Full-Spectrum Home Improvement Financing for Contractors

Learn how Sunlight can grow your business

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Streamlined Contractor Financing

Trusted By Contractors In Every Home Improvement Trade

Sunlight Financial provides fast, affordable financing solutions designed for home improvement contractors and their customers. With industry-leading approval rates, seamless digital tools, and a simple paperless process, we make it easy for you to grow your business and close more deals. Whether you specialize in roofing, HVAC, remodeling, or beyond, our financing platforms are built to support your sales process and help your customers get to “yes.”

Explore financing solutions tailored to your trade — click to view options by industry.

Grow Your Business

Partner with us

Instant Credit Approval for Qualified Applicants

Minimal Documentation Required

Integration with Sales & Operations Tools

Highly Competitive
Loan Rates

Wide array of contractor financing options

Best-in-class process streamlines financing

Flexible APRs and payment terms

Stable and diverse sources of capital

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Our Tech

Powerful tools

Our best-in-class technology platforms help you create the best possible experience for your customers.

Whether you're a growing business or a high-volume team, Sunlight offers flexible home improvement financing for contractors of every size. With two powerful financing platforms — Tangerine™ and Orange® — Sunlight helps you close more jobs and approve more customers.

30-Second Automated Decisions

Get instant credit decisions to help you close deals faster

Co-Borrower Friendly Approvals

Increase approvals by including full household income

Prime & Non-Prime Instant Approvals

Use one simple application for every customer type—no waterfalls

Flexible Income Qualification

Approve more customers with household or stated income

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Tangerine UI

Powerful Financing Tools for High-Volume Contractors

Orange® Platform

Orange® is Sunlight’s proprietary point-of-sale platform built for experienced contractors. Designed to streamline the full financing process, Orange® empowers your team to quote and close deals, all from one intuitive interface.

Orange® is built for scale, giving you full visibility and flexibility across your team, products, and performance.

Why Contractors Choose Orange®

  • Seamless, paperless process from loan selection to e-signature
  • Instant soft credit pulls
  • Side-by-side payment calculator (good / better / best)
  • Mobile app and dedicated support
  • Robust reporting tools to manage pipeline, payouts, and loan products
  • Customizable dashboard for sales and operations control
Learn More About Orange®

Looking for something more streamlined?

New: Tangerine™

If you want a simple, digital solution to offer affordable loans on the spot, Tangerine™ is built for you. Tangerine™ is our latest financing solution: a mobile-first platform created for small to midsize home improvement contractors that need speed, simplicity, and affordability.

Tangerine™ helps you close more jobs, increase project size, and win customer trust on the spot.

Why Contractors Love Tangerine™

  • No dealer fees means more profit in your pocket
  • Approvals and funding in minutes
  • Higher customer approval rates
  • Affordable APRs across all credit tiers
  • Simple setup
  • Access from any mobile device or desktop
  • Loan terms: 5, 10, 12, and 15 years
Learn More About Tangerine™

More Approvals. Bigger Deals. One Seamless Experience.

Sunlight Maxx™

Sunlight Maxx™ is our proprietary full-spectrum lending solution designed to help contractors finance more homeowners — including near-prime and sub-prime customers. With higher approval amounts, longer terms, and integrated counteroffers through Orange®, Sunlight Maxx™ helps contractors close jobs other lenders can't — all without sacrificing speed, control, or margins.

  • 550+ FICO approvals to reach more homeowners
  • Longer terms to make payments more affordable
  • Max loan amounts up to $100,000
  • No waterfall to other lending portals
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Flex Approvals™ - Upsell Without the Hassle

  • Automatic Buffer - Additional $5-10K above approval amount
  • Simple Change Orders - Update the loan amount in the portal
  • No Re-Signing - No new docs, no extra trips back to the home
  • Seamless Funding - Customer confirms updated amount at project completion via text
  • Close Bigger Deals - Upsell and keep projects moving forward
mobile UI
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Which Sunlight Platform Is Right for Your Business?

Not sure which platform is right for your business? We built two tools to serve contractors at every stage of growth:

  • Orange®: For larger contractors with complex needs and high-volume sales teams
  • Tangerine™: For fast-moving SMBs who want instant approvals, zero fees, and an easy path to growth
See the Full Comparison

Our Service

How we’ll help

We believe in white glove service. We provide comprehensive training and support for home improvement contractors’ sales and operations staff, and top-notch customer service for homeowners.

We want our relationship to be a long-term partnership. We know the key to success is in the company you keep. We’re in this for the long haul. Ready to get started?

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Interior and Exterior Contractors