One application
All Credit tiers
More Approvals
More jobs closed
Your customer applies once. We run that application through a lender waterfall built for home improvement — first look, second look, third look, fourth look — so more of your homeowners come back approved and fewer jobs stall at the kitchen table.
No cost to sign up · No monthly platform fee · Instant decisions
A single lender says no a lot more often than three do.
Lend Home Improvements is not a lender and not a noisy marketplace. We sit between you and a curated panel of lenders, and our only job is getting the order right — the best first look for your customer, then a second, and then a third and final credit evaluation - all without a hard inquiry to a consumers credit report.
You keep one login, one application flow and one point of contact. We watch how every lender performs across the whole book and tune the waterfall when the data says to.
Real reporting, finally
Your portal shows applications, decisions and funding status as they happen — not a monthly PDF from someone else’s system.
Plans built for your jobs
Payment options built for the way home improvement work actually closes, with every number shown before you present the offer.
Funded the same day
Finish the job, submit your paperwork in the portal and get funded the same day — no chasing four lenders.
Three steps from estimate to funded
Send the application
Text or email the homeowner a link from your phone at the table, or apply with them on the spot. One form, one place to track it.
We run the waterfall
The application moves down the looks automatically until it finds a yes. Decisions are instant, and you see the offers side by side and present the one that fits.
Sign, build, get funded
Documents are signed digitally, the job goes on the schedule, and funds hit your account the same day the work is complete.
Built for residential home improvement
We finance work homeowners live with every day. If your crews are on residential jobs, you fit — we do not finance solar.
We started on the contractor’s side of the table.
Lend Home Improvements began as a referral relationship with a single lender, and we watched good jobs die at the kitchen table because one credit box said no.
So we built the platform we wanted our dealers to have: four lenders behind one application, real data in the dealer’s hands, and a team that answers the phone. We work only with residential home improvement contractors, and every dealer has a named person here — not a ticket queue.
Ready to stop losing jobs to “declined”?
The application takes about 10 minutes. No enrollment fee and no monthly platform fee.