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Financing that fits how permanent lighting gets sold

Turn permanent lighting estimates into monthly payments

Offer monthly payments at the property, on the estimate, or in follow-up. Eligible permanent outdoor lighting businesses can pay a 0% merchant fee on funded sales, with no setup fee or monthly software cost.

0% refers to your merchant fee on eligible funded sales. Homeowner APR and terms vary by offer and approval.

Get Started
Home illuminated by permanent warm-white roofline lighting
  • 0%

    Eligible merchant fee

  • 3-84 months

    Available terms

  • $300-$25K

    Eligible purchase range

  • From 0% APR

    Customer financing

The problem

The lighting design can win them. The total still has to fit.

Your cost

Keep more of every financed lighting sale

Eligible permanent outdoor lighting businesses pay a 0% merchant fee, with no setup or monthly software cost.

Setup fee
$0
Monthly software
$0
Eligible merchant fee
0%

Pay only when an eligible financed sale funds.

The homeowner's decision

Homeowners pause at one big estimate

A homeowner can love the complete lighting design and still hesitate when the project price lands at once.

Project price$12,900
→$214/mo

Show the monthly while the lighting design is fresh.

Term length

Give bigger lighting projects more time

Eligible offers include rates as low as 0% APR and terms from 3 to 84 months.

$1,075$214$154
12 mo60 mo84 mo

Lower the monthly payment without scaling back the design.

Built for lighting sales

Keep the homeowner moving from design to approval

Waveforce connects your outdoor lighting company with a financing partner built for how contractors sell. Homeowners can apply through a simple link in one to two minutes, receive a real-time decision, and review eligible terms from 3 to 84 months.

Turn the design estimate into a payment decision.

Send the link while the homeowner is reviewing the lighting plan. The application takes about 1 to 2 minutes and returns a real-time decision.

Projects from $300 to $25,000:

Built for whole-home rooflines, larger installations, and upgrades

Terms from 3 to 84 months:

Give larger projects more time and a more manageable monthly payment

Built to be finished:

A short, mobile-first application that keeps the estimate moving

Works where you sell:

Property visits, design estimates, invoices, showrooms, or follow-up

Financing application

1 to 2 minutes, phone or desktop

Identity
Income
Real-time decision
Review offers

Get paid upfront on eligible financed sales.

On an eligible completed sale, the financing partner may fund the approved sale amount upfront and handle homeowner repayment from there.

Approved sale amount upfront:

Your business is paid rather than collecting monthly installments

Funding timing confirmed:

The financing partner confirms timing before launch

You are not the lender:

The financing partner handles underwriting, servicing, and collections

No chasing loan payments:

Homeowners repay the financing partner, not your lighting company

Funded

$6,500.00

Eligible sale funded to your business

Timing confirmed before launch

Keep more of the project with a 0% merchant fee.

Eligible permanent outdoor lighting businesses pay no merchant fee when a financed sale funds. There is also no setup cost, enrollment fee, or monthly software cost.

No setup or enrollment fee:

Getting started costs nothing

No subscription:

No monthly software cost

0% merchant fee:

Applied to eligible funded permanent lighting sales

Fit confirmed first:

Eligibility depends on your business classification

$0
to get startedNo setup fee. No monthly software cost.

Starting at

0%
Merchant fee0% for eligible permanent outdoor lighting businesses. Customer APR and available terms are separate.

Financing application

1 to 2 minutes, phone or desktop

Identity
Income
Real-time decision
Review offers
Funded

$6,500.00

Eligible sale funded to your business

Timing confirmed before launch
$0
to get startedNo setup fee. No monthly software cost.

Starting at

0%
Merchant fee0% for eligible permanent outdoor lighting businesses. Customer APR and available terms are separate.
How it works

From lighting estimate to financing decision in minutes

Send the homeowner your financing link. They apply, get a real-time decision, review available offers, and complete the agreement with the financing partner.

Your customer

They apply in about 1 to 2 minutes

They open your financing link
Name
Phone number
Social Security number
Income
Real-time decision

Checking available options uses a soft credit pull and does not affect their credit score.

Your lighting company

You finish the sale

Approved application is ready
Confirm the final project price
Homeowner completes the agreement
Loan booked
Eligible sale funded to you
Ready to move forward

Financing is subject to credit approval.

No software to install. Funding does not wait for the homeowner's final project sign-off.

See it in action

What a homeowner sees when the lighting design becomes a monthly payment

Qualified homeowners may be eligible for promotional 0% APR plans.

You’re approved!

Choose the installment plan that works best for you.

60 months12.99% APR
$192.22/mo
48 months10.99% APR
$218.35/mo
36 months9.99% APR
$272.62/mo
12 months0% APR
$704.17/mo
Choose a plan
Benefits

Close more lighting projects. Keep more margin.

The homeowner gets a monthly payment path. Your lighting company gets a 0% merchant fee on eligible funded sales and no loan servicing to manage.

Close More Lighting Projects

Give homeowners a way to move forward without cutting the design or waiting for another payment source.

Paid Upfront

Eligible completed sales may be funded upfront while the homeowner repays the financing partner.

0% Merchant Fee

Eligible permanent outdoor lighting businesses pay a 0% merchant fee on funded sales. Homeowner APR and terms are separate.

A 1 to 2 Minute Application

Homeowners apply through a simple link while the design and estimate are still fresh.

Real-Time Decisions

A decision can come back in seconds after the application is complete, so the conversation keeps moving.

$300 to $25,000 Projects

Financing built for whole-home rooflines, multi-zone installations, and lighting upgrades.

3 to 84 Month Terms

Eligible home improvement offers may include terms from 3 to 84 months. Available terms and approval vary.

No Loan Servicing to Manage

The financing partner handles underwriting, servicing, and collections. You stay focused on the project.

Works Where You Sell

Use it during property visits, on design estimates or invoices, and during follow-up.

Where monthly payments keep lighting projects moving

  • A homeowner can love the complete roofline design and still need to see the monthly payment before saying yes.

    Strong fit for whole-home estimates
    Lighting estimates
    Suburban home with warm-white permanent lighting installed along the roofline at blue hour
    Whole-home designs
    Lighting estimates
  • A larger roofline or multi-zone installation can raise the total quickly. Financing gives the full scope another path forward.

    Strong fit for larger installations
    Complete project scopes
    Professional installer mounting permanent LED lighting beneath a home's eaves from a secured work platform
    Larger installations
    Complete project scopes
  • The final yes often comes after the property visit. A financing link keeps the estimate and payment option together.

    Strong fit for quote follow-up
    Property consultations
    Lighting consultant reviewing a permanent roofline lighting estimate with homeowners outside their home
    Quote follow-up
    Property consultations
Built for permanent outdoor lighting sales

One financing path. Every project stage.

Waveforce logo
Property visits
Design estimates
Roofline lighting
Whole-home systems
Accent lighting
Landscape zones
Patio lighting
Holiday presets
App-controlled systems
Multi-zone projects
Project invoices
Lighting upgrades

From the first property walk-through to the accepted lighting design, give homeowners a payment option without changing how your team sells.

Explore Supported Industries

Permanent outdoor lighting eligibility depends on the merchant's business classification.

Common Questions

For an eligible permanent outdoor lighting business, the available standard home improvement program charges no merchant fee when a financed sale funds. There is also no enrollment fee or monthly software cost. The homeowner's APR is separate.

Promotional 0% APR offers may be available to qualified homeowners. Promotional plans are separate from the 0% merchant fee available on eligible standard home improvement financing and may carry a different merchant cost.

Permanent outdoor lighting businesses may be eligible. Final eligibility depends on how the business is classified and the financing partner's program guidelines, so Waveforce confirms the fit before enrollment.

Eligible purchase amounts currently range from $300 to $25,000, with terms from 3 to 84 months. Actual amounts, APRs, terms, and approval depend on the offer, project, and homeowner's credit profile.

Send the homeowner a simple financing link while reviewing the lighting design, after delivering the estimate, on an invoice, or during follow-up. The application takes about 1 to 2 minutes, so the payment conversation can stay with the project.

Yes. You can generally add another financing option alongside the program you already use. Any provider-specific restrictions are confirmed before enrollment.

Checking available options uses a soft credit pull and does not affect the homeowner's credit score. If the homeowner selects an offer, the financing partner may request a full credit report. The homeowner is told before confirming.

On an eligible completed financed sale, the financing partner may fund the approved sale amount upfront and handle homeowner repayment from there. Exact timing is confirmed before launch and varies by program and transaction status.

Waveforce first confirms that your business and sales process fit the available program. Once approved and enrolled, most eligible businesses can begin offering financing within days, with no software to install or maintain.

Still have questions?

Contact us

See how fast affordable financing can help you close more sales.

Tell us how your permanent outdoor lighting company sells. We will confirm the fit and introduce you to a finance specialist with our lending partner.

Get Started

Homeowner APR and terms vary. Financing is subject to approval.

Waveforce
Financing for permanent outdoor lighting companies
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© 2026 Waveforce. All rights reserved.
Waveforce is not a lender. Financing is provided by independent third-party financing partners and is subject to merchant eligibility, customer credit approval, and program terms. Available amounts, rates, terms, fees, and funding timing vary. Examples are illustrative and are not offers of credit.