Payment solutions
for ALL of your customers

More ways to pay over time for all of your customers,
regardless of credit, equals more sales for you!

Programs for HVAC Contractors

Challenged-Credit Customer Financing

Terrace Finance has partnered with Okinus to offer a fast and friendly lease-purchase program provider that offers instant approvals of up to $12,000 with no credit needed. They provide much-needed options to consumers who really need it. Our approvals help good people keep their AC running, when they need it – with no embarrassment of rejection or long waits for approvals.

The customer fills out a one-page online application in the store or from the comfort of their home using our website. Once submitted, the customer will be notified of their purchasing power in less than 10 seconds. Once the customer has selected the items, they want you simply input the items into our retailer portal and create the lease agreement.

There are no monthly fees to our retailer partners. We help you increase your sales and profitability by selling more merchandise. The only charge you may incur is when a sale occurs! If there is a charge it is a small discount off the total invoice. The amount of the discount will depend upon the lease-purchase program offered to your customers (e.g. early payment option).

Contractor Sign up

Training is an important part of the support that Okinus provides to our Retailer Network. We are always available to get new sales teams up to speed, provide a crash course for new stores or simply deliver a refresher on how to use the Retailer Portal. Email an Account Manager with your questions today.

  • Learn how to submit applications and documents online or with a scanner.
  • Follow that application through the process.
  • Determine how long it will take to be processed.
  • Learn to use Docusign or print an approval.
  • Get an update on payment sent from Okinus.

Sign up now to offer our financing to your customers.

Commercial Financing for Your Business

Terrace Finance through its lending partners also offers a fast and friendly lease-purchase program provider that offers competitive financing for tools and equipment you need for your business. Also – work trucks and trailers.

Working Capital and Inventory Finance have been a life saver for many of our customers during this pandemic.

Equipment Financing & Leasing

Transactions of $500-$250,000
Finance tools, equipment, trucks and trailers.

Working Capital/Inventory Program

Loans of $30,000-$350,000
Low-cost capital for many operating costs, inventory & expansion


Bob Zinn: 954-522-3773
John Papadopoulos: 954-636-8571