Financing Infrastructure
That Just Works
Connect your customers to 13+ lending partners. We handle the paperwork, compliance, and integrations — you close more deals.
Built over 6 years. Trusted by 346K+ customers. Now free.
We're the Facilitator, Not the Lender
SimpleDirect connects contractors to lending partners. We don't lend money — we make lending easy by handling the infrastructure.
API Integrations
Our APIs connect you to 13+ lending partners. One integration, multiple lenders.
Lender Relationships
We've built relationships over 6 years so you don't have to. Just plug in and go.
Paperwork & Applications
We handle the application forms, disclosure documents, and all the tedious paperwork.
Compliance & Reviews
Regulatory compliance, disclosure requirements, lending reviews — all handled.
You focus on your customers. We handle the financing infrastructure.
Built for Home Improvement Contractors
Used by contractors across every trade
“The process was very easy to go through. The questions were easy to answer and the response time was quick. I got my loan very quickly.”
Barbara Holmes
“Quick response, courteous and very helpful. Applied for loan and got immediate feedback via text and email about my lender options.”
Dunn Mcdee
“I appreciated the simplicity of the application and expedience of receiving the funds.”
Rickie White
“Quick and fast loan process.”
Shahbaz Virk
How It Works
Simple process. No complexity. No sales calls.
Create Your Account
Sign up free. Get your personalized financing page in minutes.
Share With Customers
Send your financing link or embed it on your website.
Customers Browse Options
They see offers from 13+ lenders and pick what works for them.
You Get Paid
Lender funds the project. You close the deal. Done.
How We Make Money
We believe in transparency. Here's exactly how this works financially — and what you should not expect from us.
How We Make Money
That's it. When your customer gets approved and funded, the lender pays us a referral fee. You pay nothing. Ever.
What We Don't Offer
We don't charge for support because we don't offer it. This is self-serve infrastructure for self-sufficient contractors.
This model lets us offer the infrastructure for free. No hidden fees, no surprise charges, no “premium tiers” with basic features locked away.
Why I Made This Free
George Pu
Founder, SimpleDirect
I love this idea because it gives small business owners more power.
For years, contractors had to choose: pay expensive fees to offer financing, or lose deals to competitors who could. That's not fair.
I spent 6 years building relationships with lenders, handling compliance, building the infrastructure. It works. 346K+ customers have used it.
The old pricing model ($1,500/year) made sense when we offered white-glove support. But that's not what most contractors need. They just need it to work.
Free financing infrastructure is exactly where this should be. SMBs shouldn't have to pay for something that helps them compete.
Explore & Get Started
Everything you need to start offering financing to your customers.
Dashboard
Access your financing portal
How It Works
Step-by-step walkthrough
0% APR Credit Cards
Consumer credit card options
Help Center
Self-serve documentation
See exactly what your customers will see
Get the Mobile App
Manage financing on the go. Available for iOS and Android.
This Is Not For You If:
Go to Hearth. They raised $50M for that.
This Is For You If:
If you're self-sufficient and just want the infrastructure to work, welcome.
Frequently Asked Questions
Everything you need to know about SimpleDirect Financing.
Same-as-cash personal loans. Lenders deposit funds directly into your customer's bank account via ACH. Your customer then pays you directly — just like a cash sale.
Still have questions?
Visit Help CenterReady to Offer Financing?
Free. No credit card. No contracts. No sales calls.
Create your account and start offering financing in minutes.