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How to sell with financing

Financing is not just a payment option. It's a tool to reduce friction in your sales process.

Wisetack gives near-instant access to funds so customers can say "yes" today

Talking in monthly payments can make the cost feel more attractive

Let customers know their buying power early on by prequalifying

Your talk track
“Would you like to pay all at once or over time?”
“Checking your options does not impact your credit.”
“It takes less than 60 seconds to see your options.”
“There are no hidden fees or penalties for paying it off early.”
More pitch TIPS

How to guides

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How it works for your customer

Opens the application sent from you on their device

Enters basic information, like name, address, date of birth, and income

If eligible, sees up to 6 monthly payment options

Selects the option that works best for their budget and signs the documents to lock in their offer

Once the service is completed, returns to the application to confirm

Big news for bigger jobs
Wisetack now goes up to $65K

Closing the sale

Check the status of your apps and know what to do next to close the job.

Check the status of your apps and know what to do next

Status
What this means
Your talk track
Pending
The application is started, but we still need basic info
"It takes less than a minute to add your info and there is no impact to your credit to see your options."
Action required
The customer needs to select an offer. Sometimes they also need to upload an ID or add a debit card.
"Lock in your offer so we can get started with the job. Check your email to see any next steps with Wisetack."
Offer locked
The customer has selected an offer. This is your green light to start the work.
"Let's get your job booked! Once we're done, I'll have you go back into your application to release payment."
Confirmed
The customer has marked the job as completed and released payment.
"Open the application or find your email from Wisetack to see more info about where to make payments.”
Paid
Your company has received payment for the job.
"Thank you for your business!"
Steps 1 to 3 typically take less than a minute

Application status

Know the status of your customer's financing applications so you can take action to close the job.

Status
What this means
Your talk track
Pending
The application is started, but we still need basic info.
Your talk track
"It takes less than a minute to add your info and there is no impact to your credit to see your options."
Action required
The customer needs to select an offer. Sometimes they also need to upload an ID or add a debit card.
Your talk track
"Lock in your offer so we can get started with the job. Check your email to see any next steps with Wisetack."
Offer locked
The customer has selected an offer. This is your green light to start the work.
Your talk track
"Let's get your job booked! Once we're done, I'll have you go back into your application to release payment."
Confirmed
The customer has marked the job as completed and released payment.
Your talk track
"Open the application or find your email from Wisetack to see more info about where to make payments.”
Paid
Wisetack has sent the funds to your business.
Your talk track
"Thank you for your business!"
Steps 1 to 3 typically take less than a minute

Frequently asked questions

Pitching Wisetack

Which rates should I pitch my customers? Where can I find your rate card?

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What’s the benefit of prequalifying customers ahead of time?

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Who can apply for financing through Wisetack? Do they need to be on the home deed? What about joint applications?

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Financing application process

How does my customer access the financing application?

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What information does my customer need to fill out the application?

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What kind of credit does a customer need to be approved by Wisetack?

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How can I check the status of my customer’s application?

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How can I request payment once the job is completed?

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What happens when the cost of the job changes?

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How can I cancel financing or request a refund?

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Customer terms and repayments

Can a customer pay off their financing early?

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How are monthly payments and interest calculated?

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How will customers know where to make their payments?

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*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.