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ZERO Cost Financing for Home Improvement Industry

The best self-managed financing solution that pays contractors directly!

  • No enrollment fees

  • No annual fees

  • No dealer fee financing options

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Staged Funding

ACH Payments

Fast Approvals

Why Contractors Choose Us

Access

Central access to program features and financing options

No Risk

No liability related to loan defaults or indemnification

No Cost

To sign up or enroll. No Annual Fees. No Dealer fee options!

Latest Promotions

Increase your inbound sales opportunities with promotional offers

Payments vs. Price

Sell low flexible payments vs high prices to help close more sales! We can help you finance every sale

Widest Approvals

Tier 1 Fico Scores as Low as 660 | Tier 2 down to 620

plus Tiers 3-5 down to 550

No need to ask for Customer Deposits

Ask about Staged Funding. Get paid in advance, up to 50% before you start the job!

Grow With Promotional Marketing, Backed By Experience

Home improvement contractors enrolled in the AHF Program benefit from increased opportunities resulting from promotional marketing connecting to a wider audience.

Not every homeowner has cash to pay for their home improvement plans, now you can close more deals by offering friendly financing terms to meet every homeowner's budget.

Grow your business with promotional marketing

A recent analysis of 2 leading window replacement companies shows offering a promotional call-to-action, such as

0% Interest  $0 Down 
No Payment for 24 Months

Increased inbound leads over a 180-day period by 326% 
compared to competitors that provided little or no financing options.

1

Based on Window Replacement company advertising analysis commissioned by America Home Financial and provided by largest independently owned Home Improvement advertising network in Florida, 2025)

1

Years of experience 

Our financial network of lenders has already funded over 1 million projects nationwide through many great companies.

 

Now you can access this network!

​​​We make it convenient and easy for Home Improvement companies to offer financing to their customers. Don't lose customers to customer-centric loan programs or price.

Contact Us

1.888.502.8303

© 2026 America Home Financial LLC is a licensed Sales Finance Company License# SF9902202 and a financial technology provider that manages the AHF Finance Program by supporting originations of loans on behalf of banks and other financial institutions that make or hold program loans. America Home Financial & AHF Finance Program are registered trademarks of America Home Financial LLC and is licensed to banks and other financial institutions for their use in connection with the AHF Finance Program. America Home Financial LLC and AHF Finance Program are not lenders. All credit decisions, loan terms and enrollment results are determined by program lenders

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