
Most financing tools force sales reps to memorize rate cards, ask about FICO scores, and act like mini-loan officers. Wisetack? None of that.
With Wisetack, customers apply, review personalized options and confirm their purchase through one financing experience connected to your business.
We’re embedded in home services platforms contractors love including Housecall Pro, Jobber, ArcSite, and Contractor Accelerator.

Add a prequal link to you website, estimates and more

No deferred interest or hidden fees, for up to 24 months

Get paid on half the job up front

Offer financing on projects up to $65K
Flat 3.9% MDR on standard transactions12-month 0% promotional plan priced at 6.9% cost to the merchant

Wisetack can be used for a wide range of foundation repair and structural services, including crack repair, slab lifting, pier installation, wall reinforcement, crawl space stabilization, waterproofing, and full-home underpinning. Financing helps homeowners move forward with both smaller repairs and larger structural projects.
Home services businesses can offer financing up to $65,000 while keeping the Wisetack experience simple and merchant-friendly — enough to cover premium, high-efficiency, or bundled system-plus-ductwork projects.
No — checking options with Wisetack is a soft credit check and doesn't impact your customer's score, so homeowners can see what they qualify for even during a same-day no-heat or no-cool emergency.
Federal EIN (Tax ID); information from one or more business owners (25%+ ownership) and executives (if applicable); business bank account verification. No personal credit check is run.
Once the customer confirms, funds are sent within 3 business days directly to the merchant's bank account.
Qualified homeowners can choose from a variety of loan terms, with financing available from 3 to 120 months. Promotional financing options may also be available for eligible borrowers.
No. Wisetack loans have no prepayment penalties, origination fees, or compounding interest, so homeowners can pay off their loan early without additional charges.
Here's what HVAC companies usually tell us when we ask how it's going: Wisetack is easy to get started with, pays out quickly for completed jobs, and is faster for their customers. We measure how many customers would recommend us to a friend, and our score is 79, which is 30+ points higher than other software and financial services companies — and our approval rates stay consistent (around 70% median) rather than swinging with the season.
Most merchants who come to Wisetack are already offering some kind of financing — often a manufacturer-subsidized seasonal promotion or a well-known third-party lender. Adding Wisetack costs nothing and takes minutes to set up, and most merchants run it alongside their existing provider rather than switching everything over at once. What tends to bring merchants over: a simple, transparent fee structure instead of shifting promotional rates, an approval rate that stays consistent around 70% instead of swinging with the season, and pricing plans that don't get deducted from your reps' commission — a common frustration with other providers that can quietly steer reps away from recommending financing at all.
Yes. Wisetack is designed to fit naturally into your good-better-best sales process. Your team can introduce financing during the proposal, homeowners can apply in about a minute, and qualified customers receive financing options quickly — without adding complexity to the sales conversation.
Have even more questions? Contact us. We're always happy to talk.
*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $5,500 purchase could cost $253.54 per month for 24 months, based on a 9.9% APR, or $1,833.33 per month for 3 months, based on a 0% APR. Offers range from 0 to 35.9% APR based on amount requested and creditworthiness. Not all merchants and lending partners participate in 0% interest programs. Terms range from 3 - 120 months and may vary based on merchant, lending partner, or transaction size. State interest rate caps may apply. No prepaid finance charges or participation fees. See additional terms at wisetack.com/faqs.