Contractors partner with Wells Fargo to offer customers reliable financing solutions. Approval often takes minutes, customer experience is seamless, and the contractor receives funds after each milestone is inspected and signed off.
Wells Fargo doesn’t push a one-size-fits-all option. Instead, contractors usually choose among three programs:
Generally $150,000 and up for new-home construction or major additions.
A merchant financing program providing roughly $1,000 to $50,000 for mid-size repairs and replacements.
An unsecured personal loan for around $3,000 to $100,000 paid directly to the customer.
When a project calls for deeper credit coverage or merchant-fee flexibility, many builders layer in Finturf point-of-sale financing. Finturf’s multi-lender network can consider customers who fall outside Wells Fargo’s credit scope and still fund you on milestone completion.
If you are quoting a six-figure new build or gut-to-stud addition, you will likely choose Wells Fargo’s Construction-to-Permanent Loan.
This option is ideal for supporting mid-sized jobs where speed and simplicity matter. Think roofing replacements, HVAC swaps, or kitchen refreshes.
For smaller-scale projects or homeowners who prefer to line up funds on their own, this personal loan keeps things simple.
Wells Fargo’s programs may not reach every budget or every credit profile. If your crew sees approvals stall or dealer fees cut margins, Finturf can step in and keep the project moving.
Access a multi-lender network that reviews applications from prime to near-prime and beyond, helping more customers clear the approval bar.
Choose plans that minimize or even eliminate merchant costs, protecting your profit on tight bids.
Have customers complete a short online form to see options in minutes.
Cover talking points and best practices during onboarding, so your team can present financing with confidence.
| Scenario | Best Option |
|---|---|
| Customer has strong credit, wants a single 30-year mortgage for a new build | Wells Fargo Construction-to-Permanent |
| Customer needs quick approval for a roof or HVAC replacement up to about $50,000 | Wells Fargo Home Projects Credit Card |
| Customer prefers to secure personal funds on their own | Wells Fargo Home Improvement Loan |
| Mixed credit profiles or higher dealer fees threaten the close | Finturf Point-of-Sale Financing |
Adding Finturf alongside your Wells Fargo lineup keeps financing on the table for more homeowners. More approvals mean more signed contracts, smoother cash flow, and a stronger pipeline.