Stop losing jobs to financing
The customer who wants the full scope and can fund only half of it does not become a smaller job. They postpone.
What this actually does for you
Many homeowners have a first mortgage they will not refinance and do not know that equity may be reachable without touching it — so they scope down, defer, or put part of the job on a card.
Giving them another way to fund the work can change the size of the job you win, without you carrying a dealer fee.
Why not just use point-of-sale financing?
You can, and plenty of contractors do. The cost is a dealer fee — typically several percent of the ticket — that comes out of your margin or gets added to the customer’s price. On a $90,000 project that is real money, every time.
A HELOC against equity the homeowner already has carries no dealer fee to you at all. The homeowner compares its APR, origination fee, recording costs and payment against the dealer offer, and the amount available depends on their equity, credit, existing liens and debt-to-income.
What your customers get
- A named contact who answers the phone, not a call center
- A soft credit check first, so they can see where they stand without affecting their score
- An offer they compare on its own terms: APR, origination fee, recording costs and payment
- No dealer fee to you, no enrollment cost and no volume commitment
Talk to us about your customers
Tell us about your company and the work you do. One conversation covers how the line works for a homeowner.
The contractor directory is separate
This site keeps a free, public directory of licensed contractors in Orange County and the San Francisco Bay Area. It is there for homeowners planning a project. Any contractor with a current CSLB license can be listed, whether or not you ever fill in the form above, talk to us, or have a customer who borrows. A listing never depends on sending business, and it is never removed for not sending any.
To be considered, email your company name, CSLB license number and website to mcasillas@c2financial.com.
Listings are provided for information only. Matt Casillas and C2 Financial Corporation do not endorse any contractor, and no contractor pays for or receives compensation for a listing or referral.
A sample of listed contractors
Listed for information only. See the full Orange County directory.
Glass
Sonshine Glass & Mirror
Nearly five decades of custom frameless enclosures, mirrors and residential glass across Orange County, with every panel measured, cut and installed in-house.
Visit Sonshine Glass & MirrorRoofing
Stay Dry Roofing Company
A third-generation roofer with more than 27 years in Orange County — shingle work through Fullerton, Anaheim, Yorba Linda and Brea, tile through Mission Viejo, Laguna Beach and Coto de Caza, and emergency repairs around the clock.
Visit Stay Dry Roofing CompanyAll Service Roofing
Residential tear-offs, replacements and repairs with GAF, Owens Corning, CertainTeed, Boral and Eagle systems over synthetic underlayment, serving Orange, Los Angeles, Riverside and San Bernardino counties (CSLB 1070058). Free estimates.
Visit All Service RoofingHeating & air
Air Blue HVAC
Heat pump, air conditioning and gas furnace installation, replacement and repair across Irvine, Tustin and central Orange County (CSLB 1084688), with free estimates on new equipment and a stated policy of repairing what can be repaired instead of selling a new system.
Visit Air Blue HVAC1st Choice Heating & Air Conditioning, Inc.
Founded by two technicians with 25-plus years between them who wanted to fix the installation quality they kept seeing elsewhere. A Lennox Network Dealer (CSLB 1006824) servicing all makes, with heat pumps, mini-splits, indoor air quality and utility rebate help, across Mission Viejo and eighteen surrounding Orange County communities from Laguna Niguel to Fullerton.
Visit 1st Choice Heating & Air Conditioning, Inc.Thomson Air Conditioning & Heating
AC, heat pumps, furnaces, ductless mini-splits, duct work and indoor air quality for Huntington Beach, Newport Beach, Costa Mesa, Irvine, Seal Beach and Long Beach (CSLB 959811), with maintenance plans that document the visit on video.
Visit Thomson Air Conditioning & HeatingSolar & battery
OC Solar
Solar, Tesla Powerwall and Enphase storage, Tesla Solar Roof and conventional roofing, installed by in-house crews (CSLB 1023627). A Tesla Premier Certified installer and one of twelve companies on Tesla’s national Pro Council, with 1,299 residential projects completed in 2025 across Orange, Los Angeles, Riverside, San Bernardino, Ventura and San Diego counties.
Visit OC SolarInfinity Solar
More than twenty-five years designing custom residential solar and storage in Orange County (CSLB 824287) — Tesla Powerwall certified, an Enphase Platinum installer, a FranklinWH partner and a REC certified installer, with roofing and ongoing maintenance in-house. Serving Orange, Los Angeles, Riverside, San Bernardino and San Diego counties from Orange.
Visit Infinity SolarForme Solar Electric
A licensed C-10 electrical contractor (1066257) with more than a thousand installs on record and a 2025 Top Solar Contractor recognition from Solar Power World. Residential and commercial solar, Tesla Powerwall 3 and Enphase storage, EV chargers, and the panel removal and reinstallation that a re-roof requires — which is where a roofing project and a solar project often turn into one budget. Offices in Irvine, Los Angeles and Rancho Cucamonga.
Visit Forme Solar ElectricKitchen & bath remodeling
APlus Interior Design & Remodeling
A second-generation family business that started in an Orange County garage and now runs its own custom cabinet factory and showroom in Anaheim — CNC machinery, paint rooms, and 3D “screen to machine” modeling so you see the kitchen before it is built. Design-build from space planning through installation, led by a licensed general contractor who is also a certified kitchen designer.
Visit APlus Interior Design & RemodelingSea Pointe Design & Remodel
Nearly forty years of design-build remodeling from a showroom in Irvine (CSLB 665114) — kitchens, baths, whole-home, outdoor living and custom cabinetry, with more than a thousand spaces designed and built in Orange County. Their REVIVE line covers simpler remodels.
Visit Sea Pointe Design & RemodelBuilderwell Design & Build
A licensed, bonded design-build contractor (CSLB 1022234) with more than 1,500 Orange County projects — kitchens and baths, whole-home remodels, ADUs, additions, outdoor living and pools — run from design and permitting through completion.
Visit Builderwell Design & BuildOpen to every trade
Add your company
Listing is free and open to any contractor with a current CSLB license. It does not depend on talking to us or sending customers. Email your company name, license number and website to mcasillas@c2financial.com.
Project pages built for your customers
Real cost bands for Southern California and the Bay Area, and plain explanations of the funding options — useful enough to send a homeowner mid-quote.
Bathroom Remodel
The most common remodel in the county, and the one most often paid for badly.
Learn moreKitchen Remodel
The highest-ticket remodel most homeowners undertake, and the one where financing structure matters most.
Learn moreADU Financing
California’s ADU legislation opened the door. Financing is what decides whether the project happens.
Learn moreRoof, HVAC & Windows
Unplanned, non-deferrable, and almost always arriving at the same time.
Learn morePool & Hardscape
A high-ticket discretionary project, and one where the financing route makes a large difference.
Learn moreEV Charging & Panel
The charger is a thousand-dollar job. The panel behind it is where Orange County quotes jump — and where the financing question starts.
Learn moreQuestions contractors ask
No. There is no enrollment fee, no dealer fee and no volume commitment. Unlike point-of-sale financing, nothing is deducted from your margin or added to your customer’s price. No referral fees are paid in either direction, and a listing never depends on sending business.
No. The directory is free and open to any contractor with a current CSLB license. A listing never depends on sending business. Listings are provided for information only, and no contractor pays for or receives compensation for a listing or referral.
The first check is a soft credit pull, which doesn’t affect their score. A hard inquiry comes later, only if they proceed. Funds are sent after the homeowner signs with a notary and any rescission period ends (three business days on a primary residence), then typically arrive in 2–3 business days.
It depends on the reason, and the decline notice lists the principal reasons. Some can be fixed before reapplying: timing, such as a purchase or title change in the last 90 days; debt-to-income, where eligible debt payoffs or assets may help; or verification that wasn’t finished within 14 days. Others can’t, such as an ineligible property type.