How It Works

FortiFi offers homeowners $0 down, non-credit score based financing for the property improvement projects on your wish list

For Property Owners

FortiFi offers a quick approval process, flexible payment terms, and access to FortiFi approved contractors the property owner selects.

  • $0 down financing
  • Competitive, fixed rates with long repayment terms (up to 30 years1)
  • No payments for up to 17 months
  • Repay over time as part of your property taxes
  • Interest on payments may be tax deductible2

1 Term depends on the useful life of the product(s) installed and property location.
2 Consult your tax advisor to see if you qualify for potential tax benefits.

FortiFi financing is a no-hassle way to pay for upgrades that make your property more energy-efficient and resilient.


Apply online or by phone. No application fee or minimum credit score requirements.


Upon approval, complete and e-sign your financing documents.


Start your project. We pay the contractor when you’re satisfied.

Hundreds of Eligible Improvements

Save Energy

  • High-Efficiency Heating & Cooling
  • Windows, Doors & Skylights
  • High-Performance Roofing & Siding
  • High-Efficiency Water Heating
  • Attic, Wall & Underfloor Insulation
  • Air Sealing & Ventilation
  • High-Efficiency Indoor & Outdoor Lighting

Generate Power

  • Solar Panels & Inverters
  • Solar Water & Pool Heaters
  • Wind Power Generators
  • Microturbines
  • Internal Combustion Engines
  • Stationary Fuel Cells
  • Electric Vehicle Charging Stations

Conserve Water

  • Drought-Tolerant Landscaping & Artificial Turf
  • High-Efficiency Pool Equipment
  • High-Efficiency Toilets, Showers & Faucets
  • Drip Irrigation Systems
  • Greywater Systems
  • Blackwater Treatment Systems
  • Rainwater Harvesting Systems

Build Protection

  • High-Impact Windows & Doors
  • Roof-to-Wall Reinforcement
  • Storm Shutters & Garage Doors
  • Wind-Resistant Roofing
  • Fire-Resistant Roofing
  • Seismic Retrofits
  • Foundation Strengthening

"I was not aware of FortiFi’s PACE financing until hearing about it from a friend. The rates are great, and the process was very simple! Our goal is to make our home more energy-efficient, and FortiFi has made this possible. We will definitely be using FortiFi again for our next energy-efficiency project. It’s been an all-around pleasant experience."

Julian & Ana, Granada Hills, California

For Contractors

FortiFi makes home and commercial upgrades easy and affordable for property owners, which helps qualified contractors do more business.

  • Free enrollment for eligible contractors
  • Easy-to-use online portal for simplified project tracking
  • In-home application approvals
  • Access to training, sales tools, and marketing materials
  • Helpful support team available 6 days a week
  • Fast funding (within 48 hours of verification of project completion)