Financing

Financing For Home Improvement Through Renovate America

Renovate America is on a mission to help homeowners across the country make their homes more beautiful, comfortable, and efficient by offering innovative financing solutions like HERO and Benji.

  • HERO offers an innovative financing solution for home efficiency upgrades, with payments made long with your property taxes.
  • Benji offers simple, flexible financing for almost any home improvement, with competitive rates, flexible plans, and special financing options.

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HERO Financing

HERO financing from Renovate America is the nation’s largest PACE (Property Assessed Clean Energy) financing provider. It provides homeowners access to innovative financing for energy-efficient, water-conserving¹, renewable energy and hurricane protection² home improvements, which can help lower your utility bills, and may increase your property value. Approvals are primarily based on the equity in your home and debt payment history rather than your credit score, and the interest on your payments may be tax deductible.∗

  • No Money Down
  • 100% Financing, up to approved amount
  • Not primarily based on credit score **
  • Interest may be tax deductible*

  • Flexible term lengths
  • Competitive, fixed interest rates
  • Paid along with your property taxes*


¹ Only available in California
² Only available in Florida
∗ Please contact your tax advisor to determine if you may be eligible for tax benefits.
∗∗ HERO approvals are based on home equity, product eligibility, household income, and other criteria.

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Benji Financing

Start your “someday” projects today with Benji: flexible financing for almost any home improvement. ModernGeneralContractor can help you get approved for a competitive, fixed rate so you can get started right away.

  • From $2,000 to $50,000
  • No-interest, no-payment special financing plans¹
  • No home equity needed for eligibility

  • No money down
  • Competitive, fixed rates
  • Multiple term options


¹ No payments are required during the promotional period following project completion. Thereafter, substantially equal monthly payments are required for the remainder of the financing term until the unpaid balance of the amount financed is paid in full. Interest will accrue during the promotional period, but will be waived if the amount financed is paid in full prior to the expiration of the promotional period. Special financing options may be offered by participating contractors. Not available in some states.

Learn More With These Videos


How Renovate America’s HERO Financing Works for Energy Efficiency Home Renovations


How Renovate America’s HERO Financing Works: Getting Your Windows Replaced



Financing Solutions with Renovate America


Renovate America is not responsible for the performance of your upgrades or the savings you may achieve. Performance and cost of your product are the sole responsibility of ModernGeneralContractor. Renovate America does not endorse and is not responsible for the information provided by ModernGeneralContractor. ModernGeneralContractor is not a Renovate America company. Any potential savings depend on the products you choose, the location and size of your home, your usage and other factors. HERO and Benji are registered trademarks of Renovate America.