Integration · Financing Partners
Win High-Ticket Deals with the Lowest APR in Your Offer Stack
Aven is a HELOC-backed home equity card that gives qualified homeowners access to rates typically ranging from 7% to 12% APR — significantly lower than traditional home improvement loans. For contractors selling $25,000+ solar systems or premium roofing, Aven can be the difference between a closed deal and a stalled one.
What Connects Between Aven and SubcontractorHub
The specific data flows that eliminate double entry and keep both systems current without extra work from your team.
Pre-Qualification Link and Status
SubcontractorHub generates a personalized Aven pre-qualification link tied to the job record and sends it to the homeowner. When the homeowner completes pre-qual and receives an offer, the approval status and available credit amount sync back to the job record.
Approved Credit Limit Visibility
Once Aven approves a homeowner, their available credit limit is displayed on the SubcontractorHub job record — so your rep can confirm the job amount is within the homeowner's available equity before presenting the proposal.
Transaction and Disbursement Status
When the homeowner uses Aven to pay the contractor invoice, transaction confirmation and disbursement status sync to SubcontractorHub, giving your AR team accurate payment timing without calling Aven support.
Rate Display in Proposals
Aven's current rate range syncs into SubcontractorHub's proposal builder so your estimates can display the estimated monthly payment at Aven's typical APR alongside higher-rate loan options, making the rate advantage immediately visible to the homeowner.
How to Connect Aven with SubcontractorHub
Register Your Business with Aven
Apply through Aven's contractor partner program — Aven verifies your business license, insurance, and reviews your customer service track record.
Complete Aven's HELOC Product Briefing
Aven requires partners to complete a short briefing on how HELOC-backed products differ from unsecured loans so your reps can explain the product accurately to homeowners.
Connect Aven in SubcontractorHub
In SubcontractorHub under Integrations > Financing Partners > Aven, authenticate using your Aven partner credentials and confirm the test pre-qual link generates correctly.
Set Aven as a Premium Option on High-Value Job Types
Configure SubcontractorHub to automatically include Aven as a financing option on proposals above your defined threshold (e.g., $20,000+), ensuring the lowest-rate option is always surfaced for high-ticket jobs.
Ready to connect Aven?
Book a 30-minute demo — we'll show you exactly how the integration works and walk you through setup for your account.
Who Uses the Aven Integration
Solar Company Wins the Rate Objection
A solar rep is competing against a homeowner's bank offering a personal loan at 14.9% APR. The rep pulls up the SubcontractorHub proposal showing Aven's estimated 8.5% APR option — the monthly payment on a $35,000 system is $280 lower per month. The homeowner qualifies for Aven and signs the same day.
Premium Roofing Job Financed at Home Equity Rates
A roofing company selling $22,000 GAF Timberline HDZ+ installations uses Aven to eliminate the payment objection. At 9% APR over 120 months, the monthly payment is under $280 — less than many car payments. The offer is presented in the SubcontractorHub proposal alongside the cash price.
Contractor Segments High-Value Leads for Aven Pre-Qual
A solar company identifies leads with estimated home equity above $100,000 using property data in SubcontractorHub. For those leads, the CRM automation sends an Aven pre-qualification link before the sales appointment so the homeowner knows their rate before the rep arrives.
Finance Manager Compares Aven vs. Loan APR Impact on Margin
Because Aven is a direct payment product rather than a dealer fee model, the contractor receives full invoice value without a percentage deducted. A solar company's finance manager compares Aven-paid jobs (0% dealer fee) against GoodLeap-financed jobs (5.5% dealer fee) and quantifies the per-job margin difference — $1,925 on an average $35,000 system.
Common Questions About the Aven Integration
How does Aven's HELOC model differ from a standard home improvement loan?
Aven is secured by home equity — the homeowner's house is collateral, similar to a traditional HELOC or home equity loan. This allows Aven to offer much lower rates (typically 7–12% APR) than unsecured loans, which often run 10–20% APR. The tradeoff is that not all homeowners qualify (they need sufficient equity) and the approval process involves a title search, which takes a bit longer than an unsecured loan decision.
How long does Aven approval take compared to a traditional solar loan?
Aven's approval process typically takes 2–7 business days because of the equity verification and title search steps — longer than the near-instant decisions from unsecured solar lenders. Plan to introduce Aven early in the sales process (at quote stage or before) rather than as a last-minute option at signing.
Does using Aven affect the contractor's cash flow differently than a dealer-fee model?
Yes — Aven pays the contractor the full invoice amount because there is no dealer fee structure. The homeowner uses their Aven card to pay you like any other payment. This means your effective project margin is higher on Aven-paid jobs compared to lender-financed jobs where a dealer fee is deducted from your payout.
What is the minimum credit score and equity required for Aven?
Aven typically requires a credit score of 640+ and meaningful home equity (generally at least 20% equity remaining after the credit line). Home value and outstanding mortgage balance determine the available credit line. Homeowners in high-appreciation markets with paid-down mortgages are the best candidates.
Can I use Aven alongside other financing options in the same SubcontractorHub proposal?
Yes. SubcontractorHub supports multi-option proposals where Aven appears as the 'lowest rate' option alongside an unsecured loan from GoodLeap or Sunlight. This lets homeowners self-select based on their preference for rate versus speed of approval, without you having to build separate proposals for each option.
Connect Aven with SubcontractorHub
Your team keeps working in the tools they know. SubcontractorHub ties them together so nothing falls through the cracks.
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