Effective October 1, 2021, EnerBank USA ("EnerBank") merged with and into Regions Bank. Learn more here

Home Improvement Lending You Can Count On

At EnerBank, our focus is on delivering the best home improvement lending products and services. We're a reliable home improvement lender, standing strong and consistently growing — always striving to create an exceptional customer experience. We truly know what it takes to create an exceptional experience in home improvement lending for the consumer, contractor, and industry partner.

Our focus on the home improvement industry and proven track record of helping contractors grow their businesses means you can count on us to deliver quality loan products with a top-notch customer experience. We balance our depth of experience with our constant push to innovate.

Trust Us for Home Improvement Lending

Stability. Home improvement lending is all we do. We've funded about a million projects to the tune of over $12 billion since 2002, providing specialized support to home improvement professionals and homeowners.

People. We know that people are our greatest asset, so we pride ourselves on taking care of our customers. Whether it's a single point of contact for home improvement contractors, or training all our U.S.-based customer service teams to be helpful and knowledgeable, we offer the very best experience in home improvement financing.

Experience. We live and breathe home improvement lending, so we ensure your customers not only have an exceptional customer experience, we make sure they have a smooth transaction that makes you look like a champ. When your customers are happy, they'll send more business your way. It's a win for everybody.

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Refer A Contractor

Refer a contractor to EnerBank's Express Loan Program and receive a $300 Amazon.com Gift Card!

How Home Improvement Lending with EnerBank Works

It's simple: as a contractor, you meet with your client to provide a bid for a home improvement project, and while you're in the home, you can use our quick and easy paperless application process to help homeowners get approved in minutes for a specialized home improvement loan to pay for the project. Your client then authorizes funding requests by phone or text, and we deposit the funds directly into your account, usually within 24 hours. Home improvement financing powered by EnerBank means higher close rates, bigger jobs, and a better customer experience.

Get the Edge Over Competitors

When you offer home improvement lending powered by EnerBank to your customers, you make it easier for your clients to say “yes” to getting the home of their dreams without having to secure their own sources of financing. Contractor-offered financing backed by a leader in customer service means you can rest easy knowing your lending provider is taking just as good care of your customers as you do.

Contractors: Click Here to get started offering payment options

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Learn More About Our Loan Programs

Whether you are an organization with a network of contractors, or an independent contractor, we have a loan program for you.