You start the deal. We help you close it.
Pre-qualify homeowners in 60 seconds with no credit impact. Loans from $1,000 to $100,000 — so contractors and dealers close more sales.
SCN helps you grow revenue
Whether it's a kitchen or bathroom remodel, a new roof, windows, siding, or an HVAC repair, SCN offers flexible home improvement financing for dealers and contractors that helps you close more sales — without making your customer wait or worry about their credit score.
- Soft-pull pre-qualification — zero credit score impact
- Loans from $1,000 to $100,000 (CA & TX min $2,000)
- Fixed rates as low as 6.24% APR for excellent credit
- Terms up to 144 months (12 years)
- Funds in as little as one business day
- Co-borrowers welcome on most programs
- Available in 47 states (excludes MA, NV, RI)
- No early repayment penalty
From roof to flooring — everything in between
Kitchen & Bath
Full remodels, cabinetry, countertops, fixtures.
Roofing & Siding
Replacement roofing, gutters, siding, exterior work.
HVAC & Plumbing
Heating, cooling, water heaters, plumbing repair.
Windows & Doors
Energy-efficient window and door replacement.
Flooring
Hardwood, tile, vinyl, carpet — every surface.
Anything Else
Any legitimate home improvement expense qualifies.
How does SCN compare?
| Feature | Community Banks | Credit Unions | Credit Cards | SCN |
|---|---|---|---|---|
| Instant Online Pre-Qualification | ||||
| Compare Lenders by APR | ||||
| Compare Lenders by Monthly Payment | ||||
| No Hard Credit Pull to Pre-Qualify | ||||
| Funds within 1 Business Day |
SCN Finance explained
Straight answers about how the program works for contractors and their customers.
What is SCN Finance?+
SCN Finance is a lending marketplace where the nation's premier online consumer lenders pre-qualify customers for personalized loan options in 60 seconds — with no impact to the homeowner's credit score. We use an initial soft credit inquiry to provide access to competitive, fixed-rate loans.
How much can my customer borrow?+
Our network of lenders offers loans ranging from $1,000 to $100,000 for qualified customers. In California and Texas, the minimum is $2,000.
What can the funds be used for?+
Roof to flooring and everything in between. Funds can be used to purchase and install virtually any home improvement expense.
What are the best loan terms available?+
Applicants with excellent credit may qualify for rates as low as 6.24% APR with extended repayment terms of up to 144 months (12 years).
How long does loan approval take?+
Qualified applicants can be approved during business hours and may receive their funds within one business day.
Are there any fees?+
Lenders charge no penalties for early repayment and no processing fees on loans of more than $40,000. For loans under $40,000, some lenders may charge an origination fee between 1% and 6%. No-fee options are clearly highlighted on the offers page.
Can co-borrowers apply?+
Yes. Some funding partners accept co-borrowers, who can be added to the form immediately after the primary applicant submits their information.
Is the program available in all 50 states?+
SCN Finance is accessible from any internet-connected device across the United States, except in MA, NV and RI. We're rapidly expanding to remaining states.
Why use SCN instead of going to lenders directly?+
Rates and terms on SCN Finance are provided directly by lenders — they're already making their best offer. You receive multiple offers from multiple lenders in seconds with no credit impact, all in one place. You save on rates and time.