
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, and JobNimbus.

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 single or multi-window replacement, entry and patio door replacement, storm/impact-rated upgrades, and whole-home replacement projects spanning 10 or more openings.
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.
If your sales process is built around closing on the initial in-home visit, financing speed isn't optional — a slow or complicated financing step doesn't just lower conversion, it undermines the entire same-visit sales methodology most of this industry runs on.
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.
Yes. Premium and franchise-branded window programs often carry a meaningfully higher price than a comparable mid-tier product for the same scope of work. Presenting that higher-tier quote as a monthly payment is one of the more effective ways to make the premium option feel achievable, rather than losing the sale to a lower-tier competitor on price alone.
Some flooring installers already offer financing, often through a general home-improvement lender rather than anything flooring-specific. Adding Wisetack costs nothing and takes minutes to set up, and you can run it alongside what you're already using. What tends to bring installers over: a soft credit check instead of a hard pull, a simple flat-fee structure, and financing that's presented right at the point of measurement and quote instead of requiring a separate application process.
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.