Integration · Financing Partners
Close More Jobs with Contractor-Friendly Financing Terms
Concert Finance is a home improvement lender built with contractor growth in mind — flexible terms, competitive rates, and a dealer program focused on helping contractors win more jobs at higher average ticket sizes. SubcontractorHub brings Concert approvals and funding tracking into your daily workflow.
What Connects Between Concert Finance and SubcontractorHub
The specific data flows that eliminate double entry and keep both systems current without extra work from your team.
Application and Approval Data
Credit application data submitted in SubcontractorHub flows directly to Concert Finance, and approval results — including approved loan amount, APR, and term — are written back to the job record so your rep has everything needed to close without opening a second browser tab.
Product and Rate Card Sync
Concert Finance's current loan products, APRs, and term options sync into SubcontractorHub, keeping your proposal payment calculators accurate. Rate card updates in Concert's system automatically refresh your available products.
Homeowner Document Status
Concert's loan document workflow status (agreement sent, signed, in underwriting, approved for funding) mirrors on the SubcontractorHub job record, giving your office team a real-time view of where each deal is in the final approval pipeline.
Funding Notification
When Concert Finance releases funds to the contractor, a funding notification hits SubcontractorHub and can trigger a downstream action — such as marking the job complete, generating a final invoice, or notifying the project coordinator.
How to Connect Concert Finance with SubcontractorHub
Apply to Concert Finance's Dealer Program
Submit your contractor credentials through Concert Finance's dealer enrollment portal — active license, insurance, and business history documentation are required.
Review and Execute Dealer Agreement
Concert Finance's dealer agreement defines your fee schedule, eligible project categories, and funding milestone requirements — review this carefully before activating.
Obtain API Credentials
After dealer account activation, generate your API key from the Concert Finance dealer portal under Integrations.
Activate in SubcontractorHub
Enter your Concert Finance API key in SubcontractorHub under Integrations > Financing Partners, verify the connection, and map products to your proposal templates.
Ready to connect Concert Finance?
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 Concert Finance Integration
Roofing Contractor Increases Average Ticket
A roofing company using Concert Finance finds that customers offered financing close at $2,400 higher average ticket than cash-pay customers — because financing makes premium shingles and upgraded underlayment an easy yes. SubcontractorHub tracks financed job margins separately so the owner can quantify the upsell impact.
HVAC Dealer Closes High-Efficiency Upgrades
An HVAC dealer uses Concert Finance's 84-month term to present a 20 SEER2 system at a monthly payment that's only $40 more than the base 16 SEER2 unit. The payment comparison is built into the SubcontractorHub proposal template, and the upgrade close rate improves measurably.
Multi-Trade Contractor Standardizes on One Growth Lender
A home improvement contractor offering roofing, HVAC, and insulation consolidates on Concert Finance as their primary growth lender because the dealer program covers all three trades under one fee schedule. SubcontractorHub's routing rules send proposals to Concert first, with a secondary lender as fallback.
Sales Manager Monitors Finance Conversion Rate
A sales manager pulls a monthly report from SubcontractorHub showing the ratio of proposals with Concert financing offered to jobs actually financed through Concert. The conversion data is used to coach reps on earlier and more confident financing presentation.
Common Questions About the Concert Finance Integration
What makes Concert Finance 'contractor-growth focused' compared to other lenders?
Concert Finance's dealer program is designed with smaller-to-mid-size home improvement contractors in mind — the fee structures, volume thresholds, and account management support are more accessible than programs that require very high monthly volume to access competitive rates. The program includes dedicated dealer support and rate incentives tied to volume growth over time.
What APR range should I expect customers to receive?
Concert Finance offers a range of APR products — promotional deferred-interest products for shorter terms and installment loans in roughly the 7.99–17.99% APR range for longer terms. The rate offered to any given customer depends on their credit profile and the product tier available to your dealership.
How long does Concert Finance take to fund the contractor?
Typical contractor funding through Concert Finance is 2–5 business days after the project completion documentation is submitted. Rush funding options may be available for certain dealer tiers — ask your Concert account manager.
Does Concert Finance cover solar and energy projects?
Concert Finance's primary focus is traditional home improvement — roofing, HVAC, windows, siding, and related categories. Solar financing is not their core product. For solar projects, consider pairing SubcontractorHub with a solar-specialist lender such as GoodLeap or Sunlight Financial.
Is there a minimum or maximum project amount for Concert Finance?
Concert Finance typically finances projects from $1,000 to $100,000, making it suitable for most residential roofing and HVAC jobs. Projects above $100,000 require manual review. The minimum is low enough to cover smaller HVAC repairs or accessory installations.
Connect Concert Finance 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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