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Contractor Financing Protection
Stop Losing Jobs to Financing Declines!
HelloRates is the only contractor financing program in the market that helps you recover declined credit deals & eliminate dealer financing fees!
Use the program seamlessly alongside your current lender or as your standalone full featured financing solution.
See How We Protect Revenue & Margin
Trusted By 10,000+ Contractors to Complete their Financing Stack
Contractor Financing Protection
Stop Losing Jobs to Financing Declines!
HelloRates is the only contractor financing program in the market that helps you recover declined credit deals & eliminate dealer financing fees!
Use the program seamlessly alongside your current lender or as your standalone full featured financing solution.
See How We Protect Revenue & Margin
Trusted By 10,000+ Contractors to Complete
their Financing Stack
A Costly Problem for Contractors
Most Financing Programs Create Two Costly Revenue Risks
Declines that reduce deal close rates. Financing fees that reduce net revenue per job.
Together, these revenue risks shrink total contractor revenue.
Big Risk #1
Declines Below 650 FICO
Most programs decline applicants below 650 FICO
Declined jobs rarely move forward
Every decline reduces total revenue
Result: Lost deals and lower close rates
Big Risk #2
5-15% Merchant Financing Fees
Approved deals often carry merchant fees of 5–15%
Fees are deducted from revenue
High-fee plans eat into profit margins
Result: You win the job — but lose margin
A Simple Solution
HelloRates Fixes Both Without Replacing Your Current Lender
The HelloRates Turn-Key Solution
Adds a second approval path to complete your financing stack
Approves customers down to 500 FICO scores
Provides gap financing for partial approvals
Eliminate per loan & merchant financing fees
No paperwork. No training. No workflow changes.
No paperwork. No training.
No workflow changes.
Our zero work promise lets you offer the program in under five minutes.
Revenue & Margin Protection on Every Financed Deal
Revenue & Margin Protection on
Every Financed Deal
Expanded Approvals. Zero Financing Fees.
Expanded Approvals
Each application is evaluated across multiple approval paths to help recover deals your primary lender declines.
Zero Financing Fees
No merchant fees. no per-loan fees. No financing charges. You keep more of every funded job.
Flexible Deployment
Use alongside your existing lender as your backup or operate it as your primary financing program.
See How We Protect Revenue & Margin
A Second Approval Path that Completes Your Financing
A Second Approval Path that
Completes Your Financing
Why Single Path Financing Leaves Your Revenue Exposed
If financing drives a portion of your revenue, Relying on one lender creates risk.
That risk shows up as:
Credit declines that kill your jobs
Short approvals that reduce your project size
Merchant fees that cut into your profits
Expanded approval coverage removes single-point-of-failure risk from every financed job
Expanded Approval Examples
Close the Financing Gap & Watch Your Revenue & Profits Increase
Most contractors lose revenue In two ways. Declined deals and dealer fees. Here's what that looks llke In real numbers.
HVAC Install $15,400
Primary Lender Declined Exposing $15,400 in Losses
HelloRates Approved & Funded
Full Revenue Preserved
Kitchen Remodel $23,800
Primary Lender Approved $18,000 Leaving $5,800 Short
HelloRates Covered the Shortfall
Full Project Scope Saved
Roof Replacement $9,600
Primary Lender Approved with 10% in Merchant Discount Fees
HelloRates Eliminated the Fees
Full Profit Margin Preserved
See How We Protect Revenue & Margin.
Expanded Approval Options = Increased Profits
If Financing contributes to your top line revenue , It should protect your revenue Instead of exposing It.
HelloRates expands your approval coverage & eliminates financing fees without adding complexity.
Simple 60 Second Application
Soft credit pull. no Impact to customer score.
No Financing or Merchant Fees
No merchant fees. No per-loan charges. Ever!
See How We Protect Revenue & Margin.
HelloRates By the Numbers
30+
Integrated Lending Solutions
45+
Real-time Expanded Approval Paths
10,000+
Contractors Using Expanded Coverage
$100M+
Financed Through Expanded Approvals
Contractor Testimonials
Real Contractors. Real Revenue & Margins Protected
Declined Deal Saved
”We had a $14,800 HVAC install declined by our primary lender. HelloRates was able to approved it. Without the second approval path, we would have lost that job. The program paid for itself with just one saved deal."
Mike Reynolds
CoolPro Heating & Air
Financing Fees Eliminated
“Dealer fees were cutting into our margin. With HelloRates we pay no merchant or per-loan fees. HelloRates already paid for iteslf in the first month with the improved margins.”
Carlos Martinez
Martinez & Sons Home Solutions
The ROI For Your Business Speaks For Itself
One job recovered or one dealer fee eliminated and the program has paid for itself.
Recover jobs lost to primary lender declines
Stop paying dealer financing fees on your own work
10,000+ contractors already have
Primary lender declines cost you jobs. Dealer fees cost you profit.
Fix in minutes!
See How We Protect Revenue & Margin
HelloRates helps contractors recover declined deals and eliminate financing fees. Designed to protect revenue and strengthen margins whether used alongside your current lender or as your standalone financing program.
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