Raises your financing options on the quotes where the lump sum is the obstacle, explains the plans you actually offer, and never advises anybody about credit.
Roof replacement sits in an awkward place financially. It is a five-figure purchase, it is rarely planned for, and unlike a kitchen or a bathroom it produces nothing the homeowner enjoys — it stops water getting in. Homeowners defer it, patch it, and defer it again, and the deferral is almost always about the lump sum rather than about doubting the diagnosis. Contractors know this and most have a financing partner, and most still lose deferred jobs because the financing was mentioned once, in the quote's small print, by somebody who did not want to seem pushy about money. The quote then goes quiet and gets recorded as lost on price. This agent raises financing deliberately on the quotes where the operator's rules say it belongs, at the point in the follow-up where the homeowner has gone quiet. It explains the plans the company actually offers — the terms, an indicative monthly figure at the quoted amount, whether there is a deferred-interest or same-as-cash option — and sends the partner's application link. It stays entirely out of anything resembling credit advice: no estimate of whether somebody will be approved, no questions about credit history, no suggestions about what a household can afford. Those are the lender's business and the homeowner's, in that order.
It raises the option, explains the plans, and sends people to the lender.
Identifies quotes above the operator's threshold where financing is worth raising rather than mentioning on every repair.
Raises it at the point in the follow-up the operator chooses, usually once a quote has gone quiet.
Explains the specific plans the company offers, with terms and an indicative monthly figure at the quoted amount.
Sends the financing partner's own application link, so the application happens where it belongs.
Never estimates approval odds, asks about credit history, or suggests what a household can afford.
Records which quotes had financing raised and what happened, so the effect on close rate is measurable.
A homeowner who says they need to think about it on a nineteen-thousand-dollar roof is usually not disputing the number. They are working out where nineteen thousand dollars comes from, and the answer for most households is that it does not come from anywhere this quarter. Contractors respond to that as though it were a price objection, which produces discounting — and a discount of eight percent does not solve a problem where the obstacle is the whole sum rather than its size. A monthly figure does. Companies that raise financing systematically usually see two effects: more deferred quotes close, and average job values rise, because a homeowner looking at a monthly figure chooses the correct scope more often than the minimum one, taking the full replacement rather than the partial repair that leaves half the roof at the end of its life. The reason it does not happen without a system is entirely social. The estimator who has just told somebody their roof is failing does not want to immediately raise a conversation about borrowing money, and a mention in the quote's footer is not a conversation. An agent raising it three days later, in writing, with the actual plan terms and a monthly figure, removes the awkwardness from the person and gives the homeowner something concrete to react to.
From a quiet quote to a financed roof.
The agent identifies quotes above the operator's set amount, where a monthly figure is the relevant alternative to a lump sum.
At the operator's chosen point, with the actual plans, terms and an indicative monthly figure at the quoted amount.
It sends the partner's own link, tells the office the option was raised, and records the outcome against the quote.
A full replacement instead of half a roof.
Scenario: a roofing contractor quoting around thirty replacements a month was raising financing on perhaps four of them and recording most of the rest as price losses. A homeowner is quoted $21,300 for a full replacement, with an alternative $9,800 partial covering the failing slope only, which the estimator has told her leaves the rest of the roof at roughly the same age. She goes quiet for four days. The agent's follow-up raises financing: it explains the company's partner offers a hundred-and-twenty-month plan, gives the indicative monthly range at the quoted amount, and notes the twelve-month same-as-cash option. She asks whether her credit will be good enough; the agent says plainly that only the lender can answer that, does not ask her anything about her finances, and sends the application link. She is approved and books the full replacement rather than the partial. The company books $21,300 rather than $9,800, and the homeowner does not have the same conversation again in three years. Over the quarter the contractor finds that quotes where financing was raised closed at roughly double the rate, and that the average value of a financed job was materially higher than a cash one - the scope effect rather than the close effect, which nobody had been measuring.
Anyone quoting more than a household has spare.
Cash-flow losses stop being filed as price losses, which changes the response from discounting to financing.
You explain the roof; the borrowing conversation happens separately and later.
Financing is raised on every qualifying quote instead of when somebody remembers.
The follow-up happens without you having to run it between roofs.
A monthly figure is what makes the correct scope affordable rather than the minimum one.
You find out whether financing moves the number and by how much.
It works with your lender and your quoting system.
Holds the quote and its value and receives the outcome.
Serves the same role for companies running Housecall Pro.
Carries the follow-up that raises financing and sends the application link.
Sends the written plan terms where the homeowner prefers email.
Stores the plan terms the explanations are drawn from.
Records which quotes had financing raised and what happened to each.
Tells the office when a homeowner has applied or wants to speak to a person.
Schedules the job once financing is approved and the homeowner accepts.
Where financing changes the job that gets built.
What roofing owners ask before turning this on.
It is an automated assistant that raises the company's financing options on quotes above a set threshold, explains the plans on offer with their terms and an indicative monthly figure, and sends the lender's application link — without offering anything resembling credit advice.
Never. Only the lender can answer that, and it says so. It does not ask about credit history and does not estimate odds.
No. It states the terms and the indicative monthly figure. What is affordable is the homeowner's judgment and not a conversation the contractor should be having.
Those above the operator's threshold. Raising it on a small repair devalues the offer and irritates the customer.
On the lender's own platform through their link. The agent never collects financial information itself.
No. Discounts are an owner's decision and route to a person - and a discount is usually the wrong answer to a lump-sum problem anyway.
Which quotes had financing raised, which applied and which closed, at what value. The average-value effect is usually larger than the close-rate effect and nobody measures it.
Raises your financing options on the quotes where the lump sum is the obstacle, explains the plans you actually offer, and never advises anybody about credit.