Become a Smart Financing Provider

Fast, affordable financing for home energy projects

Become a preferred Smart Financing service provider and offer your customers quick, affordable solutions for their home energy needs.

Smart Financing enables you to offer your customers easy, affordable financing for their home energy needs.

Competitive rates

While most financial institutions have very strict lending guidelines, we are willing to work with even your credit-challenged customers.

The Benefits of Smart Financing


Fast credit approval

Your customers are making decisions in the moment. With faster approvals, you can close the deal swiftly and get paid quickly! 

Anyone can apply

Your customer does not have to be an Alabama Power customer to apply for Smart Financing. We only require the project address be in the state of Alabama.

Trusted name

Alabama Power has been a trusted name and company since 1906. We have a history of stability and security both with customers and service providers.

“I understand the difficulties you and your customers face when it comes to financing your services. Smart Financing can help you get paid faster and provide immediate solutions for your customers.”

Jill Tice, Program Coordinator, Alabama Power

Become a Smart Financing Provider 

If you’re a home service provider and want to offer your customers quick, affordable solutions for their home energy needs, become a preferred Smart Financing provider. It’s easy to sign up, and you’ll enjoy faster approvals and payments! 

Frequently Asked Questions

Q: What is the minimum amount to qualify for Smart Financing?

A: $2,000

Q: What is the maximum amount to qualify for Smart Financing?

A: $25,000

Q: What products and services qualify for Smart Financing?

A: Heat pumps (geothermal, electric, dual fuel)

Gas furnace with AC (replacement ONLY)

Electric water heaters

Energy efficiency improvements (insulation, air barriers, windows/doors, attic ventilation, sunscreen products)

Air quality (humidity control, air cleaners, duct cleaning)

Standby generators (natural gas fueled, propane fueled, diesel fueled)

Roofing (new roof, roof repair)

Plumbing (well pump)

Electrical (smart home/security equipment, electric vehicle charging installation, electrical panel upgrade)

Outdoor (pool pump)

Q: Is Smart Financing only available to Alabama Power customers?

A: No. Smart Financing is available to anyone as long as the project address is in the state of Alabama. 

Q: Can the customer apply for financing before they have received an estimate?

A: No, since the application must be initiated from a service provider’s app, the customer will need to contact you to apply for financing.

Q: Can the customer apply with a co-applicant?

A: Yes.

Q: Is there a paper option for Smart Financing?

A: Smart Financing is fully digital, so you can save on time as well as paper and printing costs.

Q: How can I check the status of a customer’s financing agreement?

A: The designated administrator for your account will have access to all of your financing agreements and can check the status of those agreements at any time.

Q: Who do I contact if I have further questions?

A: For questions, contact a Smart Financing Specialist at 1-888-44-SMART.

Copyright © Alabama Power 2019