ASK ANYTHING.

Most decisions come back in seconds. We submit a single soft pull to multiple lenders in parallel and surface the best terms back to your rep on the same screen — no portal-hopping, no overnight wait.

Prime, near-prime, and a meaningful subprime layer. Our cascade pulls from a dozen lenders so a single declined customer often still has two or three other approvals waiting in the same flow.

Pricing is transparent and tier-based. Most shops choose flat-rate dealer fees that protect their margin on every ticket. We'll model your real volume on a 20-minute call so you see the exact number before you sign anything.

No. Improvifi drops into the workflow you already run. Reps can send applications by text, email, or take them in person on a tablet. The rest of the back office — funding, stips, AR — runs on top of what you already do.

Most projects fund within 24 to 48 hours after install verification. Funding is automated — no chasing, no follow-up calls, no portal scavenger hunts.

Yes. The platform runs 24/7. Underwriting decisions don't take weekends off, which means storm-season callouts and weekend installs convert at the same rate as Tuesday morning.

We use a soft pull for pre-qualification (no impact to the homeowner's score) and only convert to a hard pull when the customer accepts terms.

We do. Improvifi auto-collects stips from the homeowner via SMS and routes them straight to the lender — your ops team gets to focus on installs, not paperwork.

HVAC, roofing, solar, plumbing, windows and doors, electrical, generators, EV chargers, and most adjacent home-improvement verticals. If you sell something a homeowner finances, we can probably underwrite it.

Most shops are live in under a week. Day one is contracts and lender setup, days two and three are tablet rollout and rep training, and by week's end you're closing financed deals on the platform.

Improvifi gives contractors access to multiple lending paths, including unsecured loans, secured loans, personal loans, promotional options and sub prime options. This gives your team more ways to help homeowners move forward when one option does not fit.

One lender gives your team one path. Improvifi gives your team multiple approval paths, so the sale does not have to stop after the first no. That means more chances to help the homeowner qualify and keep the job moving.

Yes. Your team can offer lending solutions from the Improvifi mobile app right at the point of sale. Experience fewer callbacks, fewer handoffs, and less waiting while the homeowner is still ready to make a decision.

A decline does not always mean the job is dead. With multiple lending solutions and Deal Desk support, your team can look for the next best path instead of stopping at the first answer.

No. Even large secured projects up to $750K stay at the kitchen table with a simple paperless process. The moment a homeowner leaves to visit a bank is the moment you start losing the deal. We built this so they never have to.

Yes. Unsecured loan limits are up to 150,000 and Secured lending 15,000-750,000 can help homeowners explore larger project amounts when they have available equity. This can help your team protect bigger tickets instead of cutting the project down to fit a smaller loan option.

No. Improvifi is built to make lending easier for sales pros. Your team gets the app, training, and support they need to offer payment options with more confidence at the kitchen table.

Yes. Improvifi is built for phones, tablets, and laptops so reps can present financing during the appointment.

Yes. Your team can start applications and guide homeowners through the next steps from one platform.

It cuts down on portal juggling by giving your team one place to access financing workflows and track deal progress.

Yes. Your team can track application status, required steps, and funding progress from the lender portal.

Yes. Improvifi helps reps present payment options earlier so price doesn't stop the conversation.

Your team connects with the Deal Desk for live help on complex applications, lender questions, and next steps.

No. The platform is built for contractors. It is easy to use, but training is included to help your crew use it with confidence.

Owners, sales managers, estimators, and reps who need to present financing better.

No. Training is built to teach the process from the ground up.

Yes. It's part of every Improvifi plan and supports your rollout.

Yes. Your team can access training content and live sessions from anywhere.

No, we offer all training efficiently via Zoom or your preferred online meeting room.

Certification proves your rep understands how to present financing the right way, guide homeowners through payment options, and create a better buying experience at the point of sale.

Onboarding support, platform guidance, and live help when financing questions come up.

Yes. The Deal Desk connects your team with real financing support, not a chatbot.

Yes. The team can review next steps, lender requirements, and ways to keep the deal moving.

Yes. Improvifi helps new reps learn the platform and the financing process.

Yes. In-app support lets your crew ask questions without leaving the workflow.

Yes. Support is part of every Improvifi plan.

Improvifi's directory that connects homeowners, contractors, and local real estate partners.

Contractors who want stronger local connections and more home improvement opportunities.

No. It adds another channel for building relationships and creating project opportunities.

It helps homeowners understand what they can afford earlier, before the project gets delayed.

Yes. RenoReady is built to connect contractors with local real estate partners and homeowners.

Yes. RenoReady is part of every Improvifi plan.

A credit repair program for homeowners who get declined for financing. They fix their credit, then come back and fund the project with you.

Contractors tired of watching paid leads die on credit declines. And homeowners who want the project but need to fix their credit first.

Licensed credit experts working their report, progress tracking, and a real path back to an approval. Not an app with tips.

Every report is different. Many homeowners see meaningful movement within a few months, and your project stays the goal the whole way.

It turns your decline pile into a comeback pipeline. Leads you already paid for come back fundable, with no competitor in the picture.

Milestone-based escrow for home improvement projects. Funds are held in a licensed escrow account and released as work is completed and verified.

Contractors selling bigger tickets, and homeowners nervous about handing over big money. Which is all of them.

No. It works alongside financing and lender processes. It structures how funds are held and released, not whether someone gets approved.

You get paid right after each verified milestone. No chasing checks, no slow pay, no collection risk. And the trust factor helps you close the job in the first place.

Their money is protected until the work is actually done. That security is often the difference between "let me think about it" and a signature.

Yes. It's part of the Improvifi ecosystem built into our app, powered by a licensed escrow partner, and it works with the rest of your Improvifi tools.

Credit card and ACH payment processing built into the Improvifi app. Deposits, progress payments, and final invoices, collected where your deals already live.

Any part of the job that isn't financed. Deposits, draws, change orders, service work, and full invoices. Card or ACH.

Yes. Kitchen table, truck, or jobsite. If the app is there, you can collect there.

It can. Most contractors switch so payments and deals finally live in one system instead of two logins that don't talk.

Faster collection, fewer "check's in the mail" weeks, and one clean view of every dollar on every job.

Yes. It's the payments engine of the Improvifi ecosystem, powered by Xplor Pay's processing rails.

Inspection sign-off, photo verification, or homeowner confirmation — whichever you configure on the project. The platform releases the draw the moment the trigger hits.

Draws are pre-funded out of Improvifi's lender pool the moment the loan is signed, then released to you as milestones clear. No waiting on the homeowner, no waiting on the bank.

Yes. Set draw counts, percentages, and triggers per project type — and save the configuration as a template for next time.

Yes. Retainage is configurable on every project and releases automatically on final inspection or a custom trigger you define.

An AI guide inside the Improvifi app that matches each homeowner to the lender most likely to approve them, based on the full picture of the deal.

Loan amount, the homeowner's needs, credit score, preferred term, and loan type—unsecured, secured, or personal.

One lender means one credit box and three programs. The Advisor works across the whole Improvifi lender network, so there's a fit for far more homeowners.

No tool can. What it does is stack the odds: the right lender, the right program, first try, instead of guess-and-pray.

No. That's the point. The Advisor carries the lender knowledge so your reps can carry the conversation.

Yes. It's built into the same Improvifi app that runs your applications, payments, and deal tracking.

That's the exact problem we built for. One application, multiple lender paths, including second look options. One decline doesn't end the roof.

Yes. Full retail replacements, deductibles, and the gap insurance doesn't cover. If there's a number the homeowner can't write a check for, there's a path for it.

While your rep is still there. Application from their phone in minutes, often with a decision before the walkthrough conversation ends.

Yes. Speed is the whole game in storm season, and approvals in minutes keep you ahead of every other truck on the street.

Yes, and they should. Introducing a low monthly payment early shifts the focus. When a homeowner first hears a manageable number, the final total will feel like a solution rather than an out-of-reach project cost.

No. The app guides the conversation, and training is included. If they can sell a roof, they can present a payment.

Bigger scopes mean bigger sticker shock, and a payment option keeps the conversation focused on the design instead of the total.

Yes, along with additions and whole-home projects.

High-ticket remodels are exactly what the lender network is built for.

They can, right from their phone, on the spot.

Often, yes. Seeing a manageable payment changes what feels affordable.

Live Deal Desk support steps in to help work through it.

Techs present payment options early, reach more approval paths, and face fewer price objections.

When a system fails without warning, monthly payments let homeowners replace it right away instead of waiting on cash.

A clear monthly number makes it easier to approve repairs, upgrades, or air quality improvements.

They can apply right from their phone using simple field-ready tools.

Techs frame the job around affordability instead of the full cash price alone.

The platform, training, and support are built specifically for contractors selling in the field.

No. Financing can cover deductibles or coverage gaps regardless of when insurance is obtained.

Yes. That's one of the most common uses. Small ticket approvals get the job moving without the homeowner scrambling for cash.

Both. Insurance work, straight cash pay, and everything in between. If there's a number the homeowner can't write a check for, there's a path.

Minutes from the truck or their phone. Speed is the whole game in this business, and approvals move at your pace.

Multiple lender paths, including second look. A rough month doesn't stop the reconstruction. The Advisor automatically moves to the next real fit.

No. The app carries the conversation. Training is included so any PM can present a payment with confidence, not just your best closer.

Yes. That's exactly where these limits shine. Whole-home orders, patio door additions, and entry door packages all fall under one approval.

Yes. Same as cash and low intro payment plans are one of the most powerful tools your rep has for landing a discretionary buyer today instead of "someday."

Earlier than most reps think. Training covers the exact moment and language, so the payment anchors the whole demo rather than showing up at the end, when the room is tired.

Multiple lender paths, including second look. One decline doesn't cost you the house. The Advisor automatically moves to the next real fit.

Yes. The whole order goes on one approval. Doors, windows, screens, and any custom work all fit in one payment.

No. The app carries the conversation, and training is included. If they can present a window, they can present a payment.

Yes. Full wraps, gutters, soffit and fascia, exterior paint, and any curb-appeal add-ons all fit under one approval.

Perfect. That's the "while we're at it" moment financing was built for. The upgraded scope stays on the same payment.

Minutes from your rep's phone. Signed contracts before the next contractor gets a bid in.

It's when it helps most. Homeowners who wouldn't write a check will make a payment, and your calendar stays full even when the season slows.

One decline doesn't kill the wrap. The Advisor automatically moves to the next real fit.

No. The app carries the conversation, and training is included. If they can present an exterior package, they can present a payment.

$15K bath refreshes up to $750K whole home combos. The full range of what your customers actually build.

FundLock places the deposit in a licensed escrow account, releasing it as milestones are completed. That single feature closes the "$18K before you start?" objection that kills otherwise-ready buyers.

Yes. The platform handles staged approvals and milestone funding. The design fee, the deposit, and the build can all move on one clean paper trail.

That's the exact problem financing solves. When your designer can send a monthly payment number to a spouse who wasn't in the room, the phone conversation goes from "we can't afford it" to "we can plan around that."

Multiple lender paths, including second look. One decline doesn't shrink the kitchen. The Advisor automatically moves to the next real fit.

"$62K" scares people. "$378 a month" doesn't. When the homeowner sees the monthly number, they stop cutting the finishes down to fit their savings.

A leak or backup gets worse by the hour, so financing needs to move just as fast as the repair.

No. Water heaters, repipes, and planned upgrades qualify too.

Yes, directly from wherever the tech is standing.

No. Lender paths mean the tech has more than one option to offer.

It turns "this is going to cost you $8,000" into a number a homeowner can actually plan around.

Yes, and it's included so the conversation feels natural instead of awkward.

Yes. Living, dining, hallway, bedrooms, stairs, and any transition work all fit under one approval.

Yes. Same as cash and low intro payment plans are among the strongest tools your rep has for closing a discretionary buyer today, not "someday."

Early. Before samples come out. Training covers exactly when and how, so the payment anchors the entire selection process rather than showing up as a surprise at the end.

Multiple lender paths, including second look. One decline doesn't cost you the whole home install. The Advisor automatically moves to the next real fit.

Yes. Material, install labor, subfloor prep, transitions, and stair nosing all fit into a single payment. No separate conversations.

No. The app carries the conversation, and training is included. If they can present a floor sample, they can present a payment.

Both. Generators, EV chargers, and panel upgrades all qualify, whether bundled together or financed on their own.

A clear monthly number helps the homeowner absorb a larger scope without the sticker shock of a surprise total.

Yes. The application takes minutes and works just as well for an unplanned upgrade as a planned one.

No floor and no ceiling. A single outlet repair and a full panel replacement both qualify.

Many homeowners treat an EV charger as optional until they see a monthly number small enough to bundle with the car payment.

No additional licensing required. Training covers how to bring financing into the conversation naturally.

Most of the time it's the total number, not the project itself. A monthly payment keeps the full design on the table.

Yes. Pergolas, outdoor kitchens, lighting, and built-in seating all qualify alongside the deck structure.

Financing often removes the need to phase at all, since spreading the cost monthly makes the full build doable now.

Training covers exactly that, helping reps introduce payments early and naturally before the budget becomes the objection.

Yes. A simple mobile link works from anywhere on the property.

Project type doesn't affect eligibility. Both qualify through the same application.

The total for a full yard hits harder than any individual section. A monthly number breaks that resistance before it becomes a negotiation.

No. Wood, vinyl, aluminum, chain-link, composite, and custom builds all qualify through the same application.

Financing works for partial installs just as well as full-property jobs, and reps often find the monthly number makes the full line worth doing at once.

Yes. The application runs from a phone and can go out before the rep even gets back to the truck.

It does. Bundling gates and hardware into the monthly payment makes the upgrade easier to approve.

Training builds the financing conversation into the estimate process naturally, so it comes up before price becomes the objection.

Paint feels optional until it doesn't. Financing removes the "we'll do it next year" response by making the full project affordable today.

Often the difference between one room and the whole house is smaller than the homeowner expects once it's broken into a monthly payment.

Yes. Cabinet work, accent walls, and exterior coats all qualify alongside standard interior and exterior painting.

Training builds the payment conversation into the estimate process naturally, so it comes up before the homeowner starts mentally cutting rooms.

Yes. Prequalifying early often gives homeowners more confidence to upgrade finishes and add rooms to the scope.

A monthly number makes the difference between a one-room touch-up and a whole-home repaint feel like a small decision, not a big one.

All of it. Attic blown-in, wall injection, spray foam, batts, crawl space encapsulation, radiant barrier, and any weatherization work all fit the same platform.

Yes. Rebates come in later as bonus savings for the homeowner, rather than delaying the job.

When your rep can show the payment sitting next to the monthly utility savings, "eventually" turns into now. A $110 a month payment, minus $65 a month in savings, is a $45 a month cost to keep the house comfortable and quiet forever.

Minutes from your rep's phone or tablet. Approvals happen while your inspector is still explaining the R-value.

Multiple lender paths, including second look. One decline doesn't kill the retrofit. The Advisor automatically moves to the next real fit.

$8K patios up to $400K full outdoor living packages with kitchens, pergolas, fire features, retaining walls, and lighting. Every size on one platform.

Yes. Patio, pergola, outdoor kitchen, fire pit, retaining walls, and lighting all fit on one approval and one clean monthly payment.

Minutes from your rep's phone. Signed contract same visit, before the season slips.

Multiple lender paths, including second look. One decline doesn't kill the outdoor kitchen. The Advisor automatically moves to the next real fit.

"$62K" makes homeowners cut everything but the patio. "$387 a month" keeps the fire pit and the pergola in the plan. Same dream, different math.

The total for a combined renovation hits harder than any one trade alone. A monthly number reframes the whole project around what fits the budget monthly, not what needs to get cut.

Yes. Framing, electrical, plumbing, and finish work can all run through the same application without splitting the project into separate contracts.

The Deal Desk can help work through financing adjustments when unexpected scope changes the original plan.

It does. Additions, garage conversions, and phased construction all qualify through the lender network.

A clear monthly number at the estimate removes the need for the homeowner to go away and figure out how to pay for it.

No. Financing runs through the GC's contract, not the individual trade relationships underneath it.