Absolutely. ACE was built for real homeowners — not perfect credit scores. If traditional lenders have turned you away, we’re the lender that looks beyond the usual checklist. Poor credit alone won’t disqualify you — we specialize in approvals that others overlook.

If you’re a homeowner and others have said no, we’re likely your best shot at getting approved. ACE focuses on real-world situations — not just what’s on paper. We’ve built our process to approve borrowers that traditional lenders ignore.

Yes. All ACE loans are fully open and can be paid off at any time — without penalty, fees, or fine print.

ACE funds a wide range of essential home upgrades — especially those that improve your home’s comfort, energy efficiency, or air quality. Commonly financed projects include:

• Heating and cooling systems (furnaces, central A/C, heat pumps)

• Water heaters (tank or tankless) - Whole-home water filtration or softener systems

• Air purifiers that connect to your existing ductwork

• Energy Star–rated windows

• Backup generators - Solar panels and battery storage systems

If the upgrade is fixed to your home and designed to make it healthier, safer, or more efficient, there's a strong chance we can help fund it. Still unsure? Send us the details — we’ll review your project and let you know quickly.

If you ever run into trouble making a payment, reach out to us right away. Our customer care team will work with you to find a solution. We want you to succeed — not fall behind.

Most applications are reviewed the same day, and we pay your contractor directly once approved

Yes. Every ACE loan is fully reported to Canada’s major credit bureaus, so your on-time payments can help improve your credit over time. Many of our customers see their scores

climb steadily just by staying on track with their monthly payments. We’re not just here to fund your upgrade — we’re here to help you move forward financially too.