Feature
Consumer Financing in trades software
In-app financing offers (such as Wisetack, GreenSky or Sunbit) for big-ticket repairs and installations.
Quick summary
- What it is: In-app financing offers (such as Wisetack, GreenSky or Sunbit) for big-ticket repairs and installations.
- Tools that list it: 3 of the 127 in our directory
What is consumer financing in trades software?
Consumer financing integrations let customers pay for large repairs and installations in monthly payments instead of all at once. Fuller implementations show financing options inside the quote with a short application and a quick decision, and the lender pays you. It matters for large jobs such as HVAC system replacements, roofs, panel upgrades and remodels.
Why consumer financing matters
Offering a monthly payment at the moment of decision gives a customer with a large bill another option besides putting the job off. Ask each financing partner for its approval terms and merchant fees before you count on it.
How to evaluate consumer financing when buying
The fullest implementations show the monthly payment inside the quote, so the customer can apply without leaving it. Ask each platform which lenders it supports, whether the application happens inside the quote, and who pays the lender's fee. Check lender restrictions too: Wisetack financing through Jobber requires a US business and excludes pool and spa, residential and commercial cleaning, window washing and snow removal businesses.
Tools that list consumer financing (3)
Tools that name it among their key features in our data. Key-feature names are not standardised across tools, so a tool can offer consumer financing without being listed here; check its review.
| Tool | Starting price | Best for |
|---|---|---|
| Housecall Pro | From $59/mo | Home service businesses that want payments, consumer financing, online booking and review requests built into one platform |
| Leap | From $79/mo | Exteriors and remodeling contractors (roofing, siding, windows, painting) that sell in the home and want a CRM plus a field sales-and-proposal app with built-in financing |
| Sera Systems | From $399/mo | Small-to-medium HVAC/plumbing/electrical shops wanting modern UX and published pricing without ServiceTitan's complexity |
Related features
Related trade pages
Frequently asked questions
Which financing providers do FSM platforms integrate with?
Examples from our data: Housecall Pro, Jobber, Contractor+, PaintScout, RealGreen, SmartMoving and Floorzap offer Wisetack; ServiceTitan works with GreenSky, Financeit and Service Finance; FieldEdge with GreenSky and the Optimus marketplace; AccuLynx with GreenSky; Workiz and Skimmer with Sunbit; and Service Fusion and JobTread with Acorn Finance. Check which lenders your platform supports before you choose.
How much do financing providers charge the contractor?
Financing programs can charge the contractor a merchant fee, also called a dealer fee, on each financed job, deducted from your payout, and the fee can rise for longer or promotional zero-interest terms. Ask each lender for its fee schedule before you offer it.
Can I offer multiple financing options?
Some platforms work with more than one lender; ServiceTitan, for example, lists GreenSky, Financeit and Service Finance. Lenders approve different credit profiles, so a second option can help a customer the first one declines. Ask which lenders your platform supports and whether customers can compare offers in one application.
Browse more features
See the full list of trades software features and which tools list them.
All features →