Optimus Financing makes it easier for us to offer affordable financing to customers like you. Optimus was developed by EIGA for every home improvement and HVAC contractor to allow them to quickly help customers get to the right lending or leasing products. With Optimus, we can get more approvals, especially for credit-challenged customers, by first doing a "soft credit pull." This determines what programs you have the best chance to qualify for and get the best rates, virtually eliminating the need for multiple applications. There will only be a hard pull once you complete the application for the selected lender. This means that there is no risk for you to see what lenders or programs you're best suited for. Optimums eliminates the "NO" and gets you to "YES" quickly!