Contractor Financing Network

Turn home equity into signed contracts.

We connect solar, roofing, and home-improvement companies with Figure's home equity lending platform. Homeowners can check pre-approval in just a few minutes with a soft credit check that won't affect their score — with funding in as little as 5 business days and loan amounts up to $750,000.

Become a Partner See How Funding Flows
~5 min to check pre-approval
Soft pull no impact to credit score
5 days funding once approved
$750K maximum loan amount
FIG. 1 — CAPITAL FLOWSCHEMATIC
HOME EQUITY Homeowner's available equity FIGURE UNDERWRITING Automated approval & funding HOMEOWNER FUNDED Full amount disbursed at closing CONTRACTOR PAID Per your standard payment terms A B C D
The Problem

Most stalled deals aren't a sales problem. They're a capital problem.

A homeowner wants the project. They just don't have $30–90K in cash sitting around — and most of them are sitting on far more than that in home equity they've never touched.

Cash offers lose deals

Asking a homeowner to write a check on the spot is the single biggest reason quotes go cold. Financing keeps the conversation moving instead of ending it.

Equity is the underused asset

Home equity lending unlocks capital homeowners already have, at rates well below unsecured personal loans or credit cards — without touching their first mortgage.

The Mechanism

One partnership, four moving parts.

Figure's platform handles underwriting and funding end to end. Your team simply presents financing as an option at the point of sale.

FIG. 2 — A

Homeowner applies

A short online application with a soft credit pull — no impact to their score, no paperwork at the kitchen table.

FIG. 2 — B

Underwriting runs

Figure evaluates available home equity and issues a decision, often the same day the application is submitted.

FIG. 2 — C

Contract is signed

With financing confirmed, the homeowner signs your contract and the project is scheduled like any cash deal.

FIG. 2 — D

Homeowner is funded

The approved amount is disbursed directly to the homeowner, typically within about 5 business days of closing — they then pay your business per your own contract's standard terms.

Who This Is Built For

If your customer needs a five-figure check, we can help you close it.

The financing structure works anywhere a homeowner is investing in their property — solar is where we started, and the platform extends across the trades.

Solar & Battery Storage

Panel systems, BESS installs, and EPC projects across residential and light commercial.

Roofing

Full replacements and storm-repair projects that need to move before the next season.

Windows & Doors

Whole-home window packages and entry systems sold on efficiency and comfort.

HVAC

Full system replacements where financing turns an emergency into a planned upgrade.

Full Remodels

Kitchens, additions, and larger scopes where equity is the natural funding source.

Other Home Improvement

Siding, decking, basement finishing, and any project sized for a home equity draw.

Why Partner With Us

We sit between you and the lender — not in your way.

We manage the lending relationship, the underwriting questions, and the deal-desk support so your sales team can stay focused on the sale.

01

Same-day decisions

Most homeowner applications receive a credit decision within hours, not the 2–4 weeks typical of a traditional HELOC.

02

First mortgage stays untouched

Homeowners access equity without refinancing an existing low-rate mortgage.

03

Full funds, fast

Homeowners receive their full approved amount directly, typically within about 5 business days — so they're ready to pay you per your standard contract terms without a drawn-out disbursement process.

04

Dedicated deal desk

A direct line to our team for underwriting questions, status checks, and escalations — not a call center queue.

05

Co-branded sales materials

Financing one-pagers, calculators, and scripts your sales reps can use at the point of sale.

For Homeowners

Ready to check what your equity could cover?

Check your pre-approval in about five minutes with a soft credit check that won't affect your score. Loan amounts up to $750,000, with funding in as little as 5 business days once approved.

Apply Now Read Common Questions

You'll be taken to Figure Lending LLC to complete your application. Home Equity Lending LLC is a marketing affiliate and does not make lending decisions.

Common Questions

What contractors and homeowners ask us most.

Straight answers on how home equity financing works through this partnership.

What's the difference between a HELOC and a home equity loan?+
A home equity loan gives you a single lump sum with a fixed repayment schedule. A traditional HELOC (home equity line of credit) instead lets you draw funds as needed over time, up to an approved limit. Figure's HELOC is a bit of a hybrid: it requires the full approved amount to be disbursed at closing, similar to a home equity loan, but keeps the line open so homeowners can redraw funds as they repay during the draw period.
How fast can financing be approved for a project like solar or a roof replacement?+
Homeowners typically complete the online application in about five minutes, and many receive a credit decision the same day — a meaningfully faster timeline than a traditional home equity loan, which can take several weeks. This makes it practical to offer financing at the point of sale rather than asking a homeowner to wait before signing a contract.
Does checking eligibility affect a homeowner's credit score?+
The initial eligibility check uses a soft credit pull, which does not affect the homeowner's credit score. A hard credit inquiry only occurs later in underwriting, once the homeowner chooses to move forward with a full application.
Will taking a HELOC affect a homeowner's existing mortgage?+
No — a HELOC or home equity loan sits behind the homeowner's existing first mortgage rather than replacing it. Homeowners keep their current mortgage rate and terms untouched while accessing equity separately.
How does the contractor get paid once a homeowner is approved?+
Figure disburses the full approved loan amount directly to the homeowner's account at closing, typically within about 5 business days — there is no lender-managed milestone draw process to the contractor. The homeowner then pays your business according to whatever payment schedule is set out in your own contract with them.
Which trades and project types qualify for this financing?+
The financing structure applies broadly to home-improvement projects a homeowner is investing in their property for, including solar and battery storage, roofing, windows and doors, HVAC replacement, full remodels, and other qualifying home improvement work.
How much can a homeowner borrow?+
Loan amounts through Figure's home equity products range up to $750,000, depending on the homeowner's available equity, credit profile, and underwriting approval.
Who actually originates and underwrites the loan?+
Home Equity Lending LLC is a marketing affiliate and does not originate, underwrite, or fund loans. All financing is originated by Figure Lending LLC, an equal opportunity lender. Approval, rates, and terms are determined by Figure's underwriting guidelines and vary by state.
Start a Partnership

Let's get your sales team financing-ready.

Tell us about your business and project volume. We'll follow up within one business day to walk through onboarding and underwriting requirements.

Partnershipsinfo@homeeqty.com