HI: Home Improvement Retail Installment Seller – Chapter 520 Part IV, Florida Statutes: Any and all businesses involved in financing home improvements secured by a mortgage or lien on real property require this type of license. This provision applies to a business that directly or indirectly enters into two or more home improvement contracts, each of which is for consideration of $500 or more, in any calendar year. The license is required for a contractor who repairs, remodels or adds improvements to a single family residence pursuant to a written agreement, and when a mortgage lien on the property is retained as security. A home improvement contractor may also need a Retail Installment Seller license for contracts on which there is no mortgage taken as security for the loan.
In addition to the main location license, any subsequent location other than the main office must be filed as a HIB: Home Improvement Finance Seller Branch by way of online.
Click here for licensing fee & required application information.
Maintaining or Renewing License
Filings to maintain, amend and renew the license are completed online via online services.
As a licensee under Chapter 520, Florida Statutes you are required to submit certain notices to the Office pursuant to Chapter 520.999, Florida Statutes. Refer to the statute for more information.
** Above are only some of the requirements of a licensee under Chapter 520, Florida Statutes and Rule 69V-80, Florida Administrative Code. To review all requirements of a licensee, please access
Chapter 520, Florida Statutes and Rule 69V-80, Florida Administrative Code.
OFR-520-01 -- Application for License Under Chapter 520, Florida Statutes OFR-520-02 -- Application for Branch Office License Under Chapter 520, Florida Statutes OFR-520-03 -- Completion Certificate
Statutes and Rules
Chapter 520, Part IV, Florida Statutes - Home Improvement Sales and Finance
Chapter 520, Part V, Florida Statutes - Department Regulation of Sales and Finance
Rule 69V-80, Florida Administrative Code - Home Improvement Sales and Finance