Helping Contractors Close More Projects!

Helping Contractors Close More Projects!

Home Improvement Financing Made Accessible

Our contractor partners rely on Cartera to close sales that most other contractors can’t.

See How It Works

Are you a Home Owner Looking for Financing. Click Here.

What We Do

Right from Your Phone or Computer

We provide financing to homeowners who you never thought you could help by providing digital and paperless solutions combined with human assistance.

Individuals with

FICOs as low as 0

Individuals with

ITIN or no SSN

Apply Now

The Cartera Advantage For Contractors

Right from Your Phone or Computer

Financing for your customer.
A signed job for you.

Cartera can help your customers explore financing options even when they’ve been declined elsewhere or don’t fit traditional lending criteria.

With a fast, guided process, decisions don’t drag on - helping homeowners move forward and helping you keep your projects on track.

See How It Works

More Contractors are Joining Cartera Every Month

What are you waiting for? Join today, get your customers the funding they need, and, boost your close rate.

Backed by major
league investors

We’ve raised $13.2 million in seed funds, led
by Sequoia India & Ribbit Capital.

An Application Process as Simple as 1,2,3

Apply Today Right From Your Phone Or Computer

Get Started Today

For credit-challenged individuals

Over 85% acceptance rate

Easy-to-Use System

Upload your application effortlessly

Fully bilingual team

English and Spanish

Weak credit, or no credit history

individuals with no Social Security number

Flexible Financing Solutions

ITIN, FICOs 0 to 650 Considered

Interest rates and fees

Competitive Interest rates and Fees

All Digital

Paperless process

Interest rates and fees

Competitive Interest rates and Fees

An Application Process as Simple as 1,2,3

Apply Today Right From Your Phone Or Computer

Get Started Today

1.

Become Our Contractor Partner

Just fill the ‘Contractor Partner’ application. it is a no-obligation application. We will get in touch with you and complete the set-up.

2.

Submit Client Applications

With our easy-to-use portal, your team can submit applications online in a matter of seconds. No matter where they are.

3.

Get Immediate Approvals and Quick Funding

We process completed applications and give you an instant, automatic pre-approval. You get funded the next day.

Let's Get You Started

Choose Your Path - Contractor or Homeowner

Contractor

Discover how easy it is to increase your close rate and cash flow when you offer financing to homeowners who may not qualify through traditional lenders.

Become Our Contractor Partner

Homeowner

Planning a home improvement project? Cartera helps you explore financing options through a simple, guided application. All Credit Profiles Welcome To Apply - Including Limited Credit History.

Get Started & See Your Options

What Our Contractor Partners Say

Join The Growing Number Of Contractors Partnering With Cartera

“I challenged them to prove their promise and was pleasantly surprised! Thanks to Cartera, I increased my sales by more than 17% in Dallas, Houston, and San Antonio. Now I don’t know what I would do without their financing programs."
~ Air Rey
"As a small local HVAC dealer in the DFW area, they believed in us and have helped us grow from a very early stage. Few finance companies paid attention to us, and only Cartera catered to our needs and size. They eventually became our most important business partner."
~ rotex ac & heating
"Cartera understands that everyone deserves access to fair and affordable financial opportunities, regardless of their credit score, and they deliver on this promise exceptionally well. Their commitment to inclusivity, affordable financing options, and exceptional customer service make them stand out from the crowd. They helped me close on sales that would have been impossible before discovering them."
~ trilogy ac
"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."
~ mondragon mechanical
“I challenged them to prove their promise and was pleasantly surprised! Thanks to Cartera, I increased my sales by more than 17% in Dallas, Houston, and San Antonio. Now I don’t know what I would do without their financing programs."
~ Air Rey
"As a small local HVAC dealer in the DFW area, they believed in us and have helped us grow from a very early stage. Few finance companies paid attention to us, and only Cartera catered to our needs and size. They eventually became our most important business partner."
~ rotex ac & heating
"Cartera understands that everyone deserves access to fair and affordable financial opportunities, regardless of their credit score, and they deliver on this promise exceptionally well. Their commitment to inclusivity, affordable financing options, and exceptional customer service make them stand out from the crowd. They helped me close on sales that would have been impossible before discovering them."
~ trilogy ac
"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."
~ mondragon mechanical
“I challenged them to prove their promise and was pleasantly surprised! Thanks to Cartera, I increased my sales by more than 17% in Dallas, Houston, and San Antonio. Now I don’t know what I would do without their financing programs."
~ Air Rey
"As a small local HVAC dealer in the DFW area, they believed in us and have helped us grow from a very early stage. Few finance companies paid attention to us, and only Cartera catered to our needs and size. They eventually became our most important business partner."
~ rotex ac & heating
"Cartera understands that everyone deserves access to fair and affordable financial opportunities, regardless of their credit score, and they deliver on this promise exceptionally well. Their commitment to inclusivity, affordable financing options, and exceptional customer service make them stand out from the crowd. They helped me close on sales that would have been impossible before discovering them."
~ trilogy ac
"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."
~ mondragon mechanical
“I challenged them to prove their promise and was pleasantly surprised! Thanks to Cartera, I increased my sales by more than 17% in Dallas, Houston, and San Antonio. Now I don’t know what I would do without their financing programs."
~ Air Rey
"As a small local HVAC dealer in the DFW area, they believed in us and have helped us grow from a very early stage. Few finance companies paid attention to us, and only Cartera catered to our needs and size. They eventually became our most important business partner."
~ rotex ac & heating
"Cartera understands that everyone deserves access to fair and affordable financial opportunities, regardless of their credit score, and they deliver on this promise exceptionally well. Their commitment to inclusivity, affordable financing options, and exceptional customer service make them stand out from the crowd. They helped me close on sales that would have been impossible before discovering them."
~ trilogy ac
"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."
~ mondragon mechanical
“I challenged them to prove their promise and was pleasantly surprised! Thanks to Cartera, I increased my sales by more than 17% in Dallas, Houston, and San Antonio. Now I don’t know what I would do without their financing programs."
~ Air Rey
"As a small local HVAC dealer in the DFW area, they believed in us and have helped us grow from a very early stage. Few finance companies paid attention to us, and only Cartera catered to our needs and size. They eventually became our most important business partner."
~ rotex ac & heating
"Cartera understands that everyone deserves access to fair and affordable financial opportunities, regardless of their credit score, and they deliver on this promise exceptionally well. Their commitment to inclusivity, affordable financing options, and exceptional customer service make them stand out from the crowd. They helped me close on sales that would have been impossible before discovering them."
~ trilogy ac
"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."
~ mondragon mechanical
“I challenged them to prove their promise and was pleasantly surprised! Thanks to Cartera, I increased my sales by more than 17% in Dallas, Houston, and San Antonio. Now I don’t know what I would do without their financing programs."
~ Air Rey
"As a small local HVAC dealer in the DFW area, they believed in us and have helped us grow from a very early stage. Few finance companies paid attention to us, and only Cartera catered to our needs and size. They eventually became our most important business partner."
~ rotex ac & heating
"Cartera understands that everyone deserves access to fair and affordable financial opportunities, regardless of their credit score, and they deliver on this promise exceptionally well. Their commitment to inclusivity, affordable financing options, and exceptional customer service make them stand out from the crowd. They helped me close on sales that would have been impossible before discovering them."
~ trilogy ac
"Cartera's financing platform has become an invaluable tool for my business. By partnering with them, I get to offer my clients flexible and accessible financing options that cater to their unique financial situations. This has opened doors for customers who would have otherwise struggled to secure financing and has helped them move forward with their projects. The ease and affordability of Cartera's financing have definitely become a selling point, helping me close deals that would have otherwise fallen through."
~ mondragon mechanical

We Understand - When Your Customer Can’t Get Financing, You Lose The Revenue.

You earn the lead, deliver the estimate, and the homeowner is ready - until financing becomes the blocker. Cartera helps your customers explore financing options through a fast, guided application, so projects can move forward and you don’t lose the job at the finish line.

Become Our Contractor Partner

Get started today!

Saving time and getting faster approvals is as easy as 1, 2, 3 with our online application portal.

01

Fill 'Partner' Form

Just fill the ‘Contractor Partner’ application. it is a no-obligation application. We will get in touch with you and complete the set-up.

02

Submit Client Applications

With our easy-to-use portal, your team can submit applications online in a matter of seconds. No matter where they are.

03

Get Quick Approvals

We process completed applications and give you an instant, automatic pre-approval.

And, That's it

You get funded the next day once your clients submit the loan documents online.

* subject to approval

Become A Contractor Partner Today

How do I become a dealer with Cartera?

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Are there any costs to becoming a dealer?

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What is a dealer discount?

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How do I become a dealer with Cartera?

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Are there any costs to becoming a dealer?

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What is a dealer discount?

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How do I become a dealer with Cartera?

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Are there any costs to becoming a dealer?

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What is a dealer discount?

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How do I become a dealer with Cartera?

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Are there any costs to becoming a dealer?

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What is a dealer discount?

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FAQ

How it works

How do I become a dealer with Cartera?

All you need is to complete the dealer application, provide us with the information and items on the dealer checklist, and sign the dealer agreement that we provide. From there we do a quick training on how to use our Credit Portal and you’re all set to start uploading applications! Click here to get started.

Are there any costs to becoming a dealer?

The sign-up process for becoming a dealer with Cartera is absolutely free. The only cost you may incur, if any, is a dealer discount on a per-loan basis depending on the underlying customer risk.

What is a dealer discount?

A dealer discount is the risk-based fee Cartera charges to its dealers on some loans. While customers with good credit will get approved without a dealer discount, customers with weaker credit will be charged a small dealer discount fee, allowing you to close sales that you wouldn’t normally close. This is a cost to the dealer and will be “discounted” at the time of funding.

Do you take FICO scores into consideration when approving?

A dealer discount is the risk-based fee Cartera While Cartera pulls credit on applicants in order to have a general idea of their credit, there is no specific credit score we look for. Our credit decisions are more comprehensive, so we place importance on a combination of indicators found in our proprietary scoring algorithm.charges to its dealers on some loans. While customers with good credit will get approved without a dealer discount, customers with weaker credit will be charged a small dealer discount fee, allowing you to close sales that you wouldn’t normally close. This is a cost to the dealer and will be “discounted” at the time of funding.

What information do you require from customers to get started?

Depending on the risk tier the applicant is placed into (we offer up to 4 tiers), customers are required to provide a completed and signed credit application, a valid government-issued ID (we also accept passport or Matrícula Consular). No SSN is necessary.

What do you require in order to fund the dealer?

We require signed digital copies of all the loan documents mentioned in the dealer agreement uploaded via the Credit Portal as well as a successful verification phone call between our team and the customer. Once these are accounted for, you can expect payment the following business day!