More than 15 years experience in the home services industry. Get Paid. In Full and Upfront. Wholesale rates and fixed cost options.

Financing &


BillingHome Services

One application for all of your customers, regardless of credit. Get paid upfront with our lending platform featuring instant credit decisions, aggresive credit policies and billing solutions designed for contractors.

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Flexible Monthly Payments

Our platform incorporates multiple lenders resulting in more offers to your customers and more flexibility.

Loan Amount $5,000 $10,000 $15,000 $25,000
Mo. Payment (As low as) $152 $235 $352 $483
Term 3 Years 4 Years 4 Years 5 Years
Enrolling in the ePay Finance consumer financing platform gives your customers access to more than 20 lenders with a single pre-application process. We blanket the borrower pool with offers for those with excellent credit expecting low, single-digit interest rates to those with sub-prime credit that are typically not desirable for most lenders.

Many applicants receive multiple offers so they can choose the offer with the terms, interest rate and payment that best fits their budget. Initial offers are made without affecting credit scores.


Platform Benefits

Platform Benefits

  • No Business or Job Description Restrictions
    Traditional contractor lending programs typically have minimum "time in business" and "annual revenue" requirements to participate in their programs and individual jobs must be approved, often times leading to uncovered projects and partial funding. Most lenders typically only fund once the services have been completed, leaving you out-of-pocket for materials and labor. Because our program is direct-to-borrower, you are able to collect your fees upfront regardless of the project.

  • No Recourse To Your Business
    Home owners are funded directly and participating contractors are notified upon funding to collect their fees. Not only is their no recourse to your office if the borrower defaults on the loan but offices are only billed discount rates on collected fees. If a home owner decides to use the funds for another purpose, there is no cost to you.

  • Custom Landing Page & Loan Application
    Every participating contractor receives their own borrower application link and custom landing page. Contractors are able to have home owners complete the application, on the fly, from any web-enabled device; such as a laptop, tablet or smart phone. Application links can be emailed or linked to from your website.

  • Fast & Flexible Offers
    Our marketplace lending platform features immediate credit decisions and "check-your-rate" functionality which allows your customer to check approval terms without affecting your customer's credit score. Many applicants will receive multiple offers from more than one lender providing an opportunity to the customer to choose the offer that best suits their budget.

  • Get Paid Upfront
    With traditional lending options the merchant is typically not funded until product is delivered or services are completed. This can be a problem in situations where completion of delivery of product or service is not immediate or when required materials must be purchased ahead of time. With our platform, merchants are notified upon funding and are able to collect a partial down payment or in full upon notification.

  • Smart Invoicing for Faster Payments
    Get paid faster with electronic invoicing. Give your customers a simple, secure and efficient way to pay you right in their inbox. Electronic invoicing lets you send a branded payment link to your customers giving them the ability to use a credit card or electronic check in a secure environment, right from their computer, smart phone or tablet.

  • Recurring Billing & Future Payments
    Need to setup a short term payment plan for a customer? Do you have customers you bill on a regular basis for long term jobs or service contracts? Recurring billing lets you quickly and easily setup future transactions. Once the payment information has been captured you simply setup the number of payments, the time-frame between each payment and how much you want to charge and your customers credit cards or checking accounts will be billed automatically. The system even notifies you of cards on file that are soon to expire and can make multiple attempts to collect on declined transactions.

Saving With ACH Processing.

Cut your processing bill in half or more with our wholesale payment processing rates.

Sale Amount $100 $500 $1,000 $5,000
Credit CardIndustry Avg. Cost $2.50 $12.50 $25.00 $125.00
Debit CardIndustry Avg. Cost $1.25 $5.25 $10.25 $50.25
Electronic CheckActual Cost $0.50 $0.50 $0.50 $0.50

We offer transparent, cost plus pricing to optimize savings. The card processors establish the interchange rates for all credit and debit card transactions. We simply pass through those costs to you with a small discount rate and transaction fee over those interchange rates. Our rates start as low as 0.05% and $0.05 over cost and we provide a free cost analysis to show you how much you can save.

We also provide alternative, fixed-cost solutions like ACH processing so you can dramatically increase your profitability while giving your customers another payment option.


Flexibility

Platform Benefits

We understand that the needs of our customers vary on a case-by-case basis. Our dedicated consultants take the time to explain the benefits and costs of every aspect and option of our product offerings. We give you the information needed to make the right decision regarding implementation.

Are you happy with your current billing solution and just want to sign up for our consumer financing platform? No problem! Do you like your current credit card processor but want to implement our payment gateway and eCheck services? We can do that.

Our cutting-edge solutions are robust and flexible. We are confident we can help your business reduce time-to-cash, lower transaction costs and enable new revenue.

  • Consumer Financing Solutions
  • eCheck and ACH Fixed Cost Processing
  • Wholesale CC Transaction Rates
  • Integrated Billing & Payment Gateway w/ Smart Invoicing, Recurring Billing & Customer Vault Options
  • Stand-alone, Wireless & Tablet-Based Point-of-Sale
We are here to meet your needs as they pertain to consumer financing and accounts receivable solutions.









What our customers are saying...

  • "With ePay the approvals popped up exponentially compared to what we had before. We wouldn't have these customers had they not had this opportunity. Our clients really like it."Tom L. - Los Angeles, California

How Our Financing Platform Works...

1. Home owner submits one simple, electronic application

2. Credit decision is provided in seconds.

3. Loan offers are extended to the customer.

4. ePay follows up with the borrower to go over the offers and answer any questions.

5. Client electronically signs the loan agreement they choose and submits stipulations.

6. The client is funded 3 to 5 days after loan completion.

7. The firm is notified of funding and collects funds from the client.

8. ePay collects the 4.99% discount from the firm 10 days after funding.
Discount is only applied towards collected invoiced amount.

9. ePay also offers optional billing and collection solutions to help you work smarter and reduce costs.

Making An Impact on the Industry!

ePay Management has become the premiere lending platform and merchant service provider for the home services industry. We have been a preferred vendor for Clockwork Home Services for over a decade and support all areas of the industry including; general contractors, HVAC, plumbing, electrical, solar, water filtration, roofing, flooring, landscaping and disaster relief. Contact us for more information on how we can help your business.

Service Contract Billing Savings

Let us show you how to implement fixed-cost, electronic check payment processing options for your recurring billing, service contract customers. Stop paying credit card discount rates on these transactions and instead pay a small flat-rate fee. Our platform makes it easy, includes smart invoicing for faster payments and will boost your bottom line.

A $100 credit card transaction costs an average of $2.50 to process. Implementing ACH billing will lower that cost to just $0.50. How many service contract transactions are you processing every month? Your business will save $100's, maybe $1000's of dollars in processing costs by making the switch.