Comparison
Improvifi vs GreenSky: which financing fits your business?
GreenSky is a single financing program: one set of loan products your customers either qualify for or don't. Improvifi is a multi-lender platform with 5+ lenders, so more of your customers get approved and you have more than one path to yes.
If most of your customers have strong credit and you only need one lender, GreenSky can work. If you lose jobs to declines, Improvifi is built for that.
Chris breaks it down
Video coming soon
Head to head
Side by side
Model
Improvifi
Multi-lender platform
GreenSky
Single financing program funded by partner banks
Lenders available
Improvifi
5+ lenders: prime, near-prime, secured and personal
GreenSky
One program
Credit range served
Improvifi
Lenders from about 550 to 680+ FICO
GreenSky
No published minimum
Loan amounts
Improvifi
Up to $150k unsecured, up to $400k secured
GreenSky
Up to about $100k
Terms
Improvifi
1 to 30 years, depending on the lender
GreenSky
About 5 to 12 years
Credit check to see offers
Improvifi
Soft pull with most lenders
GreenSky
Not published
Contractor sign-up
Improvifi
Onboarding with a dedicated success manager
GreenSky
Application reviewed by GreenSky; approval not guaranteed
Cost to the contractor
Improvifi
Flat-rate annual plan (see pricing)
GreenSky
Merchant fees vary by plan, reported from about 1% to over 15%
GreenSky details are from public sources as of November 2026 and may change. See Improvifi pricing.
Book a demo- 550+
- FICO floor across our lenders
- $400k
- max on secured options
- 30 yrs
- longest available term
- 5+
- lenders on one platform
Under the hood
How each one works
Improvifi
- 1Present the project with payment options, so the homeowner sees the full project and a simple way to afford it.
- 2The homeowner scans your QR code and applies from their phone in minutes.
- 3Improvifi routes the deal to the right lending option for the homeowner and the project.
- 4Once the project is approved and funded, your team builds the job and gets paid.
GreenSky
GreenSky started in 2006 and runs financing programs funded by partner banks. Goldman Sachs bought it in 2022 and sold it in 2024 to a group led by Sixth Street. Contractors apply to join, and customers apply for a loan through an app, web form or phone.
Deferred-interest promos are a big part of the offer. If the customer doesn't pay off the balance in time, interest from day one comes due.
What it does well: a large merchant network, fast credit decisions and funding usually within a couple of business days.
The real difference
Why multiple lenders matter
Every lender has a cutoff. With one program, a customer just under it walks away, and so does the job. With 5+ lenders on one platform, a decline from one lender doesn't have to end the deal.
$6.2M
in financed projects in one year for an outdoor living contractor that made payment options part of every sales conversation.
Read the case studyDecide
Which one is right for you?
Improvifi fits if
- You sell to a wide range of credit
- You do large jobs
- You want to stop losing sales to declines
GreenSky may fit if
your customers mostly have strong credit and you want a single, familiar program.
Questions
FAQ
Is Improvifi a lender like GreenSky?+
No. GreenSky runs its own financing program. Improvifi is a platform that gives your customers access to 5+ lenders and helps route each deal to the right one.
Can I use Improvifi and GreenSky together?+
Yes. Nothing stops you from keeping an existing program. Many contractors add Improvifi to catch the customers their current lender declines.
Does applying hurt my customer's credit?+
Most lenders on Improvifi use a soft pull to show offers. A hard pull only happens when the customer picks an offer and moves forward.
What credit scores can Improvifi help with?+
Our lenders cover scores from about 550 up, with secured options for homeowners with equity.
See how many more customers you could approve
Book a demoSources:
- GreenSky company history (Wikipedia)
- GreenSky sale to a Sixth Street-led group (FinTech Futures)
- GreenSky program details and reported merchant fees (ContractorToolStack)
GreenSky is a trademark of its owner. Improvifi is not affiliated with, sponsored by or endorsed by GreenSky. Information about GreenSky is based on public sources as of November 2026 and may change.