The better way tofinance home repairs.
Approved in 60 seconds. Paid to your contractor. Fixed monthly payments from 7.9% APR.
Offered by your contractor, right on the quote.
Loan size
$2k – $75k
Term
12 – 84 mo
Decision
under 60 sec
Available line
$75,000
In use
$28,400
Current project
Roofing replacement · BlueRidge HVAC
$28,900
What we finance
For contractors
Close more jobs at the moment of quote.
Quilt embeds into your quote. The moment you hand over an estimate, the homeowner sees a fixed monthly payment and can approve it in 60 seconds — right there, on the same page as the price.
Partner with QuiltEmbedded at the point of quote. Show a monthly payment the second you hand over an estimate.
Approvals in under a minute, so the homeowner says yes before you leave the driveway.
We pay you on milestones and handle repayment. No AR, no chasing checks.
The problem
A home is the largest expense most Americans never plan for.
When the roof or the furnace goes, it's thousands of dollars due all at once, and most households can't absorb it.
$500B+
spent on home repairs every year
$5K to $75K
what a major repair costs
1 in 2
can't cover it from savings
Sources: Harvard JCHS; Angi and HomeAdvisor cost reports; Bankrate, 2024–2025.
How it works
From a contractor's quote to a paid-off project.
Four steps. No paperwork, no waiting on the bank.
Get a quote
Your contractor gives you an estimate. Quilt finances HVAC, roofing, plumbing, electrical, foundation, and water heaters from $5,000 to $75,000.
Contractor Quote
HVAC Replacement
BlueRidge HVAC
Finance this project →
Your contractor gives you an estimate. Quilt finances HVAC, roofing, plumbing, electrical, foundation, and water heaters from $5,000 to $75,000.
Contractor Quote
HVAC Replacement
BlueRidge HVAC
Finance this project →
A few questions, a soft credit check that won't affect your score, and a real rate on the spot. No paperwork, no branch visit.
Your Application
Step 1 of 3
You never touch the money. Once your job is verified complete, Quilt wires funds straight to your contractor. No checks, no awkward conversations.
Payment Sent
BlueRidge HVAC
$12,500.00
Wire transfer · 2 business days
One predictable monthly payment, fixed rate, no revolving balance. Prepay anytime with no penalty.
Your Loan
Monthly
$287
Rate
9.99%
Term
60 mo
Next Due
Aug 1
Why Quilt
A better way to pay for the things your home needs.
Rate
Rates from 7.9% APR
Fixed-rate loans underwritten on the property and the project, not just your credit score. No teaser rates, no balloon payments.
Payment
Paid to your contractor
Funds go straight to the vendor on milestones, never your checking account. You sign once and the project gets done.
Home Account
One account, every project
Your roof, your HVAC, your water heater. Every loan, every payment, every receipt in one place. Forever.
Estimate your payment
See what your repair could cost per month.
Adjust the sliders to get a rough idea. Actual rates depend on credit profile.
Repair type
Loan amount
$25,000
Loan term
Est. monthly payment
$531.05
This estimator uses a 9.99% sample rate for illustration only. Real Quilt rates start at 7.9% APR and depend on your credit profile.
Get early access
Don't drain your savings. Finance your repair in 60 seconds.
We're working with a small group of homeowners and contractors ahead of launch. Join the list.
We'll never share your email. One thoughtful update a month, max.