Offering handcrafted financing.
Grow your business with flexible client payment solutions.

Become a Merchant

Financing to get the job done

We pride ourselves on our personal service and hands on approach. When you call us you are guaranteed to talk to a person on our team, all of whom have experience and knowledge of the industry. Every customer application receives our personal attention and is reviewed by an underwriter. We are here to understand your needs and provide you with the best solutions.
Instant automated approvals – 24/7
Around the clock credit decisions
Up to the minute application status updates
Funding within 48 hours of job completion
Competitive rates
Flexible financing options
Up to $50,000 financing for a single project
Fully open loans
Mobile friendly online access
Easy-to-complete online applications
Automated documentation
Personalized training and support provided

Become a merchant

Learn how you can grow your business with flexible financing to make your products affordable for your customers!
Apply now

Our new Home Owner Merchant Express portal

Receivables Purchase Plan

Don’t tie up your capital… let us purchase your receivables and increase your cash flow! If you have your own financing program, we can help you turn your receivables into cash with our Receivables Purchase Plan. In addition to freeing up cash flow, our plan will help lower operating costs and eliminate or reduce the following:

Bookkeeping and accounts receivables expenses

Customer payment administration

Billing and collection problems

Give us a call to see if we can build a new opportunity together. 1-888-763-0002.

Home Improvement Program

Build your sales with a financing plan for single major purchases! Our programs offer:
Up to $50,000 for single major purchases
Easy to complete customer applications
Flexible financing options
Instant automated approvals – 24/7
Quick turnaround – funding within 48 hours of job completion
Fully open loans – customer can pay off the balance at any time
We provide staff training and support.
Phone in option – get credit decisions by calling our credit department

Our Home Improvement Programs currently offer financing for the following list of standard products:

  • Furnaces
  • Air Conditioning
  • Waterheaters
  • Flooring
  • Decks & Patios
  • Garages
  • Windows & Doors
  • Patio Construction
  • Room additions
  • Siding
  • Kitchens
  • Roofing
  • Hot Tubs & Pools

If your products are not on our standard list, give us a call to see if we can build a new opportunity together. Contact us at 1-888-763-0002

Home Owner Merchant Express Portal

In addition to providing you with personalized service, Home Trust Retail Credit Services gives you the option of going online to submit applications for an even faster experience!
Log In

The Home Trust Advantage

Our new Home Owner Merchant Express portal can provide:
Instant automated approvals – 24/7
Easy-to-complete online applications with our seamless driver's licence scanning feature
Automated documentation from start to finish with E-Signature option
Compatible on Apple iPad 3 & up and Samsung Galaxy Pro & S tablets

Benefit from the convenience of online access today!

Looking to get started with us? Call 1-888-763-0002 and speak to a representative today.


Contact Details

145 King Street West, Suite 2300, Toronto, Ontario M5H 1J8Tel: 1-877-903-2133 or 416-775-5000Fax: 1-888-470-2092 or

Opening Hours

Monday-Friday09:00 - 18:00
Saturday09:00 - 14:00

Our Story

We offer Canadians a wide range of financial product and service alternatives, including mortgages, Visa cards, deposits and retail credit services.
Learn more