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a leader in consumer financing


Carmel Financial Corporation is an emerging leader among lenders in the United States. The company’s unique financing programs have established it as a dominant fixture in the in-home water treatment industry, and made it a growing force in the home improvement products industry.

Carmel Financial Corporation is committed to "making it possible" for their customers to have the products and services they desire.

Company Overview

Founded in 1967 as a sales and distribution company, Carmel Financial Corporation began simply, with a single $8 payment, according to Carmel Financial Corporation Founder, CEO and Chairman of the Board, Tom Sheehan. The check, he recalls, was the first monthly payment for the sets of encyclopedias he sold door to door through his sales and distribution company, Universal Distributors.

Using his own capital, Sheehan began offering credit for customers of Universal Distributors (which grew to be one of the largest independent distributors of encyclopedias in the United States). However, Sheehan quickly realized there was a need for the same service for other important products.

Now, thousands of customers later, Carmel Financial Corporation is a major, nationwide lender, financing applicants for the purchase of everything from in-home water treatment systems to replacement windows to heating and air units.

Carmel Financial Corporation is an active member of its Central Indiana community. Since 1992, the company’s employees have conducted special events to raise money and other donations for a local food bank. In fact, Carmel Financial Corporation’s more than 80 employees now help to donate more than 50,000 items each year to the charity.




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Contact Us: 800-727-2987
Address:101 E. Carmel Drive, Suite #116 Carmel, IN. 46032

© 2007 Carmel Financial–All rights reserved

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