You send a prequalification link (optional).
Your customer sees the maximum amount they’re approved to finance and reviews their options.
Financing for General Contractors that moves faster than a home equity loan
A kitchen or bathroom remodel is a five-figure decision homeowners often assume means a HELOC and a multi-week wait. Give them a monthly payment option they can see in minutes instead.
Trusted by home service businesses across the country
4.8/5 stars
4.6/5 stars
85%
of customers give
Wisetack a 9 or 10 out of 10
Wisetack a 9 or 10 out of 10
based on 45,516 NPS surveys
Help homeowners start sooner than a HELOC would let them
Typical Project
Instead of saying…
Cosmetic refresh (cabinet refacing, fixtures)
$5,000–$15,000
Bathroom remodel
$12,000–$25,000
Kitchen remodel
$25,000–$80,000
Combined kitchen + bath / larger scope
$40,000–$100,000+
Show financing from…"As low as $XXX/mo"
Why merchants choose Wisetack for kitchen & bath remodels
Close jobs without becoming a loan expert
Most financing tools force sales reps to memorize rate cards, ask about FICO scores, and act like mini-loan officers. Wisetack? None of that.
Offer a consistent financing experience
With Wisetack, customers apply, review personalized options and confirm their purchase through one financing experience connected to your business.
30+ live SaaS platform integrations
We’re embedded in home services platforms contractors love including Housecall Pro, Jobber, and JobNimbus.
We make offering financing easy
Prequalify customers
Add a prequal link to you website, estimates and more
True 0% financing
No deferred interest or hidden fees, for up to 24 months
Accept multiple payments
Get paid on half the job up front
Support big ticket jobs
Offer financing on projects up to $65K
Want a simpler way to offer financing?
See how they do it
See how Wisetack is helping residential contractors optimize financing and grow their business
Eagle Quality Construction wanted to make remodeling services more affordable
70%+
more jobs closed with Wisetack
Customers are often surprised. Normally, customers think they have to go through a bank, which is a slow process. This is very easy and simple for them.
Langley Roofing chose Wisetack over other financing companies
4 hours
how long it took to implement Wisetack
From the very beginning, there was heavy training and we’ve gotten really good support whenever we needed it.
How it works
It’s easy for both you and your customer.
Estimate price
Agree on price
You send an application link.
Your customer applies and locks in their offer by selecting and accepting their preferred terms.
Your customer applies and locks in their offer by selecting and accepting their preferred terms.
Complete work
You do the work.
Once complete, your customer confirms the job is done.
Once complete, your customer confirms the job is done.
Receive payment
You receive the funds via bank transfer, which will land in your account within 1-3 business days, depending on your bank.
What to expect when you offer financing with Wisetack
Wisetack covers large and small jobs. Financing available from $500 – $65,000 on terms from 3 to 120 months*.
For your business
Seamless experience. Offer financing with the click of a button, with less training time for your design consultants.
Flat per transaction fee. No set up or subscription cost. Predictable costs for your business.
Marketing and sales tools. Get more leads with a prequal link and close the deal with interest-free options.
For your customer
Options to fit their needs. APRs as low as 0% for eligible customers and up to 8 monthly payment options to choose from.
Fast and easy. See options in under a minute, and checking eligibility doesn't impact their credit score.
No hidden fees. No prepayment penalties, origination fees, compounding interest, or any other surprises.
Transparent terms for home services businesses
Flat 3.9% MDR on standard transactions12-month 0% promotional plan priced at 6.9% cost to the merchant
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I really really really like your service... your guys' platform is probably one of the best financing platforms in my 16 years of service that I've ever dealt with; the easiness, the approvals, the pay, I mean for real, I can't say enough great things about Wisetack — that's how awesome you guys are! You don't normally hear that when dealing with a financing company.”
Howard Eastmond, Eastmond Home Services LLC
Having Wisetack fully integrated within Housecall Pro makes EVERY job that much easier to close! Especially those that are more costly.”
Kevin Welter, Welter Home Services
Easy to setup on our end as a business, our first client to use Wisetack to finance their project did so with ease, and our rep is extremely personable and knowledgeable of our industry. Praise where praise is due!!!”
Maddie Cothran, Kingdom Custom Construction
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Sell more and bigger jobs with Wisetack
Frequently asked questions
What kitchen and bathroom remodel projects can be financed?
How much can homeowners finance?
Does checking my customer's eligibility with Wisetack affect their credit score?
What do we need to sign up?
How long does it take to get paid?
Can financing be applied to a single invoice rather than the whole project?
What financing options are available to homeowners?
Are there any hidden fees or prepayment penalties?
How is Wisetack different from a HELOC or cash-out refinance?
Is Wisetack easy for my team to use?
Why should my remodeling business offer financing?
We already send clients to a HELOC or our bank's preferred lender. Why add Wisetack?
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.
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