Whether the decision happens at the kitchen table or the showroom counter, the customer who can't pay full price today rarely calls back. We match contractors and merchants to point-of-sale financing programs that approve fast, fit your ticket size, and run on the systems your team already uses.
In-home sales close in the room or they don't close at all. Retail sales close at the counter or the customer leaves to "think about it" — and most never come back.
The single biggest reason? Cash. Even buyers ready to say yes often don't carry the liquidity for a $5K HVAC system, a $12K roof, an $8K furniture set. Without a financing option built into your sale, the deal walks. With the right one, it closes — same visit, same day.
Most operators end up with the wrong lender.
Picking a POS financing partner on your own usually means going with whoever your equipment distributor recommended, or whichever rep called you last. That's how contractors end up with lenders whose credit box doesn't match their customers, whose advance rates eat their margins, whose approval times are too slow for an in-home close.
Capital Sources matches you to lenders based on what you actually sell, who your customers actually are, and how fast your sales process actually moves. We've done the comparing already — you start from a shortlist.
We work with contractors and merchants across in-home and in-store environments.
Point-of-sale financing lets your customer split a purchase into monthly payments at the moment of sale — the kitchen table, the showroom, the job site. A third-party lender funds you up front (less an advance-rate discount, sometimes called a merchant fee or dealer fee) and the customer pays the lender directly in installments.
For you, it means same-day cash on closed deals and no in-house collections. For the customer, it means a quick approval and a fixed monthly payment instead of a five-figure check.
With the right lender, minutes. Same-day or instant approval is standard for in-home POS financing — applications run on a phone or tablet, decisions come back while your tech or salesperson is still in the home. That speed is what keeps the close in the room. We specifically match in-home operators to lenders built for this speed and workflow.
That's where lender selection matters most. Single-lender setups often only approve prime credit — which means half your customers get declined and the deal walks. We match operators to a stacked lender approach: a prime lender as your primary, plus near-prime and second-look lenders that catch the customers the primary declines. Same application flow for your crew, more approvals overall.
Nothing. No fee, no retainer, no invoice. We're compensated by the lender side when an introduction results in an approved arrangement. You get a matched lender, a facilitated introduction, and support through approval — at no cost to you.
Yes — both. The lenders are different and the sales workflows are different (in-home apps on tablets vs. checkout-counter integrations), but the principle is the same: match the program to how your customers actually buy and how your team actually sells. We profile both sides and match accordingly.
Three questions. One business day. We'll tell you what a fit could look like — no obligation.