Sell higher SEER systems

Offer flexible financing options, including 15-year terms** and low monthly payments.

Turn your next service call into a sale and increase margins on every transaction.

Make it simple and affordable for your homeowners to upgrade to a better HVAC system that makes their homes more comfortable and energy efficient.

Offer 10-year** or 15-year term**, deferred interest loans with no payments for 12 months* for 16 SEER and above systems.

When you start the conversation with low monthly payments, it’s easy to show your homeowners the cost versus benefit that a better system brings to their lives every day.


Financing options benefit both homeowners and contractors:

  • Offers 10-year** or 15-year** term, deferred interest loans with no payments for 12 months* which allows homeowners to purchase systems while staying within budget
  • Makes it easy to offer homeowners a range of products with different price points and SEER scores
  • Higher SEER systems are more reliable and save homeowners on utility bills — while increasing your margins.

Help your customers afford the best and close bigger deals.

Home Improvement Loans through the Mosaic platform are made by WebBank, Equal Housing Lender. 

Why choose Mosaic

HVAC contractor benefits
Contractor benefits
  • 15-year** terms means low monthly payments
  • Bigger tickets mean better margins
  • Near-instant pre-approval decisions with soft credit checks
  • Interactive payment estimator
Homeowner adjusting thermostat
Homeowner benefits
  • Fast financing options at the point of sale
  • Low monthly payments provide more purchasing power
  • Latest technologies and increased durability
  • Better functionality and economic outcomes

Get pumped about Mosaic’s heat pump financing options

Heat pumps are gaining popularity for their energy-saving abilities. It’s estimated that heat pumps could save homeowners around $1,000 per year on energy bills. Coupled with the Inflation Reduction Act’s rebates and tax incentives, Mosaic financing options can make heat pump systems more affordable for your customers with up to 15-year** loan terms. 

Dig into the future of heating and cooling with geothermal financing options through Mosaic.

NOW OFFERING – geothermal systems through the Mosaic financing platform.

We make geothermal adoption easy for your customers. Offer up to 20-year** loan terms with no payments for 12 months* and affordable payment options. Help your homeowners upgrade and make their homes sustainable, comfortable and energy efficient.

Financing at your fingertips — speed up the process from lead to loan signing

Our app makes it easy to pre-qualify your customers on your own screen right on the spot. Or, you can keep it contact free and text or email them a link.

Get financing that fits any sales process and works from any device. There’s nothing to download; access it from any browser and save a shortcut for instant access.

* No payments for 12 months – interest will be charged from the start of loan if the principal balance is not paid in full within the deferred interest period.

** Payment example: A 10 year, fixed-rate, $20,000 Deferred Interest loan with a 12.99% APR and a 12-month promotional period, would have 120 monthly payments of $332.80, starting after the end of the promotional period. Monthly payment amount may vary based on disbursement date(s). Annual Percentage Rate (APR) in the example includes a 0.25% interest rate reduction for borrowers who sign up for automatic payments. Interest Rate and monthly payments will increase if the borrower changes the payment method.