You have more big jobs than you think

‍Most contractors think they land a handful of jobs over $25,000 a year. Usually there are more than that sitting in the pipeline. They just never get priced that big, because financing doesn’t come up until a customer is already hesitating, if it comes up at all.

Here’s what that looks like in the two trades where big jobs are common.

Roofing: the size was decided before you ever said a number

A roof replacement on a small home with asphalt shingles can land under $10,000¹. A full tear-off on a home over 2,500 square feet, or a switch to metal, tile, or slate, regularly runs $15,000 to $30,000 or more¹ — before you’ve even priced in a steep pitch or decking repair. The size of that job isn’t a surprise on estimate day. It gets decided the moment you finish measuring the roof. Bring up financing at that point, not after you’ve already said the number out loud.

Pool & spa: the size question answers itself

The average inground pool costs around $66,000². Even a modest vinyl pool starts near $20,000 before decking, heating, or hardscape get added. Nobody needs to guess whether a pool build clears $25,000 — it almost always does. The question isn’t whether financing belongs in the conversation. It’s whether you bring it up before the customer starts pricing the job against two other builders.

Pre-qualify before you price it, and try it over text

Once you know a job is likely to land above $10,000, text a pre-qualification link before you hand over the number. It costs the customer nothing to check, and checking to see if they have offers does not impact their credit score. A lot of contractors are finding it lands better by text than email right now — it’s the kind of message people actually open on a job site, instead of one that sits in an inbox until after they’ve called around.

Say the price and the plan in the same sentence

The single biggest shift is timing. Instead of “your total comes to $34,000” followed by silence, it’s “your total comes to $34,000, and here’s how most people handle a job this size” — then straight into the monthly amount. The price and the plan should never arrive separately. (Read how a top seller pitches it.)

You already have more of these than you think

The great news is none of this requires being a better closer. It only means assuming the bigger job is already sitting in your pipeline, not something you have to go find.

Wisetack now covers financing up to $65,000 for contractors who qualify, so the roofs and pools that used to be too big for pay-over-time don’t have to be split across two lenders or handed to someone else. The next big quote you write is a test of whether financing is part of the pitch or an afterthought. Make it the first thing you say, not the last.