- Amounts: Up to $100,000. Terms: Up to 20 years.
- Your cost: $0 dealer fees; lenders pay Acorn when a loan is made.
- Paid: By the customer from the loan, usually 1 to 2 business days after approval.
- Read on Acorn Finance's own pages, October 9, 2026.
What Acorn Finance is
Acorn Finance is a customer financing provider. It is built for licensed contractors in home improvement, remodeling, HVAC, roofing, landscaping, solar and more.
- Acorn Finance is free for contractors, with no setup cost and no monthly fee; its lending partners pay it when loans are made.
- Customers compare loan offers from several lenders side by side, for up to $100,000 and up to 20 years.
- Prequalification takes under a minute with no impact on the customer's credit score.
- Its own example, with rates as of 6/14/2026: $10,000 at 8.94% with no fees, paid back in 84 payments of $161.
- Contractors are usually paid by the customer from the loan within 1 to 2 business days after the project is approved.
How it works for a contractor
You join for free and get your own financing link to share by text, email or on the estimate. The customer prequalifies and compares offers from Acorn's lending partners.
The loan is the customer's own personal loan. Once it funds, the customer pays you from the proceeds, usually within 1 to 2 business days after the project is approved.
What it costs you and your customer
The same seven columns for Acorn Finance and for financing on Koira's pay page, from each one's own pages.
| How the customer pays | Amounts | Terms | Customer APR | Your cost per job | When you are paid | Setup | |
|---|---|---|---|---|---|---|---|
| Koira pay page | Affirm or Klarna, chosen by the customer on Koira's pay page | Invoices from $50 to $30,000 | Set by Affirm or Klarna | Set by Affirm or Klarna; the customer sees it when they apply | Stripe's rate (Affirm 6% + 30¢, Klarna 5.99% + 30¢) plus Koira's 2%, 1% or 0.5% by plan | Into your own Stripe account, like a card payment | Nothing to apply for; it is part of the pay page on every plan |
| Acorn Finance | Personal loans from a network of lenders, compared side by side by the customer | Up to $100,000 | Up to 20 years | Set by each lender; Acorn's example is 8.94% on $10,000 | $0 dealer fees; lenders pay Acorn when a loan is made | By the customer from the loan, usually 1 to 2 business days after approval | Free to join; licensed contractors in good standing |
From Acorn Finance for contractors and Stripe pricing for buy now, pay later, each read on its own site on October 9, 2026. "Not published" means the provider does not list it on its public pages, so ask. Rates and terms change and depend on the customer's credit.
Who Acorn Finance fits
- Contractors who do not want to pay a dealer fee
- Bigger projects that need long terms
- Customers with good credit who want to compare lenders
What to ask before you sign up
- The customer pays you from the loan, so you are collecting from the customer, not from a lender
- Rates depend on each lender and the customer's credit; the best rates go to excellent credit
- Some lenders charge an origination fee, which raises the APR
Financing on Koira's pay page
Koira's pay page offers Affirm or Klarna on invoices from $50 to $30,000, on every plan. The customer chooses to pay over time on the same page where they would pay by card, applies on their own phone, and the lender decides approval and terms. You never run credit or fill in a lender form.
What you pay is Stripe's published rate for the method the customer picks, Affirm 6% + 30¢ or Klarna 5.99% + 30¢, plus Koira's share of 2% on Office, 1% on Grow or 0.5% on Front Office. For jobs above $30,000, or if you want a dedicated home improvement lender, a provider like Acorn Finance can sit next to it.
Sources, each read on the provider's own site on October 9, 2026: Acorn Finance for contractors, Stripe pricing for buy now, pay later, Stripe pricing, and Koira pricing. We read each page's own text; we did not use summaries or third-party lists.