Offer Your Customers Monthly Payment Options.
Quick answer: Customer financing lets contractors, trades and dental or medical practices offer customers monthly payment options. You enroll your business; the financing provider pays your business after the customer's financing funds and handles the customer's loan and payments. Approval and timing depend on the provider and program.
Reviewed by the Trifecta Business Group Editorial Team · Updated Nov 5, 2026
A new roof, HVAC system, panel upgrade, implant or treatment plan is a big check for most customers and patients. Give them a monthly payment option on the spot instead of losing the job. The financing provider pays your business, after the customer's financing funds under the program's terms, and handles the customer's loan and payments. Approval and timing depend on the provider and program.
- 1Enroll your business in the financing portal.
- 2Your customer scans your QR code and applies on their phone.
- 3The provider pays your business and collects the customer's payments.
Roofing & siding HVAC Plumbing Electrical Remodeling & general contracting Dental & orthodontics Medical & aesthetic practices
Customer financing is offered, approved and serviced by third-party financing providers. Approval, rates and timing are never guaranteed.
Our borrower standard
Borrower Protection Standards
One advisor, one matched lender
Your file goes to one lender at a time — never broadcast or auctioned.
Never sold to lead lists
Your information and documents are not sold to lead buyers.
No hard credit pull to explore
No hard credit pull to explore your options.
Commercial only, costs explained
Business-purpose financing; we walk through costs and payoff before you sign.
Give customers a monthly payment option on bigger jobs.
The financing provider handles the customer's loan and collects their payments.
Approval, rates and timing are never guaranteed.
Ask us about current enrollment terms.
How customer financing works
Tell us about your business
Complete the enrollment form and continue to the financing portal. Ask us about current enrollment terms.
Customers review payment options
Customers can scan your custom QR code and apply. Most customers get a decision in seconds to minutes. Some applications need additional review.
Provider handles the financing
The financing provider handles the customer's loan and collects their payments. Approval, rates and timing are never guaranteed.
Your business details
- Business or practice name
- Contact name, email and phone
- Industry and services
- Ask us about current enrollment terms.
Review available options
- Customers scan your custom QR code
- Programs for many different credit profiles
- Some applications need additional review
- Customers review any available offer before accepting
Payment and servicing
- Your business is paid by the financing provider, typically 1 to 3 business days after the customer's financing funds. Timing depends on the program.
- The financing provider handles the customer's loan and collects their payments.
- Some programs offer 0% promotional APR options. Rates depend on the customer's credit and the program.
- Approval, rates and timing are never guaranteed.
Customers may see a soft credit check to view offers; a full credit check may happen if they accept an offer. Approval, rates and timing are never guaranteed.
Give customers a monthly payment option on bigger jobs
Customer financing gives customers a way to review monthly payment options for larger purchases. Availability depends on the customer and the program. Approval, rates and timing are never guaranteed.
Offer monthly payment options
Some programs offer 0% promotional APR options. Rates depend on the customer's credit and the program.
Payment from the financing provider
Your business is paid by the financing provider, after the customer's financing funds, under the program's terms. Payment timing is not guaranteed.
Customer application and review
Customers scan a custom QR code on their phone and complete an application. Some applications need additional review. Decision timing is not guaranteed. Customers may see a soft credit check to view offers; a full credit check may happen if they accept an offer.
What your quote looks like as a monthly payment
Drag to your typical job size. Show the homeowner a monthly number instead of a lump sum.
Illustration only. Actual rates, terms, approval, provider fees and payout timing are set by the financing provider and vary by customer.
Custom Built for Your Industry
Customer financing may offer monthly payment options for the services below. Eligibility and availability depend on the customer and the program.
Financing for Your Business
Need money for your own business, too?
Need cash for your own trucks, tools or machines?
That is financing for your business, separate from your customers' payment plans.
Waiting 30 to 60 days on business customers?
Invoice factoring turns unpaid business invoices into cash. Your customer's payment history matters most.
Payroll or materials before the job pays?
Working capital or a line of credit can cover the gap between buying and getting paid.
Business financing is separate from customer payment programs. Commercial financing only; approval is never guaranteed.
Questions first? Talk to an advisor
Questions, Answered
The financing provider handles the customer's loan and collects their payments.
Programs for many different credit profiles. Customers may see a soft credit check to view offers; a full credit check may happen if they accept an offer. Approval, rates and timing are never guaranteed. Credit score guide →
Enroll through the affiliate portal, or use the advisor-contact form if you have questions first. Ask us about current enrollment terms. Setup requirements vary by program. How fast funding works →
Offer payment options for larger purchases
Enroll your business in the customer financing portal so your next customer can review monthly payment options right at the kitchen table.
Prefer to talk it through? Call 1.877.977.3015