Most tree services don't offer financing. This one built it into everything they do.

Anthony didn’t come from tree care. Before launching DC Tree Cutting at the end of 2022, he spent years building internet startups. So when he stood up a tree service, he brought a question most owners in the industry never think to ask: what if we treated financing like a product feature instead of an afterthought?

Since adding Wisetack, financed jobs have been growing year over year across Eastern North Carolina. 2026 is on pace to outrun 2025 — and the second quarter isn’t even over yet. What makes Anthony’s approach different is how he got there.

Customers were asking him to be the bank

Before Wisetack, customers weren’t just asking about payment plans — they were asking Anthony to hold their debt himself.

"These folks were actually asking me to finance it, asking me to be the bank. As a tree service, it’s just not realistic."

The demand was real. The business model for handling it himself wasn’t. He found Wisetack through Jobber, the field service platform DC Tree already runs on. The integration meant financing lived inside the quoting workflow his team was already using. 

And something unexpected happened: the financing link went on every quote automatically. He’d expected to offer it selectively, only when customers asked.

"We hadn’t anticipated that. It actually turned out to be something that’s converted quite a bit of business."

In his market, financing is the differentiator — and not just for customers who need it

Most tree service operators in Anthony’s market focus on the work itself — not the business infrastructure around it. Only a handful of his competitors offer financing. For the rest, it’s nonexistent. That means on most jobs DC Tree quotes, they’re the only option that comes with a way to pay over time.

But it’s not just winning price-sensitive customers. Roughly one in four customers who choose to finance aren’t doing it because they need help paying.

"It may not be about funds. It almost gives them that peace of mind — a subconscious risk hedge. It’s not as much financial as psychological."

Customers with the cash to pay upfront are choosing financing anyway — a safety net that lets them hold on to their money while the work gets done. That means financing isn’t just a tool for budget-constrained buyers. It’s a tool for every buyer. 

Most contractors never see this pattern because they don’t offer financing consistently enough. Anthony only discovered it because it’s on every quote, every time.

He didn’t just offer financing — he built a content system around it

This is where Anthony’s startup background shows. Most contractors who offer financing put a badge on their website and call it done. Anthony built a dedicated finance page, wrote a blog post walking homeowners through their payment options, and added financing callouts across more than 15 pages of his site.

He tracks analytics closely enough to know what happened next. 

Almost immediately — before Google had even indexed the content — customers who received a quote were clicking back to the website to read the financing information. Others were landing on the site and clicking the financing banner before they ever looked at a service page.

The content isn’t just informing customers. It’s pre-selling them. By the time his team picks up the phone, some customers have already decided financing is how they want to pay.

What other contractors can take from this

DC Tree has generated upwards of $30,000 through Wisetack — and the trajectory is accelerating. There’s no cost to offer financing, no subscription, no risk if a customer doesn’t use it. Ask Anthony how he’d describe it to another business owner:

"It’s an asymmetrical risk return and you don’t find that very often in business."

His approach isn’t complicated. He put financing on every quote, not just the ones where customers asked. He built content around it so customers could educate themselves before picking up the phone. And he watches the data to see what’s working.

The tree care industry is still early when it comes to financing. In most markets, offering it at all sets you apart. Building a system around it — the way Anthony has — puts you ahead of almost everyone else.