Self-Serve Training Guide

Start winning bigger jobs in half the time once when you become a Wisetack pro

Get comfortable with Wisetack

You’re all set to offer financing through Wisetack. This guide walks you through everything we would cover in an onboarding call — from learning how to send applications to getting Wisetack on your website and more.
Financing available on jobs between  $500 - $65,000
Your customer selects the plan that works best for them
After the job is complete, you’re paid in 1-3 business days

Learn how to send an application

Head to your software-specific starter guide for step-by-step instructions on how to send a financing application, either through Wisetack’s portal or through the software you use to run your business (if applicable). Then, come back to this page to complete your self-serve training.

Review what your customer sees

Your customer completed their short application on their own device. They pick the option that works best for them, while you skip the hassle of collecting sensitive financial details.All they need to do is enter a few basic details to see their financing options. Watch what each application type looks like for them below.
The prequal application
The financing application
Combined prequal + financing application

Do you send applications through the merchant portal? If so, your customers can turn their prequalified offers into financing applications on their own → see what that flow looks like for them here

Additional verification on larger loans

Why verification happens
For larger financing amounts, our lending partners may ask your customer to verify their identity or provide additional documentation — like a photo of the signed contract or the job itself. This is a standard step to protect both you and your customer on a bigger purchase, not a sign anything is wrong.
What your customer experiences

  • They'll get a notification (in-app and by email) letting them know what's needed

  • Most verification requests ask for a photo ID, proof that work has been completed, a photo of the signed contract, and/or proof of residency

  • Approval itself already happened — verification is part of locking in the offer, not a new credit decision

What you should do

  • Let your customer know upfront that this step is possible on bigger jobs, so it doesn't catch them off guard

  • Check the application status in your portal — "Action required" can mean the customer needs to select an offer, or that they still need to upload a document

  • Don't start the job until the offer is locked in, same as any other job

Your talk track

  • "For a job this size, Wisetack may ask you to confirm your ID or upload a photo of the signed contract — it's quick, and it just keeps everything secure on a bigger purchase."

  • "That verification step doesn't mean anything's wrong — it's normal for larger amounts, and it only takes a few minutes."

Understanding application statuses

Understanding your customer’s financing application statuses helps you know when to follow up and how to keep the job moving forward.
Application status
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

Sharing monthly payment options with your customers

These tools help you make monthly payments part of your normal sales and marketing flow. They help customers understand their options early, which leads to more completed jobs and larger projects.

Add Wisetack to your website and explore the marketing toolkit

Adding Wisetack to your website helps your customers understand the flexible payment options you offer before they even call you.
‍
Clear placement builds trust and reduces hesitation, helping more customers say yes to bigger jobs.

Marketing toolkit
Adding Wisetack to your website helps your customers understand the flexible payment options you offer before they even call you.
‍
Clear placement builds trust and reduces hesitation, helping more customers say yes to bigger jobs.

Marketing toolkit

Sales pitch ideas

When you talk about financing, keep it short and relatable. Focus on convenience and flexibility:
  • “You can pay over time instead of all at once.”
  • “See your options in seconds with no impact on your credit score.”
These conversation starters help customers see financing as a normal part of doing business — not a last resort.

Perfect pitch guide

Estimating with the payment calculator

Think of the payment calculator as your secret sales weapon. It’s the visual tool you need to help prevent sticker shock.
When to use it:
  • During initial sales conversations
  • To help you sell ‘as low as’ monthly payments
Why it helps:
Customers see how affordable their project could be, which makes it easier to say yes. It’s a quick, compliant way to guide the discussion and close the deal.
Think of the payment calculator as your secret sales weapon. It’s the visual tool you need to help prevent sticker shock.
When to use it:
  • During initial sales conversations
  • To help you sell ‘as low as’ monthly payments
Why it helps:
Customers see how affordable their project could be, which makes it easier to say yes. It’s a quick, compliant way to guide the discussion and close the deal.

Prequalification: a sales advantage

Why offer prequalification?

Prequalification lets customers check how much they could qualify for through Wisetack before applying for financing. It takes seconds and has no impact on their credit score.


Knowing how much your customers prequalify for gives you the green light to sell good, better, best options with confidence.  

Use your Prequal Link to sell more jobs

  • Add your Prequal Link to your website
  • Send your Prequal link in texts, quotes, or emails
  • Mention it early in conversations — before the customer gets the final estimate
  • Track the prequal status to see when a customer is ready to move forward
When a customer has prequalified:‍
You’ll get an email with their details. Seize that warm lead and give them a call to discuss their options.
  • Add your Prequal Link to your website
  • Send your Prequal link in texts, quotes, or emails
  • Mention it early in conversations — before the customer gets the final estimate
  • Track the prequal status to see when a customer is ready to move forward
When a customer has prequalified:‍
You’ll get an email with their details. Seize that warm lead and give them a call to discuss their options.

0% APR plans: the competitive edge

Why you should offer 0% APR plans

If you’re not offering an extended interest-free options, you could be missing opportunities to close bigger jobs and keep customers from choosing a competitor.

Learn more about our 0% APR offers, and select the plan that’s right for you.

Breaking down the fees

Even with higher fees on jobs closed using extended interest-free plans, businesses see better results overall. These plans attract more customers, help close larger jobs, and keep your schedule full — making the small added cost well worth it.
Even with higher fees on jobs closed using extended interest-free plans, businesses see better results overall. These plans attract more customers, help close larger jobs, and keep your schedule full — making the small added cost well worth it.

Give your team Wisetack access

Applicable only if you send financing applications through Wisetack’s portal.
Empower your team to send applications and follow up on action items by adding them to the Wisetack portal.
Get a detailed look at all the user role types and access levels here.
Still have questions? Schedule a 1:1 call
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