FTL Finance


With FTL Finance, contractors close 30%–50% more jobs, and write bigger tickets — all without adding more to their to-do lists. We help thousands of contractors grow their businesses while giving homeowners the resources they need to complete much-needed HVAC equipment replacement and service work — all without breaking the bank.

We’re here to support you with fast and easy registration, simple financing options for every budget, and incredible customer service for both contractors and homeowners. We handle the nitty gritty when it comes financing — from estimates to PreScreens to approvals — so you can focus on the task at hand. We are dedicated to making financing as easy as possible for both you and the homeowner.

Ready to register with FTL Finance? Visit our website and click on the Contractor Registration link to complete the form. It’s an easy process with no contractor credit checks or bank statements required.

Set up your account before September 15, 2020, and finance two projects with us before December 31, 2020, and we’ll send you a $50 Visa gift card.

Promotion valid for new contractors registering before September 15, 2020 with two projects financed before December 31, 2020. Consumer applications subject to credit approval.


Samantha Rumpsa

Account Executive, Northeast

Samantha has been with FTL Finance for over five years and has been part of the customer service and marketing teams. She is now an account executive and enjoys traveling to different contractor events in the northeast to help contractors learn about the value of financing.



Click on the items below to open and download.

2020 Rate Sheet

Benefits Brochure

Exclusive APR Customer Promotion!


Free to the Contractor Programs. FTL offers seven programs that are no cost to our contractors that make getting started with financing easy.

PreScreen. With basic homeowner information, you can know the likelihood of a financing approval without running their credit.

Mobile App. Contractors can submit applications, generate loan contractors or contact FTL, all from wherever they are in the field.

More Approvals. You can say “yes” to more customer with our LoanMore and ApproveMore programs, designed for homeowners with challenging credit.