Close the Job Before You Leave the Driveway.
LendStrm puts point-of-sale financing directly into your estimate — so a customer who's ready to say yes can do it on the spot, without waiting on a bank, a discount, or a change of heart.
One Financing Program Across Home Improvement
A few of the trades already running on LendStrm — if you sell a big-ticket home improvement job, there's a good chance we already finance it.
Don't see your trade listed? Reach out — chances are we're already there, or we'll get there fast.
From Estimate to Funded Job, Without Leaving the Room
The financing conversation happens inside the same visit — not as a follow-up call three days later.
You Run the Estimate
Present your price the way you always do. The financing option comes up in the same conversation, not as a separate pitch.
They Apply in Under Two Minutes
Your customer completes a digital application on their own phone, right there — no paperwork, no waiting on a callback.
You Get Funded Directly
Once approved, funds go straight to your business — not a factoring company, not a payout schedule tied to your customer's repayment.
See What Your Average Job Becomes
The moment a price stops being a lump sum, it's an easier yes.
Full kitchen refacing project
Full tear-off & reroof
Whole-house window replacement
Becomes about $267/mo*
*Illustrative estimates only, based on a 45-month promotional term. Actual payment, term, and APR are determined by program lenders based on applicant creditworthiness. Not an offer of credit.
Everything Here Is Built Around the Estimate, Not the Paperwork
Friction-free mobile financing applications completed on-site, during the estimate
Close higher-ticket replacement and luxury renovation jobs without cash-flow objections
Dynamic promotional terms — same-as-cash and low-interest installment options
Funds disbursed directly to your business — not routed through a factoring intermediary
Let a customer say yes to the bigger scope, not just the version they can pay cash for
One application process across every trade you run, from a kitchen remodel to a new roof
What Contractors Ask Before Joining
Program terms, including any merchant fees, are set as part of your onboarding agreement. Reach out and our team will walk you through what applies to your business.
Decisions are typically returned in real time, on the same device your customer applied from — often before you've finished packing up from the estimate.
Not every applicant is approved by every program lender, the same as with any other consumer credit product. Your sales conversation doesn't have to stop there — cash, card, or a different promotional plan are still options.
Program terms and any commitment details are covered during onboarding. Talk to our team for specifics as they apply to your business.
Once a loan is approved and boarded, funds are disbursed directly to your business — the ongoing loan relationship is between your customer and the lender, not routed through you.
Ready to close more jobs?
Bring embedded financing to your next estimate — no separate application, no waiting on a bank.