Contractor Testimonials

“As a comfort consultant, I am in front of home owners on a daily basis. The platform has enabled my customers to be financed where they might have been denied with other lenders. Microf has eliminated the need for multiple lenders, instead I have an option that enables an approved response which in turn, boosts the customers confidence in our company. I have been in the air conditioning industry for over 30 years and Microf is a revolutionary product that I use daily in the field.”

Danny Byers


“We have been partner’s with Microf and their family for a number of years. I love that I can pick up the phone with any issue and it is solved quickly and efficiently. Our ability to get customers financed is at an all-time high, and they are amazed at the ease of financing.”

Debbie Griffin

Climatech Air Conditioning

“Awesome program! We can’t wait to get started!”

Cristina Medina-Gallegos


I own a small Air conditioning heating company in Texas. I found out about Microf in the spring of 2018. They have been a blessing to partner with. Not only are they helping us grow our business, but they have been there for so many customers who have challenged credit. All I hear from our new customers is good things when it comes to Microf. They are true professionals at Microf!

Jeff Holland

Holland Air Conditioning and Heating

“Everything is 110% easier. From filling out information, to getting funded. It is all just so much easier.”


Mike Sankowski

Seabreeze Heating and Air

Working with Hannah and the Microf team while onboarding with Microf was fast and painless. Training was in depth but not boring, Hannah and her team made sure I understood everything involved. Hannah has been available morning, noon or night when I needed to get in touch with her regarding a customer. If she couldn’t help, she made sure to get the right people involved who could and continue to follow up until the resolution needed was done. Thank you so much to everyone at Microf!

Lauren Roop

Peterman HVAC

Amanda is like a knight in shining armor. She always swoops in to save the day when I am struggling to get a client approved for financing. She literally makes each customer and myself feel like we are the priority. Knowing I can turn to Amanda for any questions or concerns and get an answer immediately is the main reason I tell all of my customers to use Spectrum financing.

Kylan Easterling

Griffin Home Services

As a leading dealer in the HVAC business, it is not always easy to find a perfect relationship with our vendors.  That has not been the case with MICROF.  From the Dealer portal, to the email correspondence, everything is streamlined, informative and beneficial to our company.  Our representative April Hebert is witty, charming and professional and ALWAYS makes herself available to us.  If we have a problem, April fixes it, if she is not able to fix it she finds the person who can.  I would recommend MICROF to any other dealer or vender that might be looking for an option for customers that may need that little extra help.  We have had a great year with MICROF and look forward to many yet to come.

Pamela Stock

Ace Home Services

Our company is very excited to offer new financing with Microf! The process to get started was easy and painless. Even going through entering the first application- super simple! We enjoy having the ability to offer a multitude of financing options for customers all across the credit spectrum. It not only affords us the opportunity to earn more business but, more importantly, because of Microf we have the potential to help more people that previously we may not have been able to. It’s a win-win in my book!

Jill Marrero

Summit Heating and Air Conditioning LLC

Microf is the most flexible and responsive lender in our portfolio. I’m able to reach Amanda, my account manager, at any time I need her assistance. The application and approval process is straight forward and simple. The URL specific to my company for consumers to complete the application themselves is also a helpful tool during peak business hours. Also, the funding of loans is extremely quick once the projects are complete.

Philip Gomez

John Moore Services

We are very impressed by the ease of entering in the customers information and the customer service team is always willing to help out if needed. We love Microf!

Konno DeWitt

Elite Electric And Air