Integration · Financing Partners
Offer Deferred Interest Financing on Every Roofing and HVAC Job
GreenSky is one of the most widely recognized home improvement financing brands, trusted by millions of homeowners and accepted by thousands of contractors. SubcontractorHub's GreenSky integration makes it easy to offer same-as-cash and low-APR options on every proposal without touching a separate portal.
What Connects Between GreenSky and SubcontractorHub
The specific data flows that eliminate double entry and keep both systems current without extra work from your team.
Credit Application and Decision
SubcontractorHub sends customer data to GreenSky for a credit decision and receives back the approved credit limit, promo options, and account number — all displayed on the job record so your rep can close without switching apps.
Promotional Offer Sync
GreenSky's active promotional products (e.g., 18-month deferred interest, 60-month reduced APR) sync into SubcontractorHub so your proposal templates always show the correct current offers. Seasonal promotions update automatically.
Transaction Authorization
After customer approval, the GreenSky account is ready for a transaction. When you're ready to draw funds, SubcontractorHub can initiate the transaction authorization request to GreenSky — the step that triggers contractor payment.
Payment Release Confirmation
GreenSky's confirmation that a transaction has been authorized and payment is in process syncs to the job record, giving your AR team a confirmed expected payment date without a manual portal check.
How to Connect GreenSky with SubcontractorHub
Register as a GreenSky Merchant
Apply at greensky.com/contractors — GreenSky reviews contractor license, insurance, and business history; most established contractors are approved within 2–3 business days.
Complete GreenSky Merchant Training
GreenSky requires merchants to complete a short compliance training covering how to present financing options accurately and the required consumer disclosures.
Generate Your Merchant API Key
In GreenSky's merchant portal under Developer Settings, generate the API key for the SubcontractorHub integration.
Connect GreenSky in SubcontractorHub
Enter your merchant API key in SubcontractorHub under Integrations > Financing Partners > GreenSky, verify the connection, and configure which promo products appear on roofing vs. HVAC proposals.
Ready to connect GreenSky?
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 GreenSky Integration
Roofing Company Converts Insurance Jobs to Financed Upgrades
A storm restoration roofer uses GreenSky's 18-month same-as-cash product to upsell homeowners who just received an insurance payout to also replace gutters and add an ice-and-water shield upgrade. The average supplemental financed amount is around $3,200 per job — paid through GreenSky — adding nearly $2,600 of net margin after dealer fees.
HVAC Dealer Wins Against Lower-Price Competitors
An HVAC company that prices 8–12% above competitors uses GreenSky financing as a closing tool — the monthly payment on a GreenSky 84-month product makes the price difference irrelevant to most homeowners. The sales team is trained to convert the price objection to a payment conversation.
Remodeling Contractor Offers Financing Across All Trades
A home improvement contractor using GreenSky for both roofing and HVAC work sees that 44% of financed customers purchase a second trade service within 18 months. SubcontractorHub tracks the cross-sell and attributes it to GreenSky-financed customer lifetime value.
Dispatcher Sends Finance Link Before the Appointment
An HVAC dispatch coordinator uses SubcontractorHub's automation to send a GreenSky pre-qualification link to every scheduled HVAC replacement appointment 24 hours in advance. Customers who complete the pre-qual convert at a higher rate and the sales conversation starts from a position of established budget.
Common Questions About the GreenSky Integration
What is GreenSky's merchant fee structure?
GreenSky charges merchants a fee that varies by promotional product — longer deferred-interest terms and lower consumer APR options carry higher merchant fees. Standard fees typically range from 3% to 11% of the transaction amount depending on the product. Your specific fee schedule is in your merchant agreement and visible in the GreenSky merchant portal; SubcontractorHub syncs this for estimating.
How does the GreenSky transaction authorization process work?
After a customer is approved, GreenSky issues them a credit account with a set limit. The contractor doesn't receive money until they initiate a transaction (draw) against that account. The draw can be initiated at project start, completion, or in stages depending on your merchant agreement. SubcontractorHub can trigger the draw request at the appropriate project milestone.
Is GreenSky backed by a major bank?
Yes. GreenSky's loan program is funded through a network of federally insured bank partners, giving the program stability and regulatory credibility that matters to both contractors and homeowners. Goldman Sachs acquired GreenSky in 2022.
Can I use GreenSky for commercial projects?
GreenSky's primary product is residential home improvement financing. Commercial projects are generally not eligible. If you work across residential and light commercial, verify with GreenSky whether specific project types qualify.
What happens if the customer is declined for GreenSky?
SubcontractorHub lets you instantly re-route a declined application to another connected financing partner without re-entering the customer's information. This is especially useful if you have both GreenSky and Service Finance or Concert Finance connected — you can try a second lender within the same job record.
Connect GreenSky with SubcontractorHub
Your team keeps working in the tools they know. SubcontractorHub ties them together so nothing falls through the cracks.
Book a Free Demo