CORE FEATURES

Consumer Financing

A homeowner wants the $14,800 system replacement but doesn't have $14,800 in their checking account. Without financing, they either say no, go with a cheaper option, or "think about it" for 3 months. With one-click financing embedded directly in your proposal, the answer is "$89/month? Let's do it." Close the big ticket today.

Close bigger deals →
homepro.ai / financing / offers / live
Financed This Wk
$24K
6 deals closed
Approval Rate
94%
Instant decisions
Avg Loan Size
$8,400
Install jobs
OFFERPresenting 18-mo 0% APR to Johnson household
APPVCredit decision: APPROVED in 2.1 seconds
FUND$8,400 deposited. Paperwork complete ✓
62%
Higher avg ticket
30s
Approval time
$89
Monthly for $14.8K system
0%
Risk to you
Operational Blueprint

Instant Purchase Power.

The difference between a "No" and a "Yes" is often just a monthly payment option. HomePro embeds a high-fidelity financing engine directly into every proposal.

Proposal
Autonomous Payout Calculation
The system identifies the job total and autonomously calculates the monthly payment for all financing tiers. It embeds these options directly under each G/B/B proposal.
Application
Frictionless Soft Credit Pull
Homeowner taps "Apply." The system performs an autonomous soft credit pull via Wisetack or GreenSky. It identifies the best lender match without affecting their credit score.
Approval
Instant Waterfall Orchestration
If the primary lender declines, the system autonomously waterfall-routes the application to secondary providers, maximizing the chance of approval within 30 seconds.
Funding
Autonomous Settlement Sync
Once the job is marked complete, the system autonomously triggers the funding request. You get paid in full within 24 hours, while the customer pays monthly.
Financing Intelligence Log
PROP Quote #8821: Calculating monthly options for $14,800 total.
APPL Homeowner (T. Wilson) initiated application. Soft pull ACTIVE.
WTRF [MATCH] Lender A declined. Routing to Lender B (Wisetack).
APRV SUCCESS: Approved for $15,000 @ 8.9% APR ($89/mo).
SYNC Financing locked. Tech (Mike) notified to proceed.
FUND Queuing funding request for Job Completion (T + 0).
Approval Rate: 82% / Avg Time to Fund: 18hrs
Financing Maturity

Paper Applications vs. Instant Digital Financing.

Traditional Financing
  • Techs fumbling with paper apps or separate portals.
  • Hard credit pulls that scare off potential customers.
  • Waiting 24–48 hours for a financing decision.
  • Manual reconciliation of funded jobs in the office.
The HomePro Financing Engine
  • Embedded, one-click application inside the proposal.
  • Soft credit pulls that don't affect the customer's score.
  • Instant, 30-second approvals with waterfall logic.
  • Autonomous funding and accounting sync.

Embedded in Proposals

The financing option appears directly inside your Good/Better/Best proposal. "Option C: $14,800 or $89/month for 60 months." The homeowner taps to apply without leaving the page.

30-Second Approval

Wisetack, GreenSky, or Synchrony runs a soft credit check in the background. The homeowner gets approved (or not) in 30 seconds. No paperwork. No waiting for a callback.

You Get Paid in Full

The financing company pays you the full job amount within 1–3 business days. The homeowner pays the financing company monthly. You take zero credit risk.

Upsell Lever

When the homeowner hesitates on the "Best" option, the tech says "with financing, the difference is only $22/month more." That's how you move from a $6K repair to a $14K replacement.

Multiple Providers

Wisetack, GreenSky, Synchrony, and Service Finance — all integrated natively. If one provider declines, the system waterfall-routes to the next. Maximum approval rates.

Remote Approval

If the decision-maker isn't home, send the financing application via text link. They apply from their phone, get approved, and sign — without the tech having to make a second visit.

How It Works

How HomePro financing works.

01
Auto-Show
Present

Financing options appear automatically on every estimate above the threshold—no tech has to remember to offer it.

02
Instant
Apply

Customer applies on their phone in under 3 minutes. Approval or decision returned in under 60 seconds.

03
Fund
Collect

Approved jobs booked instantly. Dealer fee auto-calculated. You collect the full ticket amount upfront.

04
Recover
Follow Up

Declined applicants queued automatically for re-marketing—often rebook within 30 days.

Offer Rate
100%
of qualifying estimates shown financing—vs. 41% when left to techs to remember
Approval Rate
74%
same-day financing approval rate for presented applicants
Ticket Lift
+$1,800
average increase in ticket value on financed jobs vs. cash only
Declined Recovery
28%
of initially declined applicants rebook within 30 days with AI re-marketing
Owner Voices

What trades owners actually say.

"Techs used to forget to offer financing. Now it's automatic. Our average ticket is up $1,600."
D
Darren P.
HVAC Owner · Dallas, TX
"The approval rate is incredible. 3 out of 4 customers who apply get approved on the spot."
J
Jasmine L.
Electrical Founder · Atlanta, GA

The difference between a $6K repair and a $15K replacement is a monthly payment option.

HomePro embeds one-click financing directly in your proposals so homeowners can say yes to the big ticket today.

Close bigger deals →