$0 dealer fee financing

Offer fast & flexible home improvement financing

Offer financing in minutes at no cost to you. Your customers can compare lenders and choose the best loan for their project.

No fees and no surprises
Loans up to $100,000 and terms up to 20 years
Same-day setup and expert contractor support

A Contractor is walking customers through a series of loan offers.

OUR NETWORK OF FINANCIAL PARTNERS

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OUR NETWORK OF FINANCIAL PARTNERS

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OUR NETWORK OF FINANCIAL PARTNERS

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The Acorn Finance Advantage

Fast, simple, and hassle-free for everyone

A Woman in her kitchen is looking at loan offers.

For Your Customers

Apply online in minutes
Compare multiple loan offers side-by-side
Choose affordable monthly payments with no impact to their credit score
Get funds quickly and start the project sooner

A contractor is showing a customer loan offers.

For You

Share your custom financing link via text, email, or estimate
See your customer’s Financing status through our Portal
Get paid upfront once your customer is funded
Close more jobs and grow your average project size

HOW IT WORKS

Your quick guide to Acorn Finance

A simple, streamlined process that helps you close deals faster and makes paying easier for your customers.

Create your contractor account in just minutes—no fees, no obligations. You’ll get your own personalized financing link you can share with customers right away.

Share your financing link

Add your web link to your estimates, invoices, and website, or send it via text or email. Customers can apply anytime, from anywhere, without you having to walk them through the details.

Customers compare offers

Your customers see multiple offers from our network of top lenders in minutes, with no impact to their credit score. They choose the option that works best for their budget.

Get paid and start the job

Once your customer accepts an offer and is funded, you get paid upfront. No waiting for installments, just the green light to start work right away.

Great marketplace with multiple lenders and no fees…way more efficient with clients’ time, and ultimately a better experience. Bringing financing up more frequently through the process because of Acorn Finance has been huge for me and my team.

Shawn
Smart Patio Plus

Don’t say it. Show it.

Let your customers know that you offer financing by integrating our free-to-use advertising resources on your website, invoices, emails and even social media channels.

A couple is starting a loan application on a computer.

A Contractor is reviewing a funding notification on his phone.

Stay up to date with instant updates

Once your customers apply for the loan, you can keep track of all their activity within the portal. See when they finish a loan app all the way through to when they get funded.

Stay up to date with instant updates

Once your customers apply for the loan, you can keep track of all their activity within the portal. See when they finish a loan app all the way through to when they get funded.

Instant access

No need to stress about qualifying for financing. With Acorn Finance, every small business that applies can start offering marketplace financing to customers right away.

Client and Contractor reviewing loan offers together.

How Acorn Finance Compares

NO CONTRACTOR FEES
No dealer, subscription, sign-up or credit card fees.
MARKETPLACE OF MULTIPLE LENDERS
SAME-DAY SETUP
SIMPLE PROCESS
No paperwork or underwriting expertise needed.
CREDIT SCORE RANGE
RESPONSIVE SERVICE
Industry advisers (not sales people) stay ready to help you and your customers.

- 560–850
- 640–850
- 560–850
- 660–850

a Contractor is reviewing multiple notifications on his phone.

YOUR CONTRACTOR PORTAL

One portal to get the big picture

Text, email or copy your financing invitation to send to your customers

Get advertising and marketing materials customized to your brand

See all of your customer’s application statuses in one place

200,000+

Borrowers served annually

4.7+

TrustPilot Rating

What Makes Acorn Finance Different

A Smarter Way to Offer Financing

$0 dealer fees—keep more of every job you sell
Access to multiple lenders so customers can find an option that works for them
Stay in the know of your customer's financing status through our Portal

Support That Helps You Sell

White-glove onboarding and ongoing sales supports
Financing up to $100k—from quick fixes to major renovations
Marketing tools to help you promote financing and close more deals

A Contractor is working with a customer.

What Makes Acorn Finance Different

A Smarter Way to Offer Financing

$0 dealer fees—keep more of every job you sell
Access to multiple lenders so customers can find an option that works for them
Stay in the know of your customer's financing status through our Portal

Support That Helps You Sell

White-glove onboarding and ongoing sales supports
Financing up to $100k—from quick fixes to major renovations
Marketing tools to help you promote financing and close more deals

Compare rates from top lenders

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 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.

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 are paid directly by the customer using the loan proceeds within 1 to 2 business days after project 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.

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.