EnerBank USA has built its business over the last 15 years by financing home improvement projects nationwide over the phone. It is now looking to disrupt itself with a homegrown app.

In January the $1.25 billion-asset industrial loan company rolled out a mobile app it built that allows its home contractor clients to offer homeowners a near-instant credit decision to finance a home improvement project by inputting financial information into an app on the contractor's phone or tablet. It also rolled out a web-based version of the product. So far, about 2,000 of its customers have downloaded the app and it expects that eventually half of its loans will be originated this way.

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