Best consumer financing providers for restoration contractors
4 consumer financing providers serve restoration contractors; 0 name restoration explicitly and the rest serve all trades. The editor's pick is Wisetack. One publishes a starting price: $125 a month. 1 integrates with Jobber, 1 integrates with Housecall Pro and 1 integrates with Workiz.
Water and fire jobs run $3k to $50k and are paid mostly by insurers. Freeze events, storms and floods set the calendar; 24-hour answering decides who gets the job.
Tools 4editor's picks, then built for the trade, then published prices
3.9% flat merchant fee; 5.5% on 24-month 0% promos; $500-$25k loans; 17+ FSM integrations
$1,499/yr Essentials plus $99 setup; multi-lender marketplace; no dealer fees
Dealer fee quoted per merchant; owned by InterVest since 2022
Dealer fees 0.99%-15%; owned by Sixth Street-led consortium since 2024
How this list is built. Every listing names restoration or all trades as a market and sits in the consumer financing category. Order is editor's pick, then explicit trade coverage, then a published price, then name. Nobody pays to appear or to rank. The publisher's own product is labelled and gets no adjustment. Full methodology.