More jobs closed
Larger average tickets
Credit approval time
Approval rate
Adjust job size to see payment options
$1250
per month
6 months @ 0% APR
$656
per month
12 months @ 5.99% APR
$343
per month
24 months @ 8.99% APR
$238
per month
36 months @ 10.99% APR
Customer sees this and thinks:
"I can afford $343/month!"
vs feeling overwhelmed by $7,500 lump sum
Extra Monthly Revenue
$22,500
$270,000 extra per year
❌ WITHOUT FINANCING
Customer says 'Let me think about it' (never calls back)
✓ WITH FINANCING
Customer pays $235/month, books immediately
❌ WITHOUT FINANCING
Customer chooses cheapest repair instead
✓ WITH FINANCING
Customer upgrades to full system for $333/month
❌ WITHOUT FINANCING
Customer waits until tax refund
✓ WITH FINANCING
Customer finances for $120/month, fixes today
OBJECTION:
"I can't afford $7,500 right now"
YOUR RESPONSE:
"How about $208/month?"
Monthly payments feel affordable vs lump sum
OBJECTION:
"Let me save up for a few months"
YOUR RESPONSE:
"0% interest for 12 months - no reason to wait"
Urgency created by promotional terms
OBJECTION:
"I need to check with my spouse"
YOUR RESPONSE:
"I can send an application you both can review together"
Removes barrier, enables discussion
Customer applies on your tablet or their phone. Soft credit pull, no impact to score. Approval decision in 60 seconds. Multiple lender network for max approvals. Works even with fair credit.
0% interest for 6-12 months. Low APR for 24-60 months. Monthly, bi-weekly, or custom payment schedules. No hidden fees. Customers choose what fits their budget.
Financing company pays you within 2 business days. Full job amount minus small fee. Customer pays financing company over time. Zero risk to your cash flow.
3-minute application. Basic info: name, income, SSN. Take photo of driver's license. E-signature on documents. Funds available immediately after approval.
Connected to 8+ lenders. System finds best match for customer's credit profile. Approves customers other lenders decline. Higher limits for qualified buyers.
Show monthly payment options right in estimate. 'This project is $8,500 or just $235/month'. Customer sees affordability immediately. One-click to apply.
Offer 0% interest as a sales tool. 'No interest for 12 months' converts hesitant buyers. Seasonal promotions (AC season, holiday deals). Build urgency with limited-time offers.
Customers upgrade when financing available. Choose premium vs budget options. Add additional work to project. Say yes to preventative maintenance.
"Adding financing was a game-changer. We went from closing 32% of estimates to 61%. Customers who would've said 'not right now' are saying 'yes' when they see $235/month instead of $8,500. Extra $267,000 in revenue first year."
Robert Martinez
Owner, Martinez HVAC Solutions