Join more than 10,000 Home Improvement Contractors & Medical Practices that have boosted their cash flow, sales & profits by adding this game changing customer financing program.
Consumers Save Time, Money, Headaches and Missed Opportunities By Leveraging The Speed and Power Of AI
Perfect solution for businesses that currently have no customer financing options in place and want to open the door to more sales and profits.
Complements any existing financing programs that have credit limitations or businesses that want a 2nd chance option for their customer credit declines.
Join over 10,000 Home Improvement Contractors & Medical Practices that have boosted their cash flow, sales & profits
by adding the HelloRates customer financing program.
* There's no need to "switch" from your current financing provider
Unique Loan Products
Means No Harm to Credit
Loan Applications
Credit Approvals
Loan Amounts
Promotional Cards
Customer Direct Funding
No Risk & No Recourse
Get access to four game changing customer financing programs at one affordable flat rate price. Tailor your business & customer needs by utilizing all of the programs or just the ones that best serve your business needs.
Loan Programs For Good & Excellent Credit Scores: 650 FICO & Above
50+ lenders integrated into the prime loan portal for highest chance of success.
Loan Programs For Fair & Poor Credit Scores: 650 FICO & Below
Can be used as a 2nd chance add on to your existing financing program.
Interest Free 0% APR Programs Up To 21 Months
Flexible Business Loans & Working Capital
Financing Program For Commercial Sales Divisions.
AI-Powered Loan Portal Means Lower Rates &
More Approvals For Scores As Low As 500 FICO.
Loan applications take just 60 seconds, and our
AI-powered network of 75+ lenders instantly provides
the best rates, terms, and payment options without
impacting your customers’ credit.
Offering our full spectrum credit financing to your customers or adding our program as a 2nd look option to your current lender is incredibly simple. The fast and intuitive loan process requires no training or financing expertise from you or your staff.
Use the provided links, cards, QR codes and other digital marketing assets to get your customer started with the loan application.
The customer completes and submits the 60 second loan application and is presented with multiple loan offers in most cases.
Your customer has already agreed to the Assignment of Proceeds that is integrated into the loan docs so you simply need to request payment from your customer.
| Compare To Other Customer & Patient Financing Companies | |
Other Financing Providers |
|---|---|---|
| 0% APR Promotional Programs |  |
*Additional fees required |
| Prime Financing Programs For 650- 850 FICO Scores | |
*Additional fees required |
| Subprime Financing Programs For 500- 650 FICO Scores | |
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| Commercial Financing Programs For B2B Sales | |
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| No Product or Service Restrictions - Finance Anything | |
|
| No Per Loan Fees, Merchant Fees or Junk Fees | |
|
| No Loan Paperwork Required For Dealer or Practice | |
|
| Get Paid Like A Cash Deal. No Jumping Through Hoops To Get Paid | |
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| Loan Status Reporting Dashboard | |
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| Credit Approvals Down To 500 FICO Scores | |
|
| No Minimum Loan Volume Requirements | |
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| Marketing Materials & Tools For Success | |
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| No Risk or Recourse If Customer Doesn’t Pay Loan Back | |
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| No Prepayment Penalties or Hard Credit Pulls | |
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“Awesome product !”
You have found a way to make financing so easy for us and our customers.
“Doesn't get any easier!”
Truly the most innovative and easy to deploy financing program for businesses I have ever used.”
“Amazingly Simple !”
We were always intimidated by the thought of offering financing to our customers. It really doesn’t get any easier than this.
“Just 60 seconds to get an approval !”
Why wouldn’t you offer financing after seeing the fast and simple process
The HelloRates Partner Program is quick and easy for both your business and your customers/patients. After you complete the online enrollment form, you will receive a simple set of instructions with the steps to set up your custom Co-Branded Portal (2 minutes). This custom loan portal allows you to offer financing to your customers by providing access to our AI powered loan engine portal.
The platform is optimized to show only the best rates, terms and payment for each customer’s unique credit scenario and utilizes the proprietary technology to match them with the best lending options from our networks of 70+ top lenders.
Our AI-powered loan technology finds the best options based on each customer's unique situation, ensuring the highest chance of approval. When results are presented, customers can follow the easy prompts to submit their information on the provided secure custom co branded loan portal page.
The entire process takes only 60 seconds to apply and see their best loan offers and they can confidently submit their application knowing that there will only be a soft credit pull which will not harm their credit score. The entire process is fast, easy and intuitive and requires no hand holding or extra work from the dealer partner.
No, it's not necessary unless you have a unique question that isn't covered elsewhere.
In fact, most of our partners simply sign up, get started, and are up and running in less than 5 minutes. This ease of use is one of the aspects our partners rave about most often.
We've designed the program to be so straightforward and frictionless that 98% of our new partners self-enroll without needing any assistance from our team.
You can feel confident in the simplicity and efficiency of our process. Of course, should you need any help or support along the way, we're always here to assist you.
One thing you will notice that sets HelloRates apart from other financing company providers is that we do not have a sales team. We only have program experts & partner support. Why? Because the program only takes 5 minutes to get set up to begin using and we do not believe in high pressure selling, onerous training & onboarding or any other traditional approaches that takes you away from your core business or wastes your precious time. Our program is designed to be additive to your business, and therefore needs no extra time, training or resources from your staff.
We take pride in being transparent with our pricing, and in providing a measurable outsized ROI for our partners. We see on a daily basis that the value & features that we have packed into the program, makes the program such a no-brainer that it literally sells itself.
Simply send your customer your Financing Portal Link via your website, email, text, or even a QR code on printed material for easy access. They can complete the online application in seconds and will be matched with the best options based on their current situation.
HelloRates provides financing for any product or service without any restrictions.
Businesses without a financing program will find HelloRates to be an excellent solution, as it opens the door to increased sales and profits. For businesses with existing financing programs that have credit limitations, HelloRates serves as a perfect add-on by providing a second chance option for customers whose credit applications have been declined by other lenders.
No, you don't need to switch from your current financing company. Many businesses initially use our program as a second chance when customers are declined by their primary lender. Over time, they often realize HelloRates can handle all their financing needs.
We offer options for credit scores as low as 500, and because we don't charge per-loan fees, you can save on the heavy fees typically charged by other companies.
Our flat-rate pricing makes it easy to see the ROI, whether you use us as a comprehensive full spectrum financing solution or as a complementary second chance program alongside your current financing provider.
Our Simple No Hassle Guarantee & Our Promise To You
We are very confident in the HelloRates Customer Financing Program and want your business to see the same successes that over 10,000 other businesses are seeing with the program.
We put our money where our mouth is and 100% guarantee that if you actively and in good faith use the program,* your businesses or practice will see positive results and ROI. If your business does not receive any loan application pre-approvals within the first 45 days of starting the program, you can request a 100% full refund of the monthly or annual fees charged. After 45 days, no refunds can be processed.
*To ensure that the program has a reasonable chance to prove its value to your business, we require that a minimum of 5 unique loans applications be submitted on your co branded loan portal within the 45 Day Guarantee period.
Important: Due to the upfront technical cost of the multi lender platform activations as well as the custom co branded marketing materials we provide, the one time $149 multi lender platform activation & set up fee is non refundable.
Terms and Conditions
Loan Application Pre-Approvals: If you successfully submit a minimum of 5 unique loan applications within the first 45 days of program enrollment and receive zero loan application pre-approvals, your business will be eligible for a refund.
Refund Request: You must request a refund before your 45-day period expires. How to Request a Refund
If you meet the criteria outlined above and wish to request a refund, please contact our customer support team at [email protected] before the 45-day period expires. Our team will review your request and process your refund promptly. Multi lender platform activation set up fees are non refundable.
We are dedicated to your success and are here to support you every step of the way.
At HelloRates, our mission is to empower businesses by providing robust, full spectrum customer and patient financing solutions. We believe that leading with a technology-first approach is what separates us from the archaic world of yesteryear's customer financing programs, and we continue to invest heavily in AI, machine learning, and the technologies that advance our ability to provide better, faster financing options to the market.
Integration Into The Dynamic AI Powered 75+ Lender Platform to Approve 500-850 FICO scores:
Each partner benefits by being directly connected to over 75 different prime & subprime lenders within our AI-driven machine learning loan decision engine. We also set up a unique URL for your loan portal to allow for accurate tracking of loan applications.
Custom Co-Branded Omni Channel Marketing Material To Ensure Quick & Easy Program Success:
Additionally, to help you fully harness the power of our financing programs, every partner plan includes a comprehensive suite of customized marketing assets, valued at over $350. These assets are specifically customized for your business to ensure a seamless partnership and to maximize your financing success.
Below is a list of the hard & soft marketing material you’ll receive as part of the Lender Platform Activation Fee:
The setup fee ensures that each of these high-value, customized marketing materials are created and specifically tailored for your business. This initial investment pays for itself many times over by equipping you with the tools needed to enhance customer engagement, drive financing applications, and ultimately boost your revenue.
As these marketing assets are custom-made and tailored to your business, the Lender Platform Activation Fee is non-refundable. This policy ensures that we can continue to provide top-quality, personalized services and support to all our partners.
Investing in these assets from the beginning positions your business for long-term success in leveraging our financing solutions.
Custom Co -Branded Marketing Assets To Ensure Success With The Program
To help you fully harness the power of our financing programs, every partner plan includes a comprehensive suite of customized marketing assets, valued at over $350. These assets are specifically customized for your business to ensure a seamless partnership and to maximize your financing success.
Below is a list of the hard & soft marketing material you’ll receive
Co-Branded Loan Portal: A professionally designed loan portal and application featuring your branding, creating a seamless experience for your customers.
These high-value, customized marketing materials are created specifically for your business to equip you with the tools needed to enhance customer engagement, drive financing applications, and ultimately boost your revenue.
These assets position your business for long-term success in leveraging our financing solutions.
Investing in these assets from the beginning positions your business for long-term success in leveraging our financing solutions.
HelloRates never charges per-loan fees, discount fees, or hidden fees to dealer partners.
There are no minimum volume requirements. Your account will not be shut off for inactivity or low loan volume.
No paperwork is required from our dealer partners. Unlike other financing programs we won’t request your business financials, customer contracts, completion certificates or any other paperwork.
Loan applicants typically only need to prove their identity with a government issued ID and their banking information so that they can receive their funds via direct deposit. Approved customers will follow simple steps to finalize their loan approval and receive funds directly in their account to pay you by cash or check.
Approved customers receive funds directly in their account and can pay you by cash or check.
We understand that some businesses and practices raise a concern that the customer may get their loan proceeds and book a vacation or spend their funds elsewhere. We solve this concern by including language in our terms and conditions that the applicant must agree to before seeing their loan approval options. This explicitly states that the applicant must use the loan proceeds for the product and services of your company only. This language legally binds them to how they can use the loan proceeds.
An unsecured loan, or personal loan, is based solely on the borrower’s creditworthiness and does not require collateral. It can be used for various purposes such as home improvements, debt consolidation, travel, and medical expenses.
A secured loan is backed by a valuable asset, such as a car or home, used as collateral. If you default, the lender can repossess the asset.
Prime credit loans are typically reserved for credit and loan profiles that have solid income, credit history and scores above 650 FICO. Subprime credit loans typically have income or credit history that is atypical and riskier with credit scores that fall below 650 FICO scores.
Our 0% APR promotional card program is perfect for those customers with credit above 650 and who want to finance their purchase using an interest free option, low payment and often includes other card based perks for miles, points, travel and cashback. These programs are in partnership with the major card issuers and have additional nuances due to the approval and funding process being tied to the customer's receipt of the card before they can use it.
HelloRates accepts credit scores ranging from 500 to 850.
Yes, HelloRates partners with lenders that cater to all credit types, from poor to excellent.
HelloRates does not pull credit or make credit decisions. Our partner lenders typically perform a soft credit check that does not affect your score. Some credit card providers may conduct a hard credit check for their final underwriting decision.
A soft credit inquiry occurs when you, a credit card company, or a lender checks your credit for pre-approval. It does not appear on your credit report or affect your credit scores. A hard credit inquiry occurs when you apply to a bank or lender. It appears on your credit report for 24 months and impacts your credit score for the first 12 months. HelloRates Loan programs are all soft inquiry programs and our 0% APR card programs require a hard inquiry to generate an approval.
HelloRates never charges consumers any loan fees. Once matched with a lending partner, the applicant will get the full loan terms and details of their specific loan approval.
While HelloRates has the deepest and most full spectrum credit coverage in the industry, that does not mean that every customer can be approved for financing. Sometimes credit, income and application scenarios cannot be approved due to the applicant's inability to effectively prove they’re able to make the repayment. If HelloRates cannot generate an approval for an applicant, then the applicant most likely cannot be approved anywhere in the market. The HelloRates program approves more challenged credit loans and goes deeper in credit than any other customer and patient financing program in the market.
We offer an optional “Extra Mile Program” that can help applicants that are declined or are approved with a rate that is higher than they expected due to their credit and underwriting risk assessment.
The Extra Mile program is EXCLUSIVE to HelloRates and is designed to help remedy applicants that are declined or are approved with a rate that is higher than they expected. Our team will work with the applicant directly to coach them with strategies and options on how to best resolve credit report issues and to get them credit ready. We are happy to work with your customers before or after they apply for credit.
You should expect to generate approvals for more applicants than any other program in the industry due to our full spectrum customer financing options. We are confident in the ROI that the program delivers compared to the competition. In fact we can confidently say that in most cases, saving or approving just one additional loan per year will pay for the program in its entirety. The bar to success is very low with the cost benefit of the program and is why we are the fastest growing customer & patient financing program in the market.
At HelloRates, we are committed to providing you with exceptional service and outstanding results. We are confident in our platform's ability to help you secure more loan approvals for your customers and patients. Experience the powerful benefits of HelloRates, with limited risk and complete peace of mind. If you do not receive any loan approvals within the first 45 days, you can request a full refund of the annual or monthly fees. After 45 days, no refunds can be processed. See full terms and conditions here.
Yes, we take privacy very seriously. All information is secure, using SSL encryption to establish an encrypted link. You can review our privacy and security policy on our website.
Can I contact HelloRates directly? Yes, please reach out using our contact form, and one of our friendly customer success agents will be happy to help you.
Schedule a free consultation with a HelloRates
Specialist to discuss how HelloRates can
Supercharge your specific business or practice.
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HelloRates is a leading FinTech platform offering the markets leading customer financing program for businesses, home improvement contractors, & medical practices. Our comprehensive full spectrum credit solutions maximize loan approvals, boost profits, and ensure higher customer satisfaction. Discover the difference HelloRates can make for your business’s financing needs.
Copyright © 2024-2025 HelloRates. All Rights Reserved. Made with 💙 in Charleston, SC
This website does not constitute an offer or solicitation to lend. Annual Percentage Rates (APR), Introductory Rates (Intro), terms, interest rates, amounts, and fee(s) are provided by Trust Tech LLC/ DBA HelloRates.com lending partners. HelloRates.com (the operator of this website) is a technology company not a lender, does not accept applications for credit, does not make loans, and does not make credit decisions. your information on this website does not guarantee that a lending partner will be able to be located to meet your needs or that you will be approved for a loan. The lending partner may perform a credit check or otherwise verify the information you provide. Not all lending providers offer loans up to the advertised amount and not all lending providers can provide you with the loan amount you requested. Loan amounts are determined by the lending partner based on individual creditworthiness. All financial terms of the loan, including annual percentage rate (APR”), fees, charges, and repayment period will be provided to you by the lending partner and may vary by lending partner, state, and your individual creditworthiness. You are NOT required to accept the terms of the loan that a lending partner offers you. If you don’t agree with or don’t like the terms of the loan offered by the lending partner, do not electronically sign the loan documents. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.
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