Financing works best when it feels like a natural option, not a pitch. Your goal is awareness — make sure customers know it's available so they can decide if it's right for them.
Language That Works
Say "pay over time" or "monthly payments" instead of "financing." It's clearer and less formal.
Simple ways to introduce it:
- "Would you like to pay all at once or pay over time?"
- "We have monthly payment options if that's easier."
- "You can pay by card, bank transfer, or spread it out — whatever works for you."
When to Mention It
- Early is better. Customers are more comfortable considering it when they've known about it from the start — not when they're already hesitating on price.
- On estimates and invoices. Even a note like "Payment plans available" plants the seed.
- When presenting options. Especially if there's a price gap between good/better/best.
- If they hesitate on price. But frame it as information, not a save-the-sale tactic.
Key Points to Communicate
If customers ask questions, here's what matters:
- Quick and easy. Application takes under a minute, decision is instant.
- Checking options won't affect their credit. The initial application uses a soft check. However, if they accept a plan, the provider will do a hard credit check and report the account to credit bureaus.
- 0% interest options may be available. They'll see all available plans — including interest-free options where offered — and choose what fits.
- Doesn't change the service. Same work, same timeline, same quality. Choosing to pay over time won't delay the project.
- You get paid either way. The financing company handles their payments after that.
Important: Let the Customer Apply Themselves
The customer needs to complete the financing application on their own device. Don't fill out the form on their behalf.
The information they provide — personal details, income, etc. — goes directly to the financing provider. You don't see any of it. This keeps their financial information private and ensures the application is between them and the lender.
Your role is to make sure financing is available on the invoice and let them know the option exists. They handle the rest.
What to Avoid
- Don't assume they need it. Offer it as an option, not because you think they can't afford to pay upfront.
- Don't make promises about approval or terms. You don't control the decision. Let the application show them what's available.
- Don't fill out the application for them. They need to do it themselves on their own device.
