EnerBank USA

Strategic Business Partner Solution

EnerBank’s Unbeatable Choice of payment options (featuring Same-As-Cash Loans*) is a proven selling tool that can increase sales for our strategic business partners and their authorized dealers.



Strategic business partners may include: manufacturers, distributors, franchisors, and major retailers of home improvement, remodeling, and energy saving products and services • gas and electric utilities • fuel oil companies • trade associations • and government agencies.

There are many reasons beyond increasing your sales and attracting and retaining key dealer relationships to select EnerBank USA’s Unbeatable Choice of payment options.
  • Certainty - EnerBank will be here tomorrow to fund customer loans, help you achieve your business objectives, and solve problems
  • Branding – You name the program (to increase your brand equity)
  • Control – You determine:
    • Dealer participation based on your objective selection criteria and your dealer’s commitment to employ best practices
    • The eligible improvements and which ones are brand-specific
    • The Unbeatable Choice of payment options available to each dealer
    • The maximum unsecured loan amount up to $45,000
  • Quick, easy, dependable, and secure paperless loan application process
  • Comprehensive reporting
  • No recourse for credit defaults (the bank assumes 100% responsibility)

How can you help your dealers increase sales and grow their businesses?

Did you know that over 50% of all home improvements of $5,000 or more are financed each year – many with Same-As-Cash Loans*.  Successful dealers provide all of their customers with a choice—a Same-As-Cash Loan* and a monthly payment loan**/***.  Then, they let their customers decide.  When their sales reps practice 100% presentation of the Unbeatable Choice of payment options, they can significantly increase sales by:

  • Increasing sales close rates (by selling more projects and controlling the sale)
  • Increasing average job size (by selling more extensive projects or higher quality materials)
  • Guaranteeing their customers have a way to pay for their projects
  • Reducing sales appointment and job cancellations
  • Improving customer satisfaction (with high loan approval rates)

Plus, when your dealers include a reference to a Same-As-Cash Loan* and another Unbeatable Choice payment option in their advertising, they can:

  • Increase the number of sales leads
  • Decrease their cost per lead
Click here to read more.



For more information on how to set-up a program for your dealer network, please call us toll-free or send an email to us today.




Contact Us

Phone: 888-390-1220
  • Option 1: Customer Service for borrowers
  • Option 2: Contractor Support for participating dealers

Phone: 800-262-1655 option 1 For potential independent contractors

Phone: 888-721-2100
For potential strategic business partners


For potential strategic business partners

Bank Headquarters Address:
1245 Brickyard Road, Suite 600
Salt Lake City, UT 84106


Loans provided by EnerBank USA OAC for a limited time. *Repayment terms vary from 15 to 138 months. Borrowers approved for Same-As-Cash loans will pay no interest during the Same-As-Cash period if they re-pay the total amount borrowed on or before the Same-As-Cash date specified in the Note and Disclosure Statement. Borrowers may also qualify for monthly loan payment deferrals during the Same-As-Cash period. 16.99% fixed APR, effective as of October 2013, subject to change. **Repayment terms vary from 60 to 144 months. 2.99%, 4.99%, and 6.99% fixed APR, effective as of October 2013, subject to change. The first monthly payment will be due 30 days after the loan closes. ***Repayment terms vary from 12 to 84 months. The first monthly payment will be due 30 days after the loan closes.

EnerBank USA is a Member FDIC.
EnerBank USA is a wholly owned subsidiary of CMS Energy Corp. (NYSE: CMS)