Apply Once
One Simple Application
About 30 seconds to complete, with one soft credit pull that does not harm the customer's credit score.
Wholesale Contractor Financing
What Happens When You Cut Out The Middleman?
LevelCore Wholesale Contractor Financing removes the dealer fee and gives contractors more ways to get the job financed. And that's just the start.
- $0 dealer fees. Keep 100% of your financed proceeds.
- Approve more customers. Credit profiles down to 500 FICO.
- Give homeowners more ways to say yes. 0% APR up to 21 months, payments as low as 1%, and broader loan options.
No Setup Fees
No Dealer Fees
3-Minute Signup
5 out of 5 stars
Trusted by 11,000+ Contractors
Same Job. Different Economics.
On a $15,000 Financed Project
Traditional Financing
-$1,125
7.5% dealer fee
You receive $13,875
LevelCore Wholesale
$0
dealer fee
You receive $15,000
Trusted By 11,000+ Contractors Nationwide.
Zero Dealer Fees
Receive 100% Of The Funds. Like You Deserve.
You found the customer. You sold the project. Your team does the work. With LevelCore, the dealer fee is $0, so 100% of the financed proceeds stay with your business.
Traditional dealer fees can take
6–13%
of every financed job. The larger your financed volume gets, the more expensive that percentage becomes.
LevelCore dealer fee
$0
Zero stays zero on a $10,000 job, a $25,000 job, or a $60,000 job.
A Better Economic Model
Stop Giving Away A Percentage Of Every Financed Job.
Retail financing can get more expensive as your financed volume grows. LevelCore replaces the percentage-based dealer fee with predictable wholesale platform access, so your financing economics stay in your favor.
The Math
See What Retail Financing Is Costing Your Business.
Slide the controls to match your financed volume and current dealer fee. See what expensive retail financing can take out of your business, then compare it with LevelCore Wholesale Contractor Financing at $0 dealer fees.
$22,000
4
7.5%
Wholesale Platform Access starts at $67/month with annual access ($804 billed annually). $0 dealer fees. No per-loan fees. No setup fee
Estimated Dealer Fees You Keep In Your Business
$79,200
That's $79,200 that could stay in your business instead of going to dealer fees.
- Annual Financed Volume
- $1,056,000
- Dealer Fee Per Avg. Job
- $1,650
- LevelCore Dealer Fee
- $0
- Wholesale Platform Access
- $67/mo$804 billed annually
More Ways To Win The Job
Help More Customers Say Yes To The Project.
Approve more customers. Make bigger projects easier to say yes to. Get paid in full up front. Wholesale gives you more ways to close the job and keep your business moving.
Approve More Customers. Down To 500 FICO.
Turn more credit profiles into another chance to close the job.
LevelCore Wholesale Financing reaches credit profiles down to 500 FICO. Behind the scenes, LevelCore can search across 75+ lending program guidelines to find more available paths to an approval.
- Credit profiles down to 500 FICO
- Up to 3 available loan options
- More paths when another program says no
Make Bigger Projects Easier To Say Yes To.
Give homeowners payment options that can make the project feel more affordable.
Offer 0% APR promotional financing up to 21 months and payments as low as 1% of the balance, giving customers another way to move forward without letting the project price stop the sale.
- 0% APR promotional financing
- Payments as low as 1% of the balance
- More ways to overcome sticker shock
Get Paid In Full Up Front.
Just Like a Cash Deal.
Put cash back into your business sooner with LevelCore Wholesale Financing.
LevelCore Wholesale Financing is built to pay the contractor in full up front, without staged funding or lender holdbacks slowing down cash flow.
- Cover labor and materials sooner
- Keep crews and projects moving
- Book the next job without waiting on funds.
Your Project. Your Proceeds. Protected.
As part of the loan application process, your customer e-signs an Assignment of Proceeds confirming the funds are designated for your project and your business. The signed document is securely stored in your LevelCore dashboard for easy access anytime.
Traditional Retail Contractor Financing vs. LevelCore Wholesale Contractor Financing.
The Proof Is In The Net Proceeds.
Compare what you keep, who you can approve, how customers can pay, and how quickly funding can move.
What Matters
LevelCore Wholesale Contractor Financing
Traditional Retail Contractor Financing Program
Dealer Fees
LevelCore Wholesale
0%
Traditional Retail
Often 6% to 13% of the financed job
Financed Proceeds
LevelCore Wholesale
Keep 100% of your proceeds
Traditional Retail
Dealer fees are deducted from proceeds and reduce what you receive
Funding & Cash Flow
LevelCore Wholesale
Get paid in full up front with Full Spectrum
Traditional Retail
Staged funding, draws, or holdbacks can delay cash flow
Multiple Paths For Approval
LevelCore Wholesale
75+ lending program guidelines
Traditional Retail
Typically a single in-house financing program
Challenged Credit
LevelCore Wholesale
Approvals down to 500 FICO
Traditional Retail
Typically limited to stronger credit profiles, often around 650+ FICO
Offers
LevelCore Wholesale
Up to 3 loan options
Traditional Retail
Typically one offer
With zero dealer fees and wholesale access, contractor financing can cost less and work better across the entire financing experience.
More Ways To Say Yes
Two Programs. More Ways For Your Customers To Say Yes.
Give prime-credit customers promotional payment options and give broader credit profiles another path to financing. Two programs help more homeowners find a way to move forward with the project.
Prime Promotional 0% APR Program
Make The Monthly Payment
Easier To Say Yes To.
0% Promotional Contractor Financing gives prime-credit customers a lower-payment way to move forward with the project.
- Customer Credit650+ FICO
- Dealer Fee$0
- Financing AmountUp To $15,000
- Promotional Terms12 / 15 / 18 / 21 Months
- Minimum PaymentStarting At 1% Of Balance
Lower payments. More approvals. More projects.
Full Spectrum Term Loan Program
Give More Credit Profiles
A Path Forward.
Full Spectrum Term Loan Program expands approval coverage and gives customers more available ways to finance the project.
- Customer Credit500–850 FICO
- Dealer Fee$0
- Loan Amounts$500–$100K+
- Offers In 30 SecondsUp To 3 Best Offers
- Fast Funding24–48 Hours
More credit profiles. More approvals. More ways to win.
The LevelCore Decision Engine
Your Customer Applies Once. The Rest Happens In Seconds.
Your customer applies once. Then LevelCore scans 75+ lender guidelines spanning subprime through prime behind the scenes, in seconds, with one soft credit pull and no harm to the applicant's credit score.
Behind The Scenes
75+ Lender Guidelines Are Scanned Automatically
Subprime through prime. LevelCore does the shopping in seconds so your team and your customer do not have to.
In Seconds
Available Options Come Back Fast
LevelCore can return up to three available Full Spectrum loan options, giving the customer more ways to say yes without adding friction.
Flexible By Design
Add LevelCore Without Being Required To Switch.
Use LevelCore side by side with the financing you already offer.
Compare approvals, customer payment options, funding, and economics, then decide how you want to use it.
Use It Side By Side
Add LevelCore alongside your current financing program with no requirement to switch. Compare the economics, approvals, customer payments, and funding, then decide how you want to use it.
- Economics
- Approvals
- Customer payments
- Funding
Everything You Need To Launch
Every LevelCore account includes tools and materials to help your team put contractor financing to work.
- Co-Branded Loan Portal
- QR-Enabled Financing Cards For The Sales Team, The Field & The Showroom
- Sales team materials
- Customer-facing materials
- Implementation guidance
- Contractor and customer support
Need More Funding? Fill The Gap.
If another lender approves part of a project but leaves a funding gap, LevelCore can be used to finance the difference. There is no requirement that LevelCore fund the entire project.
Project
$35K
Other Lender
$25K
LevelCore can finance the shortfall
$10K
Choose Your Plan
Choose The LevelCore Plan That Works Best For Your Business.
Choose month-to-month flexibility or get our best value with Annual Platform Access. Both plans include the same wholesale contractor financing platform.
Trusted by 11,000+ contractors
No setup fee
No dealer or per-loan fees
Month-To-Month Wholesale Platform Access
$97/month
Billed monthly
Maximum flexibility
- 0% APR up to 21 months and payments as low as 1% of outstanding balance
- All credit welcome down to 500 FICO. Loan Amounts $500-$100k+
- Broad lending network and automated decisioning
- LevelCore Loan Decision Engine
- Contractor dashboard
- LevelCore Launch Kit
Month-To-Month Flexibility
Stay flexible with monthly platform access.
Annual Wholesale Platform Access
$67/month
$804 billed annually
Save $360/year vs. paying monthly
- 0% APR up to 21 months and payments as low as 1% of outstanding balance
- All credit welcome down to 500 FICO. Loan Amounts $500-$100k+
- Broad lending network and automated decisioning
- LevelCore Loan Decision Engine
- Contractor dashboard
- LevelCore Launch Kit
- Double Down Performance GuaranteeExclusive to Annual Platform Access. If LevelCore doesn't produce an approval after 12 qualifying applications in your first year, your next year of annual platform access is included. Terms and eligibility requirements apply.
Save $360/year vs. paying monthly
Get Started AnnualDouble Down Performance Guarantee available with Annual Platform Access. Terms and eligibility requirements apply.
Why LevelCore
Proven. Trusted.
Built For Contractors.
Dealer fees were too high. Contractor margins were getting squeezed. The financing model needed to change.
With 25 years in contractor financing, our founder has seen the industry from every side. 15 years ago, he pioneered the no-dealer-fee contractor financing model to help contractors keep more of what they earn.
Today, LevelCore brings that same contractor-first philosophy and economics to a modern wholesale contractor financing platform.
11,000+
Contractors
Trust LevelCore
$142M+
Dollars Funded
Helping Contractors Grow And Succeed
25+ Years
Contractor Financing Experience
Industry Knowledge. Proven Results.
15 Years
Pioneered The No-Dealer-Fee Model
Contractor-First From Day One.
50 States
Nationwide
Contractor Financing Coast To Coast
100%
Contractor-First Economics
You Keep 100% Of What You Earn.
Trusted By Top Contractors Nationwide
As Featured In And Contributed To
Our founder has contributed through leadership, written articles and has been quoted on home improvement financing and contractor success.
We Put Contractors First.
No dealer fees. Deeper approvals. Keep 100 percent of what you earn.
Before You Go Wholesale
Questions? Get The Straight Answers Before You Get Started.
How you get paid, what you can finance, who can qualify, how credit works, what's included with Wholesale Platform Access, and what happens if a customer doesn't repay.
Wholesale Contractor Financing
Stop Paying Retail. Give More Customers A Way To Say Yes.
Keep 100% of your financed proceeds, get deeper credit approvals, offer better payment options, and let LevelCore do the loan shopping behind the scenes.
No Setup Fees
No Dealer Fees
3-Minute Signup