options can make customers less focused on the total cost providing customers a way to pay for your services can also reduce the chance of them shopping around for estimates if you can provide the service they need and they want you to do the work and you have a payment option that works for them it s likely they will just say yes to your estimate how do you finance a customer it depends what kind of financing are you offering are you financing a customer with your personal funds are you offering a customer a payment plan do you partner with a company like acorn finance in some cases a contractor may want to offer in house financing if they do they should seek legal advice so they can determine how to offer financing in house financing may be profitable but it can also be very risky there really is no reason to take the risk with so many safe options available in some other cases you may offer a payment plan say the customer has a project that will be completed in phases if they can afford to pay for the project in cash as each phase is completed you may be able to work with them make sure you get a written agreement though even if they are a close friend or family member in most cases it s best to leave financing to a 3rd party lender this eliminates any additional risk of financing or payment plans the contractor may assume if you partner with acorn finance your customer can simply apply online or use a mobile application to check financing offers if they feel the financing offers are fair and one can work for them they can agree to have the work done the customer will finalize the approval with the lender and receive funds while you showed them the best way to finance their project they are essentially a cash customer in your eyes should i give a contractor a deposit in some cases it may be normal to pay a deposit to your contractor before they have completed any work however you should be very careful when doing so a deposit of 10 or in some states even 20 may be acceptable it depends what the state license board allows in most cases you can find contractors willing to provide free estimates however this does not mean you should call them all and invite them to your home there should be a serious due diligence process that goes into picking a contractor that will be working in or near your home you will want to find a reliable trustworthy and experienced contractor with a superb reputation this kind of contractor may cost more but it s likely worth every extra penny if you trust a contractor and have spoken to previous customers or maybe you were even referred by one you can give them a deposit with confidence afterall it s not completely unreasonable for them to ask for one once you hire them they are going to be investing their own time and money into your project in hopes that you fulfill your end of the agreement a deposit can give you both a little skin in the game how much money should you give a contractor up front as we mentioned in the previous section you should check state license boards in most cases it s acceptable to pay a contractor a 10 to 20 deposit if a contractor needs funds to purchase materials the homeowner should pay the supplier directly rather than giving funds to the contractor before the project is complete whether you are required to pay a deposit or not you should make sure that payment terms are clearly stated in your agreement realistically a deposit more than 10 is something you should avoid at all costs there are plenty of high quality contractors to choose from as you gather estimates you should ask questions such as how much deposit will be required in addition as a contractor that wants more business you should ensure to follow all guidelines including deposits is offering financing risky for my business as long as you partner with reliable lenders or companies that allow you to offer financing it should not be risky while with any business transactions there are risks involved offering financing should not present significant risks that make you want to think twice when you partner with a reputable company like acorn finance you can minimize any risk involved with offering financing acorn finance vets all lending partners to ensure only good business transactions occur when you partner with acorn finance you do not have to sift through a long list of lenders and learn how they operate in addition when you use acorn finance you are removed as the middleman customers can use a mobile application to apply and secure financing within 60 seconds or less customers can compare personal loan offers without any impact to their credit score if they do qualify and want to proceed with the loan they can receive funds 24 48 hours after submitting the lender s online application this means that the customer is now responsible for paying you in full for the work you perform all you had to do was show them how easy financing is to secure if they default on the loan the contractor is not punished essentially the contractor is only responsible for connecting the borrower to the acorn finance platform the contractor does not collect or submit any application themselves nor do they need to present any offers the customer is responsible for doing any necessary due diligence on their own how do i safely offer my clients financing as a contractor as a contractor you are not in the business of financing however you are in the business of making money and quoting expensive projects you probably run into your fair share of curious homeowners on a day to day basis you get called out for a free estimate and hear a story along the lines of we have been wanting to do this project for years but have no idea what it will cost or if we can afford it now stop there you may be thinking another wasted hour of my time another expensive quote that the homeowner cannot afford but what if you could answer both of their questions not only can you tell them what the project may cost but you can show them that they can afford it while you may be eager to close more sales you will want to make sure that financing is safe for you and your customers as a contractor you have a few options when it comes to safely offering financing for customers there are a variety of companies that you can partner with to offer financing in addition you may want to make a friend at the local bank if they offer home improvement loans for good and bad credit if you do not want to offer financing you should at the very least have some recommendations on where a customer can go for financing if you are looking for a safe and hassle free way to increase revenue and offer financing you should visit acorn finance conclusion in conclusion acorn finance can help contractors offer financing for customers most of acorn finance s lending partners offer 1 000 1 500 2 000 3 000 4 000 5 000 10 000 20 000 25 000 50 000 up to 100 000 without any spending restrictions on approved loans customers can receive funds as a lump sum this means contractors can get paid right away and customers can pay over time offering financing is the key to growing your business and generating more revenue offer contractor financing and increase sales enroll today frequently asked questions still have questions what is acorn finance acorn finance is a platform that helps contractors offer fast affordable financing to their customers we partner with multiple reputable lenders so your clients can get competitive loan offers often in minutes while you could get paid in full upfront how does acorn finance help my business grow by offering financing you open the door to bigger projects higher close rates and customers who might otherwise delay or scale down their purchases financing can remove price hesitation and help you stand out from competitors can customers get a loan with bad credit yes many lenders offer loan options for borrowers with bad credit acorn finance allows you to compare offers from multiple lenders that consider more than just your credit score 3 will checking loan offers hurt my customer s credit no checking offers through acorn finance does not impact your customer s credit score some lenders will conduct a hard pull on your customer s credit score as part of the loan approval process what credit score is considered bad credit credit scores below 580 are typically considered bad credit though lenders evaluate applications differently how do i offer financing to my customers you will receive a unique link or digital application you can share with customers via email text or qr code they fill it out see offers from multiple lenders and choose the best one for them do i need to manage loan approvals or paperwork no acorn finance handles the entire loan process with our lending partners you focus on your work while we handle the financing logistics how quickly do i get paid in most cases contractors could be paid directly by the customer using the loan proceeds within 1 to 2 business days after financing approval how fast can my customers get approved prequalification can happen in under a minute with no impact on their credit score final approval often comes the same day 2 what types of projects are eligible home improvement remodeling hvac roofing landscaping solar installations and more if it is a legitimate home service or improvement project we can likely finance it are the interest rates competitive yes because we partner with multiple lenders customers can compare real personalized loan offers to find the most affordable option how much does it cost to use acorn finance offering financing through acorn finance is free for contractors with no setup costs and no monthly fees our lending partners pay us when loans are originated do i need to meet certain qualifications to sign up we work with licensed contractors in good standing during onboarding we will verify your business credentials is acorn finance secure absolutely we use bank level encryption to protect customer data and only trusted vetted lenders are part of our network will my customers credit scores be affected prequalification is a ...
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