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.
Learn MoreA merchant financing program providing roughly $1,000 to $50,000 for mid-size repairs and replacements.
Learn MoreAn unsecured personal loan for around $3,000 to $100,000 paid directly to the customer.
Learn MoreWhen 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.
Request a construction pre-approval from your Wells Fargo mortgage consultant.
Upload the signed agreement, project specs, and draw schedule.
Allow Wells Fargo to review borrower profile, project plans, and your credentials (typically about 30 to 45 days).
Have the borrower sign one set of documents for the construction and repayment phases of the loan.
Receive payments from Wells Fargo after each approved milestone inspection.
Repeat inspections and draw requests until construction is complete.
Finalize the loan into a 15-, 20-, or 30-year mortgage at the locked rate after the last inspection and certificate of occupancy.
This option is ideal for supporting mid-sized jobs where speed and simplicity matter. Think roofing replacements, HVAC swaps, or kitchen refreshes.
Complete the application process. Approval typically takes a few business days.
Include a monthly payment option in your estimate.
Have your customer complete a secure e-app on your tablet or via a text link.
Get the full project amount (minus the merchant fee) deposited into your account by Wells Fargo.
Finish the work while the homeowner repays Wells Fargo according to their selected promo plan.
For smaller-scale projects or homeowners who prefer to line up funds on their own, this personal loan keeps things simple.
Include it in your proposal or email.
Receive most decisions the same day.
Enable them to act as a cash buyer and pay your invoice.
No inspections or draw schedules are required on your end.
Note: Wells Fargo equipment finance options are also available to contractors.
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 requests 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.
Sign up for Finturf today and start hearing yes from more homeowners.
