Higher close rate. Better support. Funds go to you.
Stop losing jobs to sticker shock. Golt gives every customer an easy way to afford your work — you get paid up front, they pay over time, and close bigger jobs far more often.
Figures reflect applications submitted through the Golt network. Rates, terms, and promotional plans are set by participating lenders and vary by credit profile, program, and term. All financing is subject to lender approval.
One bank gives you one answer. We ask until we get a yes.
Most contractors are tied to a single lender, so a single decline ends the sale. Golt is integrated directly with multiple large banks and direct lenders, and we work them in sequence — not all at once — until one approves.
The customer applies once
One short application, submitted a single time. No re-typing the same information for a second or third lender.
Our waterfall runs the network
Lenders are tried one by one, in order, in under 10 seconds. We never blast an application across the market.
You see the real number
Results land in about two minutes with the maximum approved amount, so you quote to a budget you can trust.
The lender funds your business. Not the homeowner.
Consumer loans that deposit cash into the homeowner's account put your contract at risk: the money becomes leverage for a second round of bids, or it quietly disappears mid-project. Golt's lenders pay the contractor directly.
Roughly 27% of households finance an improvement project in full.
If financing is not on the table, that is the share of your estimates deciding between a smaller scope and no job at all.
Start an application however the conversation is happening.
At the kitchen table, on the phone, or from the truck — your team has four ways to put an offer in front of a homeowner, and none of them require training your techs to be loan officers.
Text or email a link
Send the application by SMS or email and let the homeowner complete it on their own phone.
Show your QR code
One scan from your estimate, truck wrap, or door hanger opens the application instantly.
Fill it in over the phone
Take the details while you have them on the line, then send a pre-filled link — they add only their SSN and date of birth.
Hand us the phone
Transfer the customer to our desk mid-call and we handle plans, approval, and the fine print as your company.
Send us your dead leads. We'll bring them back.
Every contractor has a list of estimates that went quiet over price. Hand it to us — our team calls them, runs the approval, and books the appointment back onto your calendar.
Your reviews are on the line every time a lender picks up.
Trades live and die on word of mouth. It does not matter how good the install was — if the financing call was slow, confusing, or cold, that is the story the homeowner tells their neighbor.
Golt staffs a dedicated support desk that answers in under 30 seconds and stays with your customer until their questions are done. Because we are integrated with the banks directly, answers come back immediately instead of after a hold queue.
Not every customer has the cash up front.
Financing is not a discount tool. Done properly it raises the average ticket, brings in calls your competitors never get, and gives homeowners a reason to trust the company that offered it.
Bigger tickets
Hear yes on the full scope instead of the stripped-down version. Contractors on the program close 30% or more additional projects inside a year.
More calls
Put financing in your marketing and the phone rings more. Roughly 27% of households finance an improvement project in full.
A better experience
Fair, fast, clearly explained financing builds trust — and trust is what turns a completed job into a referral.
What your customers can be offered.
Golt is not a lender. Financing is originated by participating banks and lenders, and all applications are subject to their approval, terms, and disclosures. Advertised amounts, rates, and promotional programs depend on the customer's credit profile, the selected term, and the lender's program availability. Pre-qualification uses a soft credit inquiry; a hard inquiry may be required to finalize a loan.
Answers before you commit to anything.
See what your customers would be approved for.
Tell us about your business and a specialist will walk you through the program, the lender network, and how funding would work on your next job. It takes about a minute and commits you to nothing.