Financing Integration
A homeowner staring at an $8K water-heater quote at their kitchen table has three options: write a check, pull out a credit card, or apply for financing. The third option is the one that closes the job — but only if applying takes 60 seconds, not 20 minutes of paperwork.
The Plumbing Snapshot ships with one-tap financing baked into every quote PDF.
How it works on the tech’s side
- Tech builds the quote on the tablet
- Quote PDF auto-includes an “Apply for Financing” button
- Homeowner taps the button on their phone
- Pre-filled application opens (name + property address pre-populated from the customer record)
- Homeowner answers 4 questions, submits
- Approval / rate / terms returned in 30–90 seconds
- Tech sees the approval, closes the job
Financing partners pre-wired
- GreenSky — strong for $5K–$55K jobs, fast approvals
- Synchrony — broad consumer credit, deferred-interest promos
- Wisetack — flexible for $1K–$25K jobs, simple terms
Additional partners (Service Finance Company, FTL Finance, EnerBank) can be added during your 30 hours of dedicated support.
Why this is the close move
The biggest psychological barrier in residential plumbing is price shock — the homeowner stares at $8K and freezes. Financing reframes it as $159/month, which they can compare to their current Netflix and Starbucks spend. The decision becomes: “Can I afford $159/month for hot water?” Yes, almost always.
Close rates on $5K+ jobs jump 2× when financing is presented at the table vs “we accept financing, ask us.”
Compliance
We display the APR + terms + fees on every financing offer per the Truth in Lending Act. We don’t pre-fill SSN or DOB — homeowner enters those on the application. We don’t store financing decision data — that flows directly from the financing partner to the homeowner.