The close happens in the moment. Financing keeps it there.
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 built for in-home and in-store speed, sized to your ticket, and designed to run on the phone or tablet your crew already carries.
Customers who walk out don't walk back in.
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 can close the same visit.
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 know the lenders in this space; you start from a shortlist instead of a cold-call list.
Built for the way you actually sell.
We work with contractors and merchants across in-home and in-store environments.
- HVAC installation and replacement
- Roofing
- Home improvement (windows, siding, kitchens, baths)
- Solar and home generators
- Water treatment and softeners
- Furniture and mattress retail
- Specialty retail and custom goods
- Appliances and home electronics
- Landscaping and outdoor projects
- Fireplace, pool, and outdoor living
POS financing, answered.
What is point-of-sale financing and how does it work for contractors?
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 the lender pays you, typically within days of completion, and no in-house collections. For the customer, it means a quick decision and a set monthly payment instead of a five-figure check.
How fast can my crew get approvals during an in-home sale?
With lenders built for in-home sales, a credit decision commonly comes back in minutes on a phone or tablet, while your salesperson is still in the home. That speed is what keeps the close in the room, and it is one of the things we screen lenders for.
What about customers with average or below-average credit?
That's where lender selection matters most. Lenders differ widely in the credit they will consider for a given product, ticket and term. Knowing which lenders look seriously at average and below-average credit in your industry, and presenting your program so they will, is the work we do before any introduction. No lender approves everyone; the goal is a program whose credit box matches the customers who actually walk through your door.
What does Capital Sources charge me?
How we are paid. The lender compensates us. We charge the business no application, enrollment, processing or retainer fee, and we have not seen a lender charge one either; we work to keep it that way, but cannot promise it for every lender. If you ask whether the lender pays us, the answer is yes, and we confirm it in writing before any introduction is made. Consulting engagements are separate, fee-based, and agreed in writing before work begins.
Do you work with both contractors and retail merchants?
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.
Ready to stop leaving deals on the floor?
We'll tell you what a fit could look like, no obligation.