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. Questions were easy to answer and response time was quick.”
Barbara Holmes
“Quick response, courteous and very helpful. Got immediate feedback about my lender options.”
Dunn Mcdee
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.
Our Model
Lenders pay us when loans fund. You pay nothing. Ever.
George Pu
Founder
I spent 6 years building lender relationships and compliance infrastructure. 346K+ customers have used it. The old model charged $1,500/year for white-glove support — but most contractors just want it to work. So now it's free. SMBs shouldn't pay for something that helps them compete.
This Is For You If:
Not For You If:
Try Hearth if you need white-glove service.
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.
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.