Customer Financing
Close 30% More High-Ticket Jobs
Offer 'pay over 12 months' directly in your SteadyOps estimates. Customer gets approved instantly, you get paid in full today. No chasing payments.
The old way vs the SteadyOps way
The old way
A homeowner needs a $4,500 AC replacement but cannot pay upfront. They say 'Let me think about it' and call a cheaper competitor. You lose the job — not because of quality, but because you could not offer a payment option. Big repairs mean lost customers.
The SteadyOps way
Your estimate includes a 'Pay over 12 months' button. The customer clicks it, gets approved instantly with a soft credit check, and you get paid in full today. They pay monthly. No awkward conversations. No chasing payments. Close 30% more high-ticket jobs.
How it works
Get started in minutes
Send your estimate as usual
Create an estimate in SteadyOps for any job over your financing threshold. The estimate automatically includes a 'Pay over 12 months' option alongside the full-price option.
Customer sees financing option
The customer opens the estimate and sees: '$4,500 today or $375/mo for 12 months.' They click the financing option and complete a 60-second application.
Instant approval
A soft credit check runs instantly — no impact to the customer's credit score. Most customers are approved in under 30 seconds. Approval rates average 70-80%.
You get paid in full today
Once approved, the full job amount is deposited into your account within 1-2 business days. The financing company handles monthly collection from the customer. Zero risk to you.
Key capabilities
One-click financing on any estimate
Add financing to any estimate with one toggle. Set your own threshold — automatically offer financing on estimates above $1,000, $2,500, or any amount you choose.
Instant customer approval
Soft credit check with no impact to the customer's credit score. Most applications are approved in under 30 seconds. Customers know immediately if they qualify.
You get paid in full immediately
The full job amount is deposited into your account within 1-2 business days. No waiting for monthly payments. No collections risk. You get your money upfront.
Flexible terms for customers
Offer 0% APR promotional periods, 6-month, 12-month, or 24-month payment plans. Customers choose what works for their budget.
Automatic financing offers
Set a threshold and SteadyOps automatically adds financing options to every estimate above that amount. No extra clicks, no forgetting to offer it.
Financing conversion tracking
See how many estimates include financing, how many customers choose it, and the revenue impact. Track which job types benefit most from payment plans.
Real-world scenario
See it in action
The scenario
Your average AC replacement costs $4,500 and your close rate is 55%. You enable financing on all estimates over $2,000. Customers who previously said 'let me think about it' now see '$375/mo for 12 months' and approve on the spot.
The result
Close rate jumps from 55% to 72% on AC replacements. Over the season, that is 34 additional AC replacements — roughly $153,000 in revenue you would have lost. You get paid in full on every single one.
Customer Financing is included in every paid plan
No add-on fees. No per-feature pricing. Customer Financing is part of the SteadyOps platform starting at $49/mo.
Frequently asked questions
There is a small merchant fee per financed transaction, similar to credit card processing fees. The exact rate depends on the financing terms offered. Most contractors find the fee pays for itself many times over in increased close rates.
You have zero risk. You are paid in full upfront. The financing company handles all collections and assumes all default risk. The customer's payment status has no impact on your revenue.
No. The initial check is a soft inquiry that does not impact the customer's credit score. A hard inquiry only occurs if the customer accepts the financing terms and proceeds.
Yes. Send the estimate from your phone on-site. The customer can apply for financing right there on their phone. You will know in 30 seconds if they are approved — before you leave the property.
Try Customer Financing free for 7 days
No credit card. No contracts. No per-user fees. Start using Customer Financing in under 5 minutes.