- Amounts: Not published. Terms: Promotional and standard installment terms; not published by amount.
- Your cost: Not published; set in the dealer agreement.
- Paid: By ACH once the work is complete and the customer authorizes it.
- Read on Service Finance's own pages, October 9, 2026.
What Service Finance Company is
Service Finance Company is a customer financing provider. It is built for home improvement contractors enrolled as dealers: HVAC, windows, doors, siding, roofing, plumbing and more.
- Service Finance Company, LLC is a subsidiary of Truist Bank, a nationally licensed sales finance company and an approved FHA Title I lender.
- It says it offers more than fifty financing solutions, including promotional and standard installment terms, to contractors enrolled in its program.
- Its programs include no interest, deferred interest and long-term installment plans.
- It is an installment loan for a fixed amount and term, not a revolving line of credit, and there is no prepayment penalty.
- The customer's first payment is due 30 days after the installation is complete.
How it works for a contractor
You apply to become a Service Finance dealer. Once enrolled, you offer its plans to customers, who apply for an installment loan for the project.
When the work is complete, the customer authorizes payment to you, and Service Finance sends the money to your account by ACH. The customer then pays Service Finance by check, ACH, money order or cashier's check; it does not take card payments.
What it costs you and your customer
The same seven columns for Service 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 |
| Service Finance | Installment loans: no interest, deferred interest and long-term plans | Not published | Promotional and standard installment terms; not published by amount | Not published; set by the plan the dealer offers | Not published; set in the dealer agreement | By ACH once the work is complete and the customer authorizes it | Apply to become a dealer |
From Service Finance Company 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 Service Finance fits
- Bigger home improvement jobs where a promotional no-interest plan helps close the sale
- Contractors who want a lender with a dealer program and a mobile dealer app
- Trades it names: HVAC, windows, doors, siding, sunrooms, flooring, water treatment, plumbing, roofing and insulation
What to ask before you sign up
- Plan rates, terms and the dealer's cost are not on its public pages; ask for the dealer fee schedule
- Deferred interest plans charge interest from the start if the balance is not paid in time; explain the plan the customer picked
- Payment comes after the work is complete, so it does not fund materials up front
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 Service Finance can sit next to it.
Sources, each read on the provider's own site on October 9, 2026: Service Finance Company, Service Finance FAQs, Service Finance loan calculator, 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.