For merchants · Contractors and home improvement
How contractors can offer customer financing without signing up
Short answer: Contractors can offer financing by sharing the Compare Loan Offer (CLO) application link. Customers pre-qualify with multiple lenders, including Upgrade, Prosper and OneMain, without affecting their credit. If approved, the lender funds the customer directly, and the customer pays you like any other invoice. No signup is required.
- Signup required
- No
- Credit check to pre-qualify
- Soft pull, no credit score impact
- Loan amounts customers can request
- $1,000 to $50,000
- Who receives the funds
- Your customer, by deposit to their bank account
- Time to fund after final approval
- 24 to 48 business hours at most lenders
- Lenders compared
- Multiple lenders through CLO's partner network
Last updated October 27, 2026
How does the CLO link work for contractors?
Text it, email it, add the button to your site, or print the QR code on your estimates.
No. The link works for anyone you send it to.
Your customer, deposited to their bank account after the lender approves them.
Your customer pays you directly, the same way they'd pay any invoice.
No. CLO never sees application data, so status goes only to your customer. Ask them to share their offer email with you.
"Checking your rate won't affect your credit score." Never promise approval.
Your merchant kit
Get your link, a printable QR code, a customer message and the website button on the For merchants page.
A CLO personal loan is paid to your customer, not to you. It isn't a guaranteed payment to your business.
Common questions from contractors
What home projects can a CLO personal loan pay for?
Roof replacement, HVAC and AC replacement, kitchen and bathroom remodels, repairs and most other home projects. Because the customer is funded directly, they can use the money for your invoice, materials or any part of the job.
How is this different from a contractor financing program?
A contractor financing program usually needs a merchant agreement and pays you through the program. The CLO link needs no signup. Your customer compares offers from several lenders, gets funded directly, and pays you.
How fast can my customer get the money?
Pre-qualifying takes minutes. After your customer picks a lender and finishes its application, final approval typically takes 1 to 3 business days, or up to 5 to 7 for higher-risk applicants. Most lenders then fund within 24 to 48 business hours.
What if my customer has fair or bad credit?
Several lenders in CLO's network work with fair credit. Pre-qualifying shows which lenders will work with your customer without affecting their score. Not everyone will receive an offer.
Does sharing the link put my business on the hook for the loan?
No. The loan is between your customer and the lender. Your business isn't a party to it and doesn't guarantee it.
Is a CLO personal loan guaranteed payment to my business?
No. The lender pays your customer, not you. Collect payment from your customer the same way you would for any job.