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Payment options to grow your business

Regions technology makes it easy for everyone to provide contractor-offered financing

Here at Regions, we’ve used our experience in the industry to build technology specifically for home improvement financing. With PreQualify, paperless application methods, express credit decisions, and convenient loan management with PartnerPortal, you can start closing more jobs and get to work sooner. Plus, you can easily request funds from your customers and the money will be sent to your account via ACH - usually within 24 hours of homeowner approval.

Could Your Business Use a Little More Fast and Easy?

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We know you and your customers are busy, and the last thing either of you wants is a complicated application and funding process. That’s why we offer three paperless application methods that can be completed while you’re in the home with the customer. Plus, with a credit decision usually ready within minutes, you’re able to start the job sooner.

Requesting funds is a breeze. Simply request a disbursement in our secure online platform, PartnerPortal, and the homeowner will receive the request via their preferred method. Once accepted, those funds will hit your account in as little as 24 hours.

You spend less time on paperwork and more time getting to work.

Unique Benefits and Resources Built for Home Improvement

We’re a stable and reliable specialized home improvement lender with decades of experience.
Contractors who work with Regions regularly report seeing:

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Flexibility to thrive

We offer a wide choice of payment options to give your customers the flexibility they want — offer a Same-As-Cash and Reduced Interest Loan and let your customer select the one that's best for them.

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Great marketing tools

Regions provides high-quality marketing assets and other resources, including top-notch training designed to make offering payment options easier and more effective.

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The personal touch

Like an extra team member on your crew, looking out for you and your business, your dedicated relationship manager is committed to your success and provides the support you need.

Home Improvement Financing Options to
Help You Grow Your Business

 

Research shows that over 55% of home improvement projects are financed in some way.* By offering payment options to your customers, you establish yourself as their problem solver – increasing the likelihood that they’ll choose you for their project.

Offering payment options gives your customers greater spending power to get the project they want when they want it! 

*HIRI TFG Monthly report, released October 2023


Click the cards below to see benefit details.

ClickTap the cards below to see benefit details.

Same-As-Cash

Same-As-Cash
Reduced Interest Loans

Reduced Interest Loans
Zero Interest Loans

Zero Interest Loans
Traditional Installment Loans

Traditional Installment Loans
Yes Loans

Yes Loans

Increase Your Leads and Sales by Offering Regions Home Improvement Financing

When hiring a contractor for their home renovations, not every homeowner understands how much quality services and materials can cost, leaving them scrambling for funding. Contractor financing for customers will put their dream projects within reach, without compromises — and will empower you to grow your business and increase sales of larger jobs.

More leads mean more business for you. By advertising a choice of payment options in your marketing, you can see a 50% increase in leads* and a better conversion rate. Plus, by providing a great customer experience, you’re more likely to get future work via referrals to friends and family.

Offering the right payment options can almost double your close rate. We've found that companies with a 25% baseline can increase their close rate to 44% when they offer a choice of a Same-As-Cash loan and a low monthly payment loan.*

*Based on the Brickyard Study commissioned by Regions, 2018

We are now Regions Home Improvement Financing - Formerly Regions | EnerBank USA

Learn more here

Regions Customer Service Provides a Personal Experience

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Dedicated Relationship Manager

Like an extra team member on your crew, your dedicated relationship manager is committed to you and will provide the support you need to be successful.

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Excellent Customer Experience

We know home improvement projects can be stressful for everyone involved, and that's why we work to ensure that both you and your customers have the best experience possible.

Customers Value Having Financing Options for their Projects

Strength and Stability

Strength and Stability Through the Decades

At Regions, we've been doing home improvement lending for a while - over two decades to be exact. During that time, we've seen a lot of changes both within the industry and the economy. One thing that has remained consistent all these years, however, is our commitment to our contractors.
Better Loan Management

Better Loan Management

Unlike other financial companies that offer similar services, we haven't had to put a pause on our lending. This is because we've never overextended ourselves and have always prioritized responsible lending. As a result, you know that you can get the funding you need when you need it, regardless of outside factors.
Focus on Home Improvement

Focus on Home Improvement

With 20 years in the home improvement industry, we've designed all our tools, resources, and loans with your needs in mind. Plus, you'll be working with people who have experience in your specific trade at every level of the bank, providing an invaluable resource for your business.
Stability of a Bank

Stability of a Bank

We're an actual bank. This means you can rely on the security of sound underwriting and best practices. Both you and your customers can rest easy knowing that your financial information is protected at every stage of the process. Additionally, we fund and service all our loans, so you get paid quickly and we don't pull back funds if your customer defaults on their loan.
Get Started Today!

Offering Same-As-Cash loans Grows Your Business

The Same-As-Cash Loan from Regions makes closing deals, increasing project size, and delighting your customers an absolute breeze. We call it “Same-As-Cash,” but really, it’s better than cash, because it’s a short-term lending solution with no interest and no monthly payment required during the “same-as-cash” period — (on approved credit – interest waived if paid in full during the same-as-cash period) — which means your customer can use the cash they have for other stuff.

Getting Started with Regions is Fast and Easy

Getting started with Regions is fast
Getting started with Regions is fast

 

You could be offering Regions financing
in as little as 3 weeks!

Experience a fast and helpful onboarding process with no sign-up fees. Then Regions can help you focus on growing your core business by giving your customers financing options that best meet their needs, like Same-As-Cash Loans or low monthly payments.

To offer Regions payment options, you must meet the following criteria:

  1. A residential home remodeling focus for your business.
  2. A U.S.-based business that has been in operation for at least five years (three years for contractors with an existing Regions banking relationship).
  3. An average project size of at least $5,000.
  4. Annual residential remodeling sales of at least $500,000 ($300,000 for contractors with an existing Regions banking relationship).
Start Making it Easier

Don't Pay for What You're Not Using

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No Hidden Fees

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No Annual Fee

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No Signup Fee

Our affordable dealer fees enable us to present you with the payment options that make you look better to your customers. Those fees allow us to offer low-interest loans, Same-As-Cash loans, and industry-leading customer service, making your offer that much more attractive for your customers.

The only time you pay anything to is when one of your financed projects gets funded. Plus, you can see exactly what your fees are for any loan at any time in our secure online platform. We don’t charge hidden fees, like draw or payout fees. It’s that simple.

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Industry Leading Support

We take good care of you and your customers. Our U.S.-based lending department and customer service professionals are here to help throughout the life of your customer’s loan.

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100% Non-Recourse Loans

Regions loans are all non-recourse for you, the contractor. That means we assume all the credit risk, one of the many advantages of working with an actual bank.

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A Smoother Sales Process

Remove delays in closing the deal. Whether online or using a smartphone, your customers have a choice of three fast, easy, paperless ways to apply.

Get Started Today!
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Credit and loans provided by Regions Bank, Member FDIC Online

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