Why Contractors Choose JBFin:

• Zero dealer fees and no yearly membership dues — while other platforms can run dealers $1,000 or more.
• New dealers get started right away, with no waiting period.
• Completely free to use, compliments of JB Warranties™.

Approvals that reach more customers.

Qualifying starts as low as a 550 credit score, with a soft-pull pre-qualification that won't ding the homeowner's credit and an overall approval rate around 54%. Answers in minutes. Applications are submitted online and decisions come back in under 15 minutes — fast enough to wrap up while you're still in the driveway. Loan terms that flex. Amounts range from $1,000 to $100,000, repayment runs 12 to 240 months, and APRs start at 9.99%, with zero-interest promotional plans available too. Foundation Finance underwrites the loans, while JBFin Express handles everything on the dealer side — including daily reporting, so the status of every customer is always clear.

The Process, Step by Step

Start with one application. Within a day of being approved, you'll receive a custom application link tied directly to your business. From there, share it freely — customers can apply on their own time, whether that's right after the appointment, late at night, or over the weekend. Then do what you do best: once a customer is approved and the job wraps, submit an itemized invoice along with a signed completion certificate. Payment follows quickly, landing in your account within 24 hours of job completion (or once the 3-day cancellation window closes, whichever is later). The support team is available 9 AM–7 PM EST, weekends included, so financing decisions keep moving even during your busiest stretches. For broader context on how financing has become part of the modern contractor sales process, ACHR News is a solid industry resource.

Put It Right on Your Site

Your JBFin link is portable — it works wherever you place it. Send it in a quick text or email, convert it into a QR code, or build an "Apply for Financing" button into your website so homeowners can start the process themselves. JBFin also supplies a pre-made apply-now button graphic; your web manager simply links your unique URL to the image, and any visitor can open the application with a single click.

Which Jobs Qualify

JBFin is designed for projects involving equipment or parts — think HVAC, plumbing, electrical, mini-splits, foundation repair, and duct work. Both owner-occupied homes and rental properties are eligible, while commercial work is routed through JBFin Commercial. Standalone service calls and new-construction projects fall outside the program. (Complete eligibility criteria are listed below.) Since financing pairs naturally with your warranty offering, it gives you another lever to raise average ticket size and deepen customer loyalty. Haven't started protecting your installs yet? Take a look at the HVAC Warranty Benefits built for contractors.

Want to Start Offering Financing?

Getting set up is free and takes only a few minutes — no fees, no contracts, no strings attached. Turn it on and lean on it for the jobs where it makes the difference.

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