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Home Improvement Loans Designed for Homeowners with Credit Challenges

If banks turned you down, ACE is built for you. Fast approvals. No rental traps. You own your upgrade.

I'M A HOMEOWNER

I'M A CONTRACTOR

ACE EQUIPMENT FUNDING

Works With Credit-Challenged Homeowners
Built for Canadians with credit challenges
Fully open loans—repay early, penalty-free
You own the equipment outright
Respectful process without judgment
Heating & Cooling Systems
Transparent terms. No hidden tricks.

MOST OTHERS

Reject applicants with less-than-perfect credit
Promote high-cost rental agreements
Trap customers into long, expensive lease
Prioritize paperwork over people

Have Questions? Get in Touch

Empowering Homeowners

ACE Equipment Funding Inc. helps Canadian homeowners who’ve been turned away by banks or traditional lenders secure affordable financing for essential upgrades. If others have declined you, we're built to say yes—responsibly and fast.

Family on Digital Tablet

Flexible Funding That Works For You

Why Choose ACE?

We Specialize in Helping Homeowners Rebuild Their Credit

If your credit history includes setbacks, missed payments, or financial hardship, you’re not alone—and you're exactly who we’re here to help. ACE works with Canadians who’ve been declined elsewhere to fund vital home improvement projects with dignity and respect.

Up To $35,000

for essential home upgrades

12-year Terms

fully open, repay anytime

Same Day Approvals

no waiting, no hassle

Friendly, Confidential Support

no judgment

You Own It

no rental contracts or gotchas

How to get your home improvement loan started

Step 1:

Apply in Minutes

No paperwork. Simple online application.

Step 2:

Get Reviewed

We evaluate your full financial picture, not just your score.

Step 3:

Get Approved

We pay your contractor directly.

No commitment until you're ready!

What Can You Finance?

Furnaces &
HVAC systems
Central air
conditioners
Hot water tanks and water heaters
Water filtration or softener systems
Air purification
systems
Smart thermostats, generators, solar panels, energy star windows, and automation devices
Home Entrance
Our Mission

We exist to give deserving homeowners real options - not just more rejections

HEAR FROM OUR
HAPPY CLIENTS

ACE helped us get a new furnace after two rejections. The process was fast, team was great

Sarah M., Hamilton, ON

The process was really simple and I was approved right away!

Mark Andrews

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