Home Improvement Financing

For Residential HVAC Equipment and more

Need new HVAC? No problem!

Transactions of $200 to $15,000

Whether you are upgrading your system or dealing with a sudden problem, we have solutions that allow you to do the work today and pay for it over time. Best part, the contractor gets paid directly, so less hassle for you. No matter what your credit situation is, we hope to find a solution for you. Ready to roll? Fill out a lead form or go straight to the application.

Our Contractor Network

Need a contractor?

Let our concierge find you a contractor who can offer financing. We manage a network of contractors who offer Terrace Finance as a payment option to their customers. Get the ball rolling by filling out our lead form or go ahead and apply.

Already have a contractor?

Apply through the contractor. If they are not part of our network, let us know. We will work to get them onboarded so you can keep using the contractors you trust while having the convenience of financing.

Are you a contractor?

Learn more about becoming a part of our contractor network and offering our financing.

Are you a contractor?

Transactions of $500 and Up

We’ve got you covered too. We can provide payment solutions for your customers as well as your own business.

As part of our 360° solution, Terrace helps businesses secure fair financing for the things they need to grow. This includes equipment financing and working capital for everything involved in buying, starting, renovating, or expanding a business. Fill out the commercial or working capital application to get a call-back from a commercial team member who will further assess your needs. You may need a combination of products to accomplish your goals.


Call Robin Eitel at 888-509-1370
Or Email: robine@terracefinance.com