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Frequently Asked Questions

General Questions

How do I apply to offer financing? Is there any paperwork involved?
You can sign up directly on this sign-up page, or you can schedule a demo call with one of our Credit for Comfort representatives. Once the call is completed, they will send you the sign-up form, which has all the necessary fields to get your application started with each one of our financing partners. Once you're approved to offer financing with at least one of our lenders and completed your training and registration, you'll be able to email or text your customers their financing application so they can fill it out from their own device, making the whole process 100% paperless. However, outside of the consumer application flow, you should collect a standard signature proving that the customer agrees to pay for your services. The format of this signature will be clarified by the different finance partners during your training.
What is Prime financing?
Prime financing is a loan category given to borrowers who have good to excellent credit scores. Generally, prime loans are the most competitive loans with the lowest interest rates.
What is Second Look financing?
Second Look financing refers to a loan that is offered to consumers who do not qualify for Prime loans but are just below the credit score threshold required by Prime lending.
What is PACE financing?
Property Assessed Clean Energy (PACE) enables low cost, long-term financing for a variety of energy efficiency, renewable energy, water conservation, storm protection and seismic improvements. PACE financing is repaid as a special assessment/tax on the property’s regular property tax bill and can be used for improvements on commercial and residential properties. The special tax/assessment is secured by a continuing lien on the property.
What types of products and services qualify for financing?
All products, installations, warranties, visit fees, and other services.
How much does each transaction cost me per lender?
With GreenSky and Fortiva, there is a merchant fee or dealer discount associated with each rate. This number is a percentage of the amount being financed, so the amount itself varies with each transaction. Ygrene has no fees.
What is Commercial financing?
Commercial financing is a type of HVAC/R business loan that funds commercial jobs and larger projects, including restaurants, educational institutions, medical offices and facilities, retail shops, non-profits, and more.
What types of products and services qualify for commercial financing?
Commercial loans any items needed for an HVAC commercial job and can include crane rental, duct work, installation, and any other equipment needs. Our commercial lender partner lets your customers bundle all these project needs into one affordable payment.

Questions about the App

Is Credit for Comfort a financing company?
No. Credit for Comfort isn’t a bank or a lender, it’s a software platform that brings multiple financing partners under one application.
Does using the Credit for Comfort app cost me money?
Using the Credit for Comfort app is free. However, each financing partner may have contractor fees based on the chosen financing plans.
Is there any training I need to do before I can use the app?
Yes. You will have to complete a mandatory training with each finance partner you've been approved with. You will also have to go through a short training with Credit for Comfort before transacting.
Can I have multiple users on my Credit for Comfort account?
Yes. After your account with Credit for Comfort is set up, you will be able to add multiple team members.
Can I have a link on my website so customers can apply for financing directly?
Yes, you can use the ComfortButton feature to add a link to your website.

Questions about application process

What information do I need to provide when applying for a loan?
We’ll send you the link to apply once you complete a call with us. You will then be issued a new Merchant ID.
How long does the application process take for each lending partner?
Once you’ve been approved and trained by our finance partners, we'll email you your Credit for Comfort credentials so that you can start transacting. This process can take as little as 2-3 days. Our commercial lender can process an application in as little as 2-4 business hours.
Does the finance partner I apply with need to pull my credit score in order to enroll? If so, is it a hard or soft pull?
To enroll as a contractor with GreenSky, our prime lender, only in cases of a sole proprietorship will a hard credit pull be required. Fortiva, our 2nd look lender, posts a promotional inquiry (soft-pull) at a business credit bureau as part of its merchant underwriting. When applying for Ygrene, our PACE option, compliance will check your business credit and it will show as a hard pull. Marlin, our commercial lender, typically looks for a credit score in the range of 620 or higher.
Can I apply to all Credit for Comfort lender partners?
Yes, you can start an application with any one of our finance partners, including Prime, Second Look, and Commercial partners.
Can I have a link on my website so customers can apply for financing directly?
Yes, you can add Credit for Comfort's Comfort Button to your website.

Questions about Greensky

What is GreenSky?
Greensky® LLC is a third-party service provider and program administrator to federally insured, federal and state-chartered banks that provide consumer loans under the GreenSky programs. GreenSky helps businesses grow by giving them the ability to offer credit to their customers. GreenSky works with bank partners to provide program loans to customers in merchant, provider, and retailer networks nationwide. The Greensky programs serve customers ranging from the world’s largest and most demanding businesses to small and medium businesses and consumers nationwide.
How does GreenSky lend money?
GreenSky provides loans by supporting federally insured, federal and state-chartered financial institutions. They are not a bank but a technology platform credit-provider.
What are the requirements to offer financing through GreenSky?
You must have been in business for 1 year and make $100k in annual gross revenue.
What is the credit limit a person can secure through GreenSky?
The credit limit offered through GreenSky is $50,000
Can I have a link on my website so customers can apply for financing directly?
Yes, you can use Credit for Comfort's Comfort button to add a link to your website.
How do I get a rate sheet from GreenSky? And how do I know which rates to select?
Once you complete a call with us, we'll email you our rate sheet. We work together with our finance partners to always recommend the rates that work best for your business and for your customers. During your training, you will review the rate sheet with trained professionals to gain a better understanding of the costs and benefits associated with each plan so you can make an informed decision.
How do I get paid through GreenSky?
When you enroll in GreenSky, you're automatically set up for Direct Funding and will typically receive your funds to your account within 24-48 hours. You can also opt-out of Direct Funding and use a credit card processing payment.
Can I use my existing GreenSky account?
No. In order to transact on the Credit for Comfort platform, you must reapply under our sponsor number. We'll send you the link to apply once you complete a call with us. And you will then be issued a new Merchant ID.

Questions about Fortiva

What is Fortiva Retail Credit?
Not all customers fit into the traditional lending format, and a credit score does not always give the whole picture. Fortiva Retail Credit’s Second Look financing option offers a payment alternative with longer terms and lower payments than tertiary lending options (depending on industry).
What are the requirements to offer financing through Fortiva?
Firstly, you must be a US citizen and have a valid social security number. Fortiva also requires you to have been in business for at least 2 years. Additionally, Fortiva requires a minimum of $1 million in annual sales. Approval will then be based on your overall creditworthiness.
Why is the Fortiva Retail Credit program good for homeowners?
Nearly 50% of all home improvement projects over $5,000 require financing. The Fortiva program allows for a wider range of customers to secure funds by granting approval to people with FICO scores below 500. This typically allows 25-50% more homeowners to qualify for financing who would not get approved through a traditional prime-lender bank.
What is the cost of offering Fortiva's Second Look Financing?
There is a competitive credit risk-fee per transaction due to approving customers with less creditworthiness that prime lenders would not approve.
How do I get a rate sheet from Fortiva? And how do I know which rates to select?
Once you complete a call with us, we'll email you our rate sheet. We work together with our finance partners to always recommend the rates that work best for your business and for your customers. During your training, you will review the rate sheet with trained professionals to gain a better understanding of the costs and benefits associated with each plan so you can make an informed decision.
How do I get paid through Fortiva?
Your funds will be sent to your account through ACH Deposit and show up in your account within 1-2 business days.

Questions about Ygrene

What is Ygrene?
Ygrene’s award-winning PACE program provides 100%, no money down PACE financing to help property owners make cost-effective energy efficiency, renewable energy, water conservation, safety and storm protection improvements to residential, multifamily, commercial and agricultural buildings. Eligibility is based on equity and the property owner’s ability to pay, among other factors. No minimum FICO score is required. Payments can be spread out up to 20 years and the property owner’s first annual payment may be deferred for up to one year or longer, subject to underwriting guidelines, approvals and date of funding.
What are the benefits of Ygrene financing for property owners?
As a competitive alternative to credit based financing, Ygrene offers some unique benefits that appeal to property owners:
  • No minimum FICO score required
  • Up to 20 year terms = lowest effective monthly payments
  • No payments for up to a year or more
  • 100% financing and no money down
For PACE, is there any lien or equity put on my home?
PACE financing is repaid as a special assessment/tax on the property’s regular property tax bill and can be used for improvements on commercial and residential properties. The special tax/assessment is secured by a continuing lien on the property.
Does the PACE assessment transfer to the new owner if the property is sold?
If you sell your property, the PACE payment may transfer to the new owner. Keep in mind that property taxes are legally transferrable when you sell or refinance your property. However, most mortgage lenders require full repayment, or payoff, of any remaining special tax/assessment upon sale or refinance. If you’re considering selling or refinancing anytime soon, check with your lender first.
How do I get paid through Ygrene?
You will get paid through wire transfer once all funding conditions are received, including the property owner’s sign off.

Questions about Marlin Capital

What is Marlin Capital Solutions?
Marlin Capital Solutions is a publicly traded (NASDAQ: MRLN) equipment finance company with a specialized focus in small business lending, with an entire team dedicated to commercial HVAC financing solutions.
How much does it cost me to offer Marlin financing?
There is no cost to the contractor to use Marlin’s commercial financing. 
How do I get paid?
Depending on the payment plan that you’re approved for at the time of application, you can get 100% payment upfront, 50% advance payment or payment in full upon delivery and installation. All payments are typically made within 24 hours of agreement execution and/or installation via ACH.
What are the requirements to be eligible to offer financing through Marlin?
To be approved by Marlin, you must have been in business for 2 years or more. 
How long does it take Marlin to process my application?
Approval decisions are typically made between 2-4 business hours.
What happens once I’m approved to offer financing with Marlin?
You’ll be contacted by a member of the Marlin team and asked to set-up a follow-up webinar to do a brief training. Your Marlin account will also be added to Credit for Comfort so you can transact directly from the app.

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Do you have any more questions for us? We’re only a call or email away. Let us know how we can help.

ops@creditforcomfort.com or call us at 786-375-9482

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