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With Credit for Comfort, your customers have the flexibility to apply however they choose:
- Via email or text on their own device
- Through your website
- In the home on your device
- Through OnCall Air’s sales platform
Financing Made Simple
Easy to use, multi-lender financing app for closing residential and commercial jobs from anywhere
Want to learn more? Book a demo now!
INTRODUCING COMMERCIAL FINANCING
Finance Commercial jobs at $0 cost to you!
Flexible financing and same day approvals help you close more and bigger jobs
Hassle Free Financing to Power your Sales Team
Provide your sales team and technicians an easy way to offer commercial and residential financing options that meet a wider range of customer needs with a single-paperless application.
How does Credit for Comfort work?
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What you get
“Our average ticket has improved considerably. It’s easy to use, fast and plans are flexible so they work for most people’s budget”
Linda Tappen
Office Manager, Dick's Air Conditioning & Heating
“Our conversion rates have improved tremendously and our average ticket is up 25%. Customers keep recommending us to their friends and call us because we offer financing”
Jay Villegas
Owner and Manager, Frontier A/C Heating & Refrigeration
“Not only has Credit for Comfort helped raise my average ticket by 30%, but our sales have increased as well. We are now at a 46% close rate.”
Michael Key
SBS-NC,LLC
“Since using Credit for Comfort, I have closed 5 out of 5 deals and working on 10 more!”
Tony Geschwentner
Glassman Corporation
“We're one of the few small businesses to offer financing. Had a few customers reaching out just because they knew they could finance their purchase with us!”
Nilofar Moayyer
Quality air Experts llc
“Since the integration of Credit for Comfort with OnCall Air, I am able to sell higher tickets and get financing done even when I'm not with the customer. Very helpful during COVID19!”
Philip Aleo
Hopkins Air Conditioning
Our lending partners
Greensky - Prime
Choose from fixed rate installment loans with low payments and promotional plans with no interest and no payments during the promotional period.*
*Subject to credit approval. Interest is billed during the promotional period but all interest is waived if the purchase balance is paid in full before the expiration of the promotional period
Fortiva - Second Look
Choose from competitive plans that fit both your customers’ and your business needs.
CustomFin
A multi-lender solution covering super prime to deep sub-prime options, CustomFin can drive your financing costs to $0!
Ygrene - PACE
Non-credit based PACE (property assessed clean energy) financing with no minimum FICO score required and eligibility based on home equity.
Only available in CA, FL & MO
Top questions from contractors
What are the minimum requirements to be eligible for financing?
CustomFin, requires that you have been in business for at least 1 year. Fortiva, GreenSky and Marlin require that you have been in business for 2 years. Additionally:
- Fortiva requires a minimum $1 million in annual sales.
- GreenSky requires that you are able to accept credit card payments.
- Ygrene (available in Florida, Missouri and California) requires that you have all required contractors and business licenses for the jurisdictions you operate, meet all program insurance requirements, including workers compensation and general liability insurance, have a satisfactory Better Business Bureau (BBB) rating or otherwise demonstrate an overall reputation for a high level of service and workmanship, have a satisfactory company and, if required, personal credit histories for company principals.
Is Credit for Comfort a financing company?
No. Credit for Comfort isn’t a bank or a lender, it’s an application that brings multiple financing partners under one platform.
Does using Credit for Comfort cost me money?
No. Using the Credit for Comfort app is free. However, each financing partner may have contractor fees based on the chosen financing plans. Keep in mind that, in the case of GreenSky, payment is processed like a credit card so your standard processing fees apply.
What are your rates?
Rates vary based on your chosen financing plans. We offer a wide range of rates to fit your business model.
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- With GreenSky, you choose the plans you want to offer customers with the accompanying financing costs to you.
- Fortiva’s rates vary depending on customers’ credit scores.
- With CustomFin, multiple financing institutions compete to finance your customers’ jobs, offering your customers the most competitive rates with the lowest financing costs for you all the way down to $0.
- Marlin Capital Solutions, our commercial partner, offers two plans with payment terms of 36 and 60 months.
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How do I apply to offer financing through the Credit for Comfort app?
You can sign up here or if you prefer, you can book a demo with one of our team members who will walk you through the platform
Start Offering Financing Today
Want to learn more? Book a demo now!
