Every Sovereign account comes with direct hand-offs to the top home-improvement lenders. Same-day prequalification, 0% promo APR options, loans up to $75K. Atlas presents the right lender based on ticket size + credit profile.
30-40%
higher close rate on jobs over $3,000 when financing is offered at the kitchen table.
< 60 seconds
to prequalify a customer. Atlas sends the link from the chatbot, voice agent, or invoice.
0 risk to you
Lenders own the loan. You get paid in full by the lender on funded loans, same as cash.
Each one is best at a different slice of customer credit and ticket size. Atlas routes to the right one automatically based on what you tell it about the job.
Same-day financing for home services
Wisetack is a financing-at-point-of-service platform built for home services. Offer your customers same-day prequalification and promotional APR on jobs from $500 to $25,000.
Best for: HVAC replacements · Plumbing repipes · Roof replacements
Higher-ticket home-improvement financing
GreenSky is one of the largest home-improvement lenders in the US. Ideal for larger tickets ($5K – $65K) with promotional deferred-interest programs.
Best for: Whole-house HVAC systems · Full roof replacement · Kitchen/bath remodels
Credit-challenged + near-prime financing
Service Finance has the broadest credit box in home-improvement lending. Great second-look partner when Wisetack or GreenSky decline.
Best for: Second-look applications · Credit-challenged buyers
Multi-lender waterfall in one app
Enhancify runs a single application through 20+ lenders in parallel. Best conversion for contractors who don't want to juggle multiple partners themselves.
Best for: Contractors who want one tool · Wide credit spectrum
Every Sovereign plan includes direct financing hand-offs and Atlas-driven lender routing. You close more jobs, your customers get an option besides maxing a credit card. No monthly add-on fee.
See pricing