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Strategic Business Partner Solution

Our programs (featuring Same-As-Cash payment options*) are a proven selling tool that can increase sales for our strategic business partners and their authorized dealers.



Strategic business partners may include: manufacturers, distributors, franchisors, and major retailers of home improvement, remodeling, and energy saving products and services • gas and electric utilities • fuel oil companies • trade associations • and government agencies.

Why should you select an EnerBank USA payment option program to help increase your sales, retain key dealer relationships, and meet your annual sales goal?
  • EnerBank's specialization, commitment, and experience
  • Branding - you name the program (increase your brand equity)
  • Control - you determine:
    • Dealer participation based on your objective selection criteria and your dealer's commitment to employ best practices
    • The eligible improvements and which ones are brand-specific
    • The Same-As-Cash payment options* available to each dealer
    • The maximum unsecured loan amount up to $45,000
  • Quick, easy, and secure paperless application process
  • Comprehensive reporting
  • No recourse for credit defaults (the bank assumes 100% responsibility)
How can you help your dealers increase sales and grow their businesses?

Did you know that over 50% of all home improvements of $5,000 or more are financed each year - many with Same-As-Cash payment options*? When your dealers' sales reps mention Same-As-Cash* as a payment option to all their prospective customers, they can significantly increase sales by:

  • Increasing sales close rates (by selling more projects and controlling the sale)
  • Increasing average job size (by selling more extensive projects or higher quality materials)
  • Guaranteeing their customers have a way to pay for their projects
  • Reducing sales appointment and job cancellations
  • Improving customer satisfaction (with high loan approval rates)

Plus, when your dealers include Same-As-Cash payment options* in their advertising, they can:

  • Increase the number of sales leads
  • Decrease their cost per lead
Click here to read more.



For more information on how to set-up a program for your dealer network, please call us toll-free or send an email to us today.

Contact Us

Phone: 888-721-2100
  • For potential strategic business partners
Phone: 800-262-1655 option 1
  • For potential independent contractors
Phone: 888-390-1220
  • Option 1: Customer Service for borrowers
  • Option 2: Contractor Support for participating dealers

  • For potential strategic business partners
Bank Headquarters Address:
1245 Brickyard Road, Suite 600
Salt Lake City, UT 84106


  Wow! Same-As-Cash payment options* can really increase your sales today.
*Borrowers approved for Same-As-Cash loans will pay no interest during the Same-As-Cash period if they re-pay the total amount borrowed on or before the Same-As-Cash date specified in the Note and Disclosure Statement. Borrowers may also qualify for monthly loan payment deferrals during the Same-As-Cash period.
Availability of specific payment options is based on your company's qualifications.
EnerBank USA is a Member FDIC.
EnerBank USA is a wholly owned subsidiary of CMS Energy Corp. (NYSE: CMS)