Integration · Financing Partners
Put HVAC Financing on Every Proposal You Write
Service Finance is one of the most widely used financing companies among HVAC dealers, offering deferred interest, low-APR, and same-as-cash products designed for home comfort system replacements. The SubcontractorHub integration puts Service Finance approvals inside your HVAC proposal workflow.
What Connects Between Service Finance 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 submits customer credit applications to Service Finance and receives back the decision — approval status, approved amount, and qualifying promo options (e.g., 18-months same-as-cash, 7.99% APR for 84 months) — directly on the job record.
Promotional Product Availability
Service Finance's active promotional financing offers (deferred interest periods, reduced APR promotions) sync into SubcontractorHub so your reps always know what's currently available and can lead with the strongest offer on each visit.
Loan Document Status
Customer loan agreement status (pending signature, signed, submitted) is mirrored on the SubcontractorHub job record so office staff know when to advance to equipment ordering and installation scheduling without manually checking Service Finance's dealer portal.
Contractor Payout Confirmation
Service Finance's contractor payment release notification syncs to SubcontractorHub, creating an automatic trigger for your accounts receivable workflow — whether that means generating a QuickBooks invoice or notifying your billing team.
How to Connect Service Finance with SubcontractorHub
Apply for a Service Finance Dealer Account
Visit servicefinance.com and complete the dealer enrollment — most licensed HVAC contractors with active insurance are approved within 1–2 business days.
Attend the Required Dealer Orientation
Service Finance requires a short onboarding call covering compliant financing disclosures and how to present promotional offers to customers.
Retrieve Your Dealer API Credentials
Log into your Service Finance dealer portal and generate an API access key under the integrations section.
Connect to SubcontractorHub
In SubcontractorHub under Integrations > Financing Partners > Service Finance, enter your API credentials and map each promo product to your HVAC proposal templates.
Ready to connect Service 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 Service Finance Integration
HVAC Tech Presents Financing at the Diagnostic Visit
An HVAC technician arrives for a $150 service call, diagnoses a failed heat exchanger on a 17-year-old system, and uses SubcontractorHub on a tablet to present a $9,800 system replacement with an 18-month same-as-cash Service Finance option. The homeowner signs the proposal and the loan application before the tech leaves — the system is ordered that afternoon.
Dealer Runs Seasonal Financing Promotions
An HVAC dealer runs a summer promotion using Service Finance's 0% for 24 months product, displaying it prominently in every SubcontractorHub estimate sent between May and August. The promotion drives a measurable increase in average ticket value compared to shoulder-season months.
Office Manager Tracks All Pending Finance Approvals
An HVAC company's office manager filters the SubcontractorHub job board to 'Service Finance — Approved, Not Signed' every morning to identify customers who were approved but haven't executed their loan documents yet. A follow-up call that day converts 30–40% of those pending jobs.
Roofing Contractor Adds HVAC Financing for Combo Jobs
A home services company that does both roofing and HVAC uses Service Finance for HVAC replacement jobs and GreenSky for roofing. SubcontractorHub keeps both lender integrations active simultaneously, routing proposals to the correct financing partner based on job type.
Common Questions About the Service Finance Integration
What financing products does Service Finance offer HVAC dealers?
Service Finance's most popular HVAC dealer products include 12-, 18-, and 24-month same-as-cash (deferred interest) promos, reduced-APR installment loans in the 6.99–9.99% range for terms of 60–120 months, and low-payment options for customers who want the smallest monthly outlay. Specific products available to your dealership depend on your enrollment tier.
What does 'deferred interest' mean, and is it a problem for my customers?
Deferred interest means interest accrues during the promotional period but is waived if the balance is paid in full by the deadline. If the customer does NOT pay in full, all the accrued interest is added to the balance at once. It's important to disclose this clearly — Service Finance requires dealers to explain the terms accurately, and SubcontractorHub's proposal templates include the required disclosure language.
How quickly does Service Finance fund the contractor?
Service Finance typically releases contractor payment within 2–3 business days after the homeowner signs the completion confirmation and required documentation is submitted. Same-day or next-business-day funding may be available for contractors with high-volume dealer status.
Does Service Finance finance non-HVAC home improvement projects?
Yes — Service Finance covers a range of home improvement categories beyond HVAC, including plumbing, electrical, insulation, water treatment, and windows. If you offer multi-trade services, your dealer account can potentially be enabled for additional categories.
What credit score does Service Finance typically require for approval?
Service Finance approves applicants across a range of credit profiles, though the best promotional products (longest deferred-interest periods, lowest APRs) are reserved for borrowers with higher scores, typically 680+. Installment loan products may be available to borrowers in the 620–679 range depending on income and debt-to-income ratio.
Connect Service Finance 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