Starting the Conversation
The best time to bring up financing is early — not as a last resort when price becomes an issue.
The Initial Call or Meeting
Mention financing as one of your available options right from the start. This normalizes it and removes any stigma.
“We work with homeowners in a few different ways — some pay upfront, some use financing, and some do a combination. Whatever works best for you, we can make it happen.”
During the Walk-Through
As you’re assessing the project, casually mention that financing is available for projects like theirs.
“A lot of homeowners finance projects like this — it lets you get the work done now and spread the payments out over time.”
When Presenting the Quote
Include financing as a standard payment option alongside your other terms.
“So for this $18,000 kitchen remodel, you could pay in full, do a 50/50 split, or we can set you up with financing. With financing, you’re looking at around $350–400 a month. Which sounds best for you?”
Removes the “selling” feeling
You’re presenting options, not pushing financing.
Prevents sticker shock
Customers mentally prepare for different payment structures.
Shows you’re flexible
You’re accommodating their situation, not just chasing a sale.
Builds trust
You’re transparent about all their options from the beginning.
What NOT to Do
- Don’t wait until they say “that’s too expensive”
- Don’t frame financing as “if you can’t afford it”
- Don’t apologize for offering it
- Don’t assume who does or doesn’t need financing
Pick the one that feels most natural to you:
Present financing as a normal, common option — not a backup plan. The more comfortable you are with it, the more comfortable your customer will be.
Key Principle
Your financial journey matters to us. We’re always just a message away. 🌱