Credit for Comfort is an easy-to-use platform that gives contractors the ability to offer their customers financing plans from multiple residential and commercial lenders; plus, credit card processing powered by Clearent. 

Each of our lenders has different requirements: 

• GreenSky requires you to have been in business a minimum of 1 year. 
• Fortiva requires you to have been in business for a minimum of 2 years; and for your company to have made a minimum of $1 million dollars in annual sales. 
• 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.

As long as you meet the requirements of at least one lender, you can apply. Your application will be automatically submitted to the lenders you are eligible for.

The Credit for Comfort platform is free to use. But, each residential finance partner has contractor fees. 

Rates depend on the available financing plans for each lender. 

• With residential lender GreenSky, you choose the plans and associated merchant fees you want to offer customers. 
• With residential lender Fortiva, rates will depend on customer FICO scores.
• With commercial lender Marlin/PEAC, plans have no merchant fee, and customer rates will vary.