I own a consumer finance company that works with home improvement contractors. We basically make it so the contractor can offer "in house" financing to their poor credit customers. This is a hot sub prime market product that is widely desired by contractors i.e. roofers, painters, plumbers, pool installers, etc. What makes this so great for the contractors is: They get the full cost of their service in their bank account within 3 business days. They get all their money up front when most often they must get half upfront and half when the job is done leaving a chance for them to get burned. No contracts to sign No equipment to lease like merchant accounts. No recourse The customers love it because: They can spread the cost of the home improvement out over 4-6 years. They get an immediate boost in their homes value. Even if they have poorer credit, we can still help them get their work done. This is a win-win all the way around. My staff will close the interested parties, all I need is solid IM pros to get me the contractors to close. PM me if interested.