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Home Improvement


Make HVAC replacement affordable with low, monthly financing options.

As any HVAC contractor knows, the homeowner wants the problem handled immediately when a home’s heating and cooling system fails. However, many experience sticker shock and don’t have the funds to pay for an HVAC replacement upfront should they require it. In these cases, the sale may hinge on your ability to provide fast and affordable financing.

Sunlight Financial offers innovative contractor financing solutions designed to help HVAC contractors close more sales and grow their businesses. When you partner with us, you’ll be able to provide convenient and affordable loans directly to your customers in real-time, allowing you to take advantage of every opportunity and win more deals.

Learn how Sunlight can grow your business

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Robust Financing Options

Experience higher approval rates and larger approval amounts

At Sunlight financial, our financing options are built to meet your customers’ needs. With 40+ options, from fixed-rate loans with low payments to promotional plans with deferred payments and no interest, you’ll find a plan to delight your customers and grow your business. Plus, our full spectrum lending solutions cover prime, near-prime, and non-prime homeowners, expanding your financeable market and removing friction you face with sub-par counteroffers.

Get Paid Faster

Improve cash flow and keep projects moving forward

Our digital-first process allows for simple, paperless applications, fast approvals, and funding. Sales reps quickly close deals in 6 clicks from start to finish, and funding occurs within 24 hours, allowing you to manage your cash flow better and take on more jobs.

Close More Sales

Meet your customers’ needs and increase their buying power

Increase Margins

Payment options increase average project ticket size and allow for additional products and services

Get Paid Faster

Easy one-click portal delivers funds fast and conveniently

Customer Satisfaction

Max approvals allow projects to go from “fix it” to “improve it”

We Offer The Support You Need

Dedicated support for HVAC contractors available 7 days a week

At Sunlight Financial, we have the tools and resources to ensure your organization experiences a seamless onboarding and help you troubleshoot issues. Our customer support team, SunDial™, is available seven days a week to assist when you need a hand. As a Sunlight partner, you’ll also have a dedicated account manager who can be an excellent resource for growing your business. Whether you have questions about Orange® or a new product, we’re here to help.

Sunlight Financial has an established reputation with extensive credit, consumer finance, and home improvement expertise. We’ve funded more than $10 billion in loans and have 15,000+ sales professionals leveraging Orange®. To learn more about partnering with Sunlight, follow the link below to fill out our form.

Partner with us