MULTI-TIER FINANCING FOR EVERY CREDIT PROFILE
Approve more customers and protect every ticket with a multi-lender waterfall that finds the right loan for prime, near-prime, and subprime homeowners.
WHY CREDITPATH
Lender Waterfall
One application cascades through every tier — no manual re-submission, no awkward decline.
Soft Pulls First
Customers see their real offers without a credit hit, so the conversation stays comfortable.
Higher Approval Rates
Most contractors close 30-50% more tickets by giving every credit profile a path to yes.
Funded Fast
Money in your account within 24-48 hours of completion — no chasing, no paperwork purgatory.
ONE APPLICATION, EVERY CREDIT TIER
Single-lender financing leaves money on the table. Prime customers get approved, everyone else walks. Your reps spend the next week chasing co-signers, asking for bigger deposits, or watching jobs evaporate at the kitchen table.
CreditPath cascades one soft-pull application through prime, near-prime, and subprime lenders automatically. The customer sees real offers — payment, term, and rate — without ever taking a credit hit. No re-submissions, no awkward declines, no rep playing finance broker.
Contractors running the waterfall consistently close 30-50% more tickets and protect their average ticket size on the way up. Every customer gets a path to yes.
"We stopped declining customers and started funding them. Same leads, completely different revenue."
The Improvifi Method
How It Works
See The Platform In Action
Book a 15-minute walkthrough and watch how Improvifi turns financing into a single tap at the kitchen table.
Industries we serve
Hover or tap any card to flip it and see how Improvifi powers that trade.
HEAR FROM OUR CLIENTS
Over 250+ 5-Star Reviews
"Improvifi completely changed how we pitch big jobs. Our average ticket size is up 40% because customers can actually afford the upgrades now."
Marcus Thorne
Owner, Solis Solar • Austin, TX
"The approval rates are insane. Deals that used to get declined are going through, and the support team actually picks up the phone when we need help closing."
Sarah Jenkins
VP Sales, WindForce HVAC • Denver, CO
"We were using three different lenders before. Consolidating into Improvifi made our sales process seamless. It's the best tool in our tech stack."
David Chen
Founder, Reliant Roofing • Seattle, WA
"Funded a $32k kitchen at the table on a Sunday afternoon. My closer almost fell out of his chair. Game changer for higher-ticket remodels."
Priya Natarajan
GM, Hearth & Home Renovations • Chicago, IL
"Soft pulls in the field meant my techs stopped losing deals at the truck. We added an extra 22 service plans last month alone."
Tyler Brooks
Service Manager, BlueTrane HVAC • Phoenix, AZ
"Storm chasers like us live and die by speed. Improvifi gets us paid before the tarps come off. No more chasing checks for 3 weeks."
Jacob Reyes
Owner, Stormline Restoration • Tampa, FL
"Joint applicants and stacked offers turned a hesitant homeowner into a $58k whole-home remodel. Two clicks. That was it."
Emily Carter
Sales Director, NorthBuild Co. • Minneapolis, MN
"I've trained reps on three other lender platforms. None of them come close. New hires are quoting financing in under a week."
Devon Mitchell
Training Lead, Apex Exteriors • Charlotte, NC
"Our close rate jumped from 41% to 67% the quarter we rolled out Improvifi. The math speaks for itself — we're never going back."
Alicia Romero
Owner, Romero Window & Door • San Diego, CA
"The contractor app is the cleanest field tool I've used. Reps love it, homeowners trust it, and Fini hasn't dropped a single deal."
Kenji Watanabe
COO, Pinewood Pools • Sacramento, CA
"I knew as a general contractor and a small company, we needed to be able to offer better payment options to our customers than 'You can just write us a check.' Not everyone can do that, or even wants to do that. I have used a couple different companies in the past for financing projects, but it just didn't work out for our customers for one reason or another. I met Ty at a TopRep event and we discussed how Improvifi works and all that they have to offer. I decided to give Improvifi a shot and have been so glad that I did. The entire team that we have worked with has been amazing. From Jennifer through the onboarding process to Valerie taking care of our training to Chris spearheading the company. If you are looking for a great company to partner with for financing, I certainly recommend Improvifi!"
Brett Fagan
General Contractor • Verified Google Review
"Improvifi completely changed how we pitch big jobs. Our average ticket size is up 40% because customers can actually afford the upgrades now."
Marcus Thorne
Owner, Solis Solar • Austin, TX
"The approval rates are insane. Deals that used to get declined are going through, and the support team actually picks up the phone when we need help closing."
Sarah Jenkins
VP Sales, WindForce HVAC • Denver, CO
"We were using three different lenders before. Consolidating into Improvifi made our sales process seamless. It's the best tool in our tech stack."
David Chen
Founder, Reliant Roofing • Seattle, WA
"Funded a $32k kitchen at the table on a Sunday afternoon. My closer almost fell out of his chair. Game changer for higher-ticket remodels."
Priya Natarajan
GM, Hearth & Home Renovations • Chicago, IL
"Soft pulls in the field meant my techs stopped losing deals at the truck. We added an extra 22 service plans last month alone."
Tyler Brooks
Service Manager, BlueTrane HVAC • Phoenix, AZ
"Storm chasers like us live and die by speed. Improvifi gets us paid before the tarps come off. No more chasing checks for 3 weeks."
Jacob Reyes
Owner, Stormline Restoration • Tampa, FL
"Joint applicants and stacked offers turned a hesitant homeowner into a $58k whole-home remodel. Two clicks. That was it."
Emily Carter
Sales Director, NorthBuild Co. • Minneapolis, MN
"I've trained reps on three other lender platforms. None of them come close. New hires are quoting financing in under a week."
Devon Mitchell
Training Lead, Apex Exteriors • Charlotte, NC
"Our close rate jumped from 41% to 67% the quarter we rolled out Improvifi. The math speaks for itself — we're never going back."
Alicia Romero
Owner, Romero Window & Door • San Diego, CA
"The contractor app is the cleanest field tool I've used. Reps love it, homeowners trust it, and Fini hasn't dropped a single deal."
Kenji Watanabe
COO, Pinewood Pools • Sacramento, CA
"I knew as a general contractor and a small company, we needed to be able to offer better payment options to our customers than 'You can just write us a check.' Not everyone can do that, or even wants to do that. I have used a couple different companies in the past for financing projects, but it just didn't work out for our customers for one reason or another. I met Ty at a TopRep event and we discussed how Improvifi works and all that they have to offer. I decided to give Improvifi a shot and have been so glad that I did. The entire team that we have worked with has been amazing. From Jennifer through the onboarding process to Valerie taking care of our training to Chris spearheading the company. If you are looking for a great company to partner with for financing, I certainly recommend Improvifi!"
Brett Fagan
General Contractor • Verified Google Review
CREDITPATH FAQs
Straight answers from the team that runs CreditPath every day.
ASK ANYTHING.
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READYTOSTOPLOSINGDEALS TO CREDIT?
Run every applicant through the CreditPath waterfall and watch your close rate climb.