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Conversion · Financing
Third-party deferred-payment plans through an Alberta-licensed lending partner. 6-month interest-free, or 12 / 24-month fixed-rate terms. Soft-credit pre-qualification in 60 seconds at the quote stage — no impact on your credit score. Full project total stays the same; the financing splits it into monthly payments that work with your budget.
Three plan structures — pick the term that fits
The 6-month interest-free promotional plan works for projects $1,500-$15,000 where you can pay the full balance within half a year — no interest charged if paid by the promotional end date, and no prepayment penalty if you pay it off in 3 months instead of 6. Common use: spring chinook prep bundle plus deck restoration on a single visit, split across the summer. The 12-month fixed-rate plan adds interest (rate varies by credit profile, disclosed before you sign) and spreads the payment across a full year. Common use: full-envelope cleaning plus driveway recovery plus fence restoration for properties needing more recovery work than fits a 6-month repayment. The 24-month fixed-rate plan handles larger projects (typically $5,000-$25,000) — Air Ranch estate full-property cleaning, multi-property HOA contract upfront payment, commercial deferred-maintenance catch-up where one visit brings the property back from years of neglect. Pair this page with specials for bundle discounts that lower the financed amount, and maintenance program for ongoing services that may be a better fit than upfront financed work.
How financing flows alongside your quote
Form notes field or to the estimator on the phone. The estimator confirms the project fits the $1,500 minimum and outlines plan options before the on-site visit.
60-second soft-credit check through the lending partner portal — no impact on credit score. You see approximate rate and monthly payment options on the spot.
Formal application via the partner portal — driver's licence + proof of income upload. Decision and signed plan documents back within one business day.
Funded project slots into Hartford's existing route calendar. Lender pays Hartford on completion; you pay the lender per the plan terms.
What financing is — and isn't
Hartford does not extend credit directly — the financing flows through an Alberta-licensed lending partner that specialises in home-services financing. The practical effect: Hartford gets paid in full on project completion (so we're not carrying receivables and the crew gets paid on schedule), you get to spread the payment across 6-24 months at terms you saw and agreed to before signing. What this isn't: a payment plan where you pay Hartford monthly. We don't offer that. The lending partner is the counterparty for the monthly payments; Hartford is the service provider. The two are separate contractually — defaulting on the lender doesn't affect your relationship with Hartford, and a dispute with Hartford doesn't get resolved through the lender. The lender has its own customer service for payment questions, due-date adjustments, hardship options. What to watch for: the interest-free 6-month option requires full repayment by the promotional end date — if you don't pay off by then, deferred interest typically applies retroactively (the rate and terms are in the plan documents you sign). Read the plan, confirm the math, ask the lender questions before signing. The financing is a tool — useful when the timing works, expensive when used wrong. Pair this page with free quote to start the process and contact for any direct questions.
Projects most commonly financed
Larger packages where 6-24 month repayment fits the household or commercial budget better than upfront payment.
Strip-sand-stain on cedar or pressure-treated decks. Typical $2,500-$6,000.
Learn moreAir Ranch and Drake Landing common. Typical $3,000-$8,000 with sealing.
Learn moreMulti-year neglect recovery on building exterior + lot. Typical $5,000-$25,000.
Learn moreLarger lot + outbuildings + extensive fence. Typical $2,000-$5,000.
Learn more12-month plan covers 2 visits + add-ons. Typical $1,500-$3,000.
Learn moreAnnual or biennial whole-complex wash for strata and HOA boards. Typical $5,000-$25,000 financed across the board fiscal year.
Learn moreFinancing questions
Five questions about plan structure, minimums, credit, stacking with specials and decision speed.
Calgary clients who financed
Air Ranch estate clean came in at $4,200. 12-month plan, $360/month, transparent rate. Hartford explained the lender side too — no surprises. Project completed two weeks after the soft pre-qualification.
Spring bundle plus deck staining, $2,800 total after the 15% discount. 6-month interest-free, paid it off in 4 months, zero deferred interest because I tracked the promotional end date. Worked exactly as described.
Multi-year deferred-maintenance recovery on our small commercial building — $11,500 across building wash, parking lot, dumpster pad, gutters. 24-month plan made it manageable for the cashflow. Property looks like new.
Pre-qualification took 45 seconds. Approval back same afternoon. Honestly easier than financing a mattress. Project started 9 days after I first submitted the quote form.
Quote first, financing decision second
Submit the quote form, get the on-site visit and written quote, then decide whether to pay upfront or finance. Pre-qualification happens at the visit if you want it. No commitment to financing at the quote stage.
Projects $1,500+ residential, $5,000+ commercial qualify for financing. Soft-credit pre-qualification at the visit, no impact on score.