HVAC Lease-to-Own Program for Contractors
01YOUR BUSINESS + MICROFRegister Your BusinessRegister online, then complete onboarding and training.View detailsHide details
Register directly through Microf’s online contractor registration form. Our onboarding team will guide you through the required business information, documents, Contractor Agreement, and training before activating your account. There are no signup fees, ongoing contractor fees, or minimum volume requirements.
02YOUR TEAM + HOMEOWNERHelp Your Customer ApplyStart an application or send your customer a personal link.View detailsHide details
Start an application in the Contractor Portal or send your customer a personalized application link. Customers should enter their income and banking information directly into the secure application.
03MICROF + HOMEOWNERReview the Application DecisionFollow the decision and any documentation requests.View detailsHide details
Follow the next steps shown in the portal. Some applications require additional documentation before Microf can send the Lease-Purchase Agreement. Approval is subject to verification and program requirements.
04MICROF AUTHORIZATIONReceive Authorization Before InstallingWait for Microf’s authorization before installation.View detailsHide details
The homeowner must sign the Lease-Purchase Agreement and make the initial payment. Wait for Microf’s installation authorization, which appears in the Contractor Portal and is also sent by email.
05YOUR INSTALLATION TEAMComplete the Installation and Submit the DetailsEnter equipment details and certify the completed installation.View detailsHide details
After installation, open the application in the Contractor Portal and select Complete/Fund. Enter the equipment make, model, and serial numbers, then provide your initials and installation date to certify completion.
06MICROFReceive Contractor PaymentExpected funding within 3 business days after submission.View detailsHide details
After you submit the completed installation information and certification, the portal confirms receipt. Expected funding is within 3 business days.
Microf helps contractors sell more jobs
Lease-to-Own Support for Your Team
Offer your customers lease-to-own options for HVAC and water heater replacements, with a dedicated Microf team to help you through the process.
Products We Lease
Your customer with challenged credit can be approved with our convenient and affordable lease-purchase programs.
Are there fees to join or participate?
No. Microf has no signup fees, ongoing contractor fees, or minimum volume requirements.
What documents are needed for contractor onboarding?
Microf requests a signed Contractor Agreement, a W-9, ACH information, and applicable business or contractor licenses. Additional documentation may be requested during review. The onboarding team will explain what your business needs to provide.
How quickly can my business get started?
Microf offers a fast approval process. Getting started includes completing the required review, agreement, and training. Your onboarding team will guide you through the next steps.
What equipment is eligible for lease-to-own?
Microf offers lease-to-own options for eligible residential HVAC and water heater replacements. Equipment categories include air conditioners, gas furnaces, heat pumps, mini-splits, boilers, and tank, tankless, and heat pump hybrid water heaters.
Equipment and brand restrictions apply. Confirm eligibility in the Contractor Portal or with your Account Manager before proceeding.
How does Microf help me serve homeowners with challenged credit?
Microf’s Lease-To-Own program gives qualified homeowners with challenged credit an additional payment option for HVAC and water heater replacement. It helps your business serve customers who might otherwise delay a needed replacement. Approval is subject to verification and program requirements.
Can customers complete their own applications?
Yes. Customers can complete the application on the Contractor’s device, or Contractors can send a personalized application link so customers can apply on their own devices. Customers should enter sensitive information directly into the secure application. Contractors should not collect or retain customer bank account information.
When can I install the equipment?
Wait until Microf authorizes installation. An application decision alone does not authorize installation. The homeowner must complete the required agreement and initial payment, and any outstanding requirements must be satisfied.
How do I request payment after installation?
Select Complete/Fund in the Contractor Portal. Enter the required equipment details, initials, and installation date, then certify and submit the completed installation. Expected funding is within 3 business days after submission.
What training and support are available?
Contractors complete program training during onboarding and receive dedicated Account Manager support. Contact your Account Manager for help with the portal, program questions, or guidance on using approved Microf marketing materials.
Where is Microf available?
Microf is available in all states except Alaska, Hawaii, Maine, Minnesota, New Jersey, Vermont, Wisconsin, and Wyoming. Program and agreement terms vary by state.