Offer Financing to Your Customers — and Close More Jobs with JBFin
When a homeowner stalls on a $9,000 system replacement, it's usually not the price — it's the lump sum. The work is needed and the quote is fair, but writing one large check feels impossible. So the customer walks.
That hesitation costs contractors real revenue. ServiceTitan data shows contractors who offer financing see 12% higher close rates and 13% higher average ticket sizes. Give customers a manageable monthly payment, and a yes-or-no decision becomes a question of which plan fits the budget. phcppros
JBFin is the no-cost consumer financing program from JB Warranties™, built for HVAC and plumbing contractors who want to offer financing to your customers without fees, paperwork, or a finance department.
Why JBFin Is Different
Most financing platforms charge dealers $1,000 or more in annual fees just for access. JBFin is 100% free — no dealer fees, no membership costs, no waiting period for new dealers.
No cost to you. Free rates, no doc or application fees. Dealer fees apply only if you choose to buy down a rate (always optional).
Wide approval. Down to a 550 credit score, soft-pull pre-qualification, ~54% overall approval rate.
Fast answers. Customers apply online and hear back in under 15 minutes — while you're still on site.
Flexible loans. $1,000–$100,000, terms 12–240 months, APRs from 9.99%, plus zero-interest promotional options.
Foundation Finance is the lender; JBFin Express runs the dealer-side experience with daily reporting, so you always know where each customer stands.
How It Works
Apply once. Within 24 hours of approval, you get a unique application link tied to your company.
Share your link. Customers apply on their own — after the appointment, late nights, or weekends.
Do the work. Once approved and the job's done, submit an itemized invoice and signed completion certificate.
Get paid. Funds hit your account within 24 hours of completion (or after the 3-day cancellation window, whichever comes last).
Support runs 9 AM–7 PM EST, including weekends, so approvals don't stall when your crews are busiest. For more on where financing fits in a modern sales process, ACHR News is a useful industry reference.
Add It Straight to Your Website
Your JBFin link works anywhere you put it. Drop it in a text or email, turn it into a QR code, or add an "Apply for Financing" button to your site so homeowners can apply on their own. JBFin also provides a ready-made apply-now button graphic — your web manager hyperlinks your unique link to the image, and any visitor can launch the application in one click.
What JBFin Covers
JBFin is built for installs that include equipment or parts — HVAC, plumbing, electrical, mini-splits, foundation repair, and duct work. Owner-occupied homes and rental properties both qualify; commercial jobs run through JBFin Commercial. Standalone service calls and new construction aren't eligible. (Full eligibility details below.)
Because JBFin sits alongside your warranty offering, it's one more way JB Warranties helps you grow average ticket and customer loyalty. Not protecting your installs yet? See the HVAC Warranty Benefits for contractors.
Ready to Offer Financing to Your Customers?
It costs nothing and takes minutes to start. No fees, no contracts, no commitment — use it on the jobs where it helps.
Frequently Asked Questions
How much does it cost contractors to offer financing through JBFin?
Nothing. JBFin is 100% free to use — no dealer fees, no annual membership costs, and no application or doc fees. Free rates are available. Dealer fees only apply if you choose to buy down a rate or use a same-as-cash deferred-payment plan, which is always optional.
What credit score does a customer need to qualify?
Approvals go down to a 550 credit score. The initial credit check is a soft pull, so customers can pre-qualify without affecting their credit. Approval is based on the full credit profile, not the score alone, and the program's overall approval rate is around 54%.
How fast do customers get approved?
Customers apply online and typically receive an approval or denial in under 15 minutes. That speed lets you keep the sales conversation moving while you're still in the home, instead of waiting days for a decision.
How quickly do contractors get paid?
Funds are deposited directly to your account within 24 hours of job completion, or after the standard 3-day right-to-cancel period, whichever comes last. You'll submit an itemized invoice and a signed completion certificate to release funding.
What types of jobs and properties are eligible?
JBFin covers installs that include equipment or parts — HVAC, plumbing, electrical, mini-splits, foundation repair, and duct work. Owner-occupied homes and rental properties both qualify. Manufactured homes on rented land qualify up to $7,500 with a 680 FICO. Standalone service calls and new construction are not eligible; commercial jobs run through JBFin Commercial.
What are the loan amounts, terms, and rates?
Loans range from $1,000 to $100,000, with terms from 12 to 240 months. APRs start at 9.99%, and zero-interest promotional options are available. There is no early payoff penalty, and rates do not change if a customer misses a payment.
Does JBFin integrate with my field service software?
No. JBFin operates as a standalone financing platform — there's no FSM integration or mobile app. You receive a unique application link you can add to your website, CRM, or send directly to customers, plus daily reports and email and phone support to track every application.
