Give Your Customers Consumer Direct Financing Options with

The annual percentage rate, or APR, depicted on the Platform by various Lenders, depend on many factors, including: the Customer’s credit score, the amount of debt they currently have, their income, the amount of financing they wish to obtain, and many other factors. Customers can see rates as low as 2.99% and as high as 29.99% (and sometimes higher).

The Platform works like Expedia for Contractors. The Platform offers every type of home improvement loan available in the marketplace. Lenders are competing to get the Customer the best loan possible.

The duration of the loan, or term, that is depicted on the Platform by various Lenders, also depends on many factors, just like the APRs. Customers can see terms as short as 3 years, or as long as 15 years (or higher in some cases).

Customers will have instant access to over 25 Direct-to-Consumer Lenders that will fund directly to the applicant. This brings great advantages:

• Options for applicants across the credit spectrum: prime to sub-prime
• Secured and encrypted process, all online
• No extensive paperwork on your end
• Fast approvals and funding: 24 to 48 hours after applicant has provided all documents/info

Funding will take place within 24 to 48 hours after full approval, either using Wire or ACH directly to the Customer.

When Customers apply through the Platform, the Platform performs a soft pull for pre-qualification purposes. The Platform does not perform any hard-pull. After Customers choose one of the financing options listed, the chosen Lender may (or may not) perform a hard pull, depending on the Lender. JBFin is great as a first look option if a Customer does not want to have their credit score pulled during the initial application process.

Customers can see financing options and get approvals with a FICO score as low as 580, subject to Lenders’ criteria, Customer’s credit worthiness, and ability to repay the loan.

Customers can see financing options for both secured and unsecured loans. Most financing options are unsecured. Home Equity Investment loans can also be enabled.

Contractors have been increasingly using Direct To Consumer (D2C) financing to reap the benefits of these types of loans. Having no dealer fees, financing for service and maintenance jobs, funding for mobile homes, and approvals for borrowers starting at 580 FICO score. Contractors are pre-approved to offer their Customers with consumer direct financing immediately, with no dealer documents required.

By simply taking a small deposit from the Customer and offering JBFin for Customer to finance the balance, Contractors overwhelmingly secure that Customer and that new job.

Using the Platform is FREE to use for all of your Customers.

The Platform is extremely easy to use, both for the Customer as well as for the Contractor. The Contractor can text or email their Customer a link that immediately opens a financing application. If the Customer needs assistance, they can call the customer service number on the screen and they will take the Customer’s financing application over the phone, walk them through the entire application, and assist the Customer in selecting the best financing option, all the way to completion.

Contractors do not need to understand the complexities and intricacies of financing to enjoy the benefits of growth with Consumer Direct financing. Contractors simply need to email/text their link to their Customers and that is it. Contractor’s will be notified of the status of every application submitted by their Customers through the Platform.

Instructions to add JBFin : Apply for Financing link on your website:

1. Choose one of the JBFin Apply Now buttons from the options below and "Save Image As..." option to save the image locally on your computer.
2. Provide the JBFin button file, along with your unique JBFin application link, that you were provided via email, to your webmaster.
   Your JBFin application link will look similar to the link below (replace your_customer_vendorid with the one provided to you):
   https://jbfin.mktplacegateway.com/gateway-public/jbfin/create_loan/CONSUMER?vendorId=your_custom_vendorid
3. Your webmaster can add the JBFin Apply Now button to your website and hyperlink it to your unique JBFin application link.
   This way, applicants can click on the link from your website to start the JBFin application process!
4. Apply Now Button Options:
   
   
5. If you have any questions about the above instructions, please email us at financing@jbwarranties.com or call 469-642-1198

If you have additional questions about JBFin, please email financing@jbwarranties.com or call 469-642-1198.