Best Customer Financing Tools 2027: 7 Picks for Remodelers

The short answer: choose the fee model before the brand

A customer financing tool is a lender program that lets a homeowner pay for a project over time while the contractor gets paid. For a remodeler, the cost that matters most is often what the lender or software charges the contractor, not only the homeowner's rate. Most options fall into three models: a dealer-fee lender network, a per-transaction fee inside software you already run, or a flat annual membership that says it charges no per-loan dealer fee. Pick the model first, then compare vendors inside it. Projected homeowner remodeling spending: $522 billion according to RISMedia (2026), which reports that Harvard's Joint Center for Housing Studies expects that level, with growth slowing. Slower growth makes each closed job's margin matter more.

TL;DR: If you run ServiceTitan, price Service Finance Company first, but get its dealer fee in writing, because the integration carries no added setup charge and the lender's fee is a separate number. If you want a per-transaction fee you can model before the job, Wisetack publishes 3.9% on standard interest-bearing plans. If you want a fixed annual cost, Enhancify's plans run from $1,249 a year, and you should still confirm the lender terms behind them.

Key Takeaways

• A dealer fee, also called a merchant fee, is what a lender charges the contractor for offering its loan. The lender sets it by product, so promotional plans usually cost more.

• Wisetack's comparison page publishes a 3.9% merchant fee on standard interest-bearing plans, but it states no fee for 0% promotional plans.

• Service Finance's ServiceTitan integration carries no added setup or integration charge, but the lender's own dealer fee is a separate number you need in writing.

• Enhancify's plan page lists three annual plans from $1,249 to $4,999, and its home page says it charges no per-loan dealer fees.

• The GreenSky and Service Finance dealer-fee ranges we found come from 2022 and 2018 rate sheets, so treat them as history until a current sheet arrives.

• Hearth, Synchrony, and current GreenSky and Service Finance fees are quote-based on the pages we opened, so the only way to compare them is a sales call and a written fee schedule.

How we evaluated these tools

This is an informed buyer's guide built from public vendor pages, trade press, a law-firm analysis, and an accounting developer reference. We did not run these products, and the weights below are our judgment about what matters most to a small remodeling owner. When a figure comes from a competitor's comparison page, we name that page and its date, and we do not present it as the vendor's own price.

Two rules sit outside the weights. A vendor that will not put its contractor fee schedule in writing is out for any decision that depends on margin. We also left out Financeit, because ServiceTitan's help page says Service Finance is US-only and points Canadian accounts to Financeit, and we could not confirm current US state coverage for Financeit. Affirm's merchant pricing page returned a not-found error, so we left it out as well.

Who this is for

This guide is for an owner or operations lead at a small remodeling or construction business who is choosing between two or three financing tools this quarter. It is less useful if your customers pay cash or card only, or if one lender your customers already accept covers most of your financed work.

Red flags: the vendor will not show a contractor fee schedule before a sales call; the tool cannot show the status of an application after submission; or the only public price is a demo request and nobody can state the fee per funded job.

Decision checklist before you pick

• Ask for the contractor fee on each plan in writing, including any 0% promotional plan.

• Ask which states the lender funds in, and whether your state's disclosure rules apply.

• Ask how an Under Review or Counter Offer decision reaches your job record, and who reviews it.

• Ask for every setup, monthly, and per-loan charge, separately from the fee schedule.

• Run the fee math on your average financed ticket, not the vendor's example.

Feature matrix: what each vendor publishes

This matrix covers only what each vendor's own page showed when we read it. "Not published" means the item was not on the page we opened, not that the vendor has no such fee.

Wisetack is the one dealer-style option with a current published contractor number. The lender networks show either an older rate sheet or nothing, and that gap is what to close before you sign.

Pricing and cost comparison

Pricing checked October 28, 2026. Each figure below comes from a vendor page we opened or, where the row says so, from a competitor's guide that quotes a dated lender rate sheet.

Wisetack merchant fee: 3.9% on standard interest-bearing plans according to Wisetack (2026). The same page says there are no prepaid finance charges or participation fees. It does not state a fee for 0% promotions, and it says not all merchants take part in its 0% programs.

GreenSky true 0% dealer fee: 11.5%–18.5% in 2022 according to Hearth (2022). That range quotes GreenSky's September 2022 rate sheet in a competitor's guide, which gives standard installment fees of 0%–2.75%. Treat it as history and ask GreenSky for its current sheet.

Service Finance's dealer fee is older still. A Hearth comparison quotes a Service Finance rate sheet dated 8/26/2018 that lists 10.25%–24.00% for $0-down 0% promotional plans, according to Hearth (2018 rate sheet). Ask Service Finance for the current sheet before you assume that range still holds.

Enhancify annual plans: $1,249 to $4,999 a year according to Enhancify (2026). The plan page lists no setup fee or 0% financing fee for these plans, which is not the same as saying none exists.

QuoteIQ's monthly plans run from $29.99 to $699.99, according to QuoteIQ (page checked 2026). Its page says processing fees are separate from the subscription.

Worked example (illustrative, not a customer case): take a $12,000 kitchen refresh financed at the 3.9% Wisetack rate above. That is $468 in merchant fees per funded job (12,000 × 0.039 = 468). Two such jobs a year cost $936, and four cost $1,872. The Professional Growth plan on Enhancify costs $1,749 a year, so the per-transaction fee passes the membership cost somewhere between three and four financed jobs, if the loan terms were equal, which this guide did not verify. On the books side, a bookkeeper who records the funded amount as a payment against the matching QuickBooks Online invoice can confirm that Invoice.Balance reaches zero, since Intuit describes the field as "the balance reflecting any payments made against the transaction" (Intuit SDK reference).

The comparison is illustrative. The two models use different lenders and loan terms, so the membership figure is a cost line, not a like-for-like price. Use the table to answer the question that usually decides it: how many financed jobs do you close in a year?

Vendor profiles

Hearth

Best fit: a remodeler who wants a flat annual subscription with access to several lenders, and who will take a sales call for numbers. Hearth's pricing page says its financing marketplace has "18+ lenders, $0 dealer fees." Its Pro, Pro + Harper, and Enterprise tiers show only a demo request instead of an amount. Limitations: the zero-dealer-fee claim is the vendor's own, and no dollar amounts are public. A vendor fee guide also says steeper promotions carry steeper lender fees, so ask whether the zero-fee claim covers promotional plans. Implementation: request a demo, then ask which lenders sit in the marketplace and what each lender's written terms are.

Wisetack

Best fit: a remodeler who wants a published per-transaction fee to model before quoting. Wisetack's comparison page describes its fee as "3.9% on interest-bearing options for standard plans" and lists "No prepaid finance charges or participation fees." The same page says there are "no hidden fees, such as prepayment fees or compounding interest." Limitations: the page we opened states no fee for 0% promotional plans and no setup or subscription fee, so ask about both in writing before you quote a 0% offer. Implementation: confirm which software and payment flow Wisetack connects to, because we did not verify a list of integrations.

GreenSky

Best fit: a remodeler whose customers already ask for a GreenSky loan, or who is willing to work with a dealer-fee lender network if its rate sheet fits the bid. GreenSky's own site describes GreenSky Servicing as a financial technology company that manages its consumer loan program, and says GreenSky is not a lender. Ownership has changed: a Sixth Street-led group of institutional investors, including KKR, Bayview Asset Management, and CardWorks, acquired GreenSky from Goldman Sachs, according to Pulse2 (March 17, 2024). The report says the deal also deepened GreenSky's relationship with Synovus Bank. Limitations: the dealer-fee data we found dates from 2022, and the GreenSky pages we opened do not publish current merchant fees. Implementation: merchant enrollment runs through the site's "Offer Financing" path and a merchant portal, so ask for the current rate sheet and the lender's written terms before you sign.

Service Finance Company

Best fit: a remodeler already running ServiceTitan who wants loan options inside the job flow. ServiceTitan's help page says contractors pay "only the normal fees associated with using ServiceTitan and Service Finance" and that there are "no additional fees or setup charges for the integration," according to ServiceTitan (page checked 2026). Service Finance describes itself as a nationally licensed sales finance company offering more than fifty financing options. Limitations: the integration is US-only, and Canadian accounts are pointed to Financeit. Technicians see up to six plans, plans below their minimum are greyed out, and a counter offer typically means a lower amount at a higher rate. Decisions are Approved, Declined, Under Review, or Counter Offer, and the page does not describe a status tracker or a way to download signed documents inside ServiceTitan. Implementation: account setup must be sponsored through ServiceTitan, and an existing standalone account cannot be used. The dealer fee is a separate question, and the only figure we found is the 2018 sheet quoted above, so get the current sheet.

Enhancify

Best fit: a remodeler who wants a fixed annual cost, no per-loan dealer fee, and a calculator and 0% promotional offers in one membership. Enhancify's home page says it charges no per-loan dealer fees. Its plan page lists the Self-Service, Professional Growth, and Concierge plans, and those names differ from the Starter, Professional, and Freedom levels on the home page, so confirm which name you are buying. Limitations: the plan page does not say which tier includes which extras, such as the funding specialist or additional user profiles. Third-party comparison pages list setup and 0% add-on fees, but we did not find them on Enhancify's own pages, so this guide does not state them. Implementation: ask who handles onboarding and which lenders back each 0% offer, and get those answers in writing.

Synchrony

Best fit: a remodeler whose customers want longer repayment terms and who is comfortable with a program whose dealer terms are not published. Synchrony homeowner terms: 6 to 132 months according to Synchrony (page checked 2026). The same page says offers are subject to credit approval and that the financing is accepted at thousands of contractor locations nationwide. Limitations: the page does not disclose a merchant or dealer fee, and its homeowner footnote says to "See dealer for details and additional financing offers." Implementation: start through Synchrony Business or the Contractor Toolbox, and request dealer terms in writing before you quote a promotion.

QuoteIQ

Best fit: a remodeler who wants quoting, invoicing, and payment acceptance in one tool and can route financing through a Stripe or Whop account. The page says financing is "provided through your payment processor, not by QuoteIQ." Limitations: it is software rather than a lender, and it publishes no per-transaction rate, with processing fees charged separately. The page also shows a popup that says "No free trial — billed in full at checkout," which conflicts with a trial statement elsewhere, so read the terms before you sign up. Implementation: connect Stripe or Whop first, then check which financing methods your account actually offers.

What happens after a customer says yes

The pain is rarely the approval. It is the handoff. A loan can come back Approved, Counter Offer, or Under Review, and that status has to reach the estimate, the job, and the bookkeeper. ServiceTitan's page says approved and counter-offer loans can be used immediately, but it does not describe a status tracker, so the office may be re-keying decisions from the lender's side.

A proposed workflow from US Tech Automations would start with a trigger: a financing decision of Under Review or Counter Offer is written to the job, through an export or API feed from the lender tool. The action creates a task for a named office coordinator and drafts a homeowner message in the job notes for review, not for sending. The output is one status line on the job and a due date on the coordinator's list. Prerequisites are a status export or API access from the financing tool, which the ServiceTitan page we opened does not describe for status, and a written rule that the coordinator reviews every counter-offer amount before anything reaches the homeowner. The workflow would not quote rates or approve loans.

A second proposed workflow covers the books. The trigger is a lender funding notice for a job. The action is a bookkeeper-approved entry that records the funded amount as a payment against the matching invoice in the accounting system, followed by a read-back of the invoice balance. The output is an exception list for any invoice whose balance has not reached zero after funding. Prerequisites are accounting API access, a stable mapping from each job number to its invoice, and a sandbox run before live data. A human reviews every write during the first cycles, and the bookkeeper owns the exception list. This is a design on paper, with no measured results in this guide.

Zapier, Make, n8n, or building in-house

The realistic alternative for many owners is a stitched workflow in Zapier, Make, or n8n, or a script built in-house. Those tools can support run histories, retries, error branches, and audit evidence when you configure them, and a small team can get a working handoff without buying new software. The cost is ownership. You design and maintain the observability that tells you a run failed. You design idempotency, so a retried trigger does not post a second payment. You define escalation, access controls, and who fixes the flow when a lender changes its export. A proposed US Tech Automations design could configure those pieces differently: a single exception queue with named approvers, a decision log kept per job, and a written escalation path for counter offers. Its prerequisites are the same export or API access described above, plus one internal owner. Its review points are the coordinator's approval of counter-offer terms, the bookkeeper's approval of accounting writes, and a periodic check that any fee assumption matches the lender's current rate sheet.

Frequently asked questions

When NOT to use US Tech Automations: skip a custom workflow if you close only a few financed jobs a year and the lender's own portal already shows every decision. Skip it if your software already moves approved loans onto the invoice without re-keying, because the extra layer adds an approval step you then have to maintain. And skip it if one dealer-fee lender your customers already accept covers nearly all your financed work, since a simpler product can beat any workflow built around it.

Is there one best customer financing tool for remodelers?

No single tool wins for every remodeler. The fee model, the software you already run, and your typical financed ticket decide the cost, so pick those first and then compare vendors inside the winning model.

Who pays the dealer fee?

The contractor pays it to the lender. One vendor fee guide says lender agreements commonly bar a separate line item for the fee, so contractors typically build it into the bid. California's SB 784 would require home improvement lenders to give oral and written dealer-fee disclosures before a consumer signs, and according to Mayer Brown (2025), the Senate-passed version would take effect January 1, 2026 if enacted without amendment. Check its current status before you rely on it.

Do flat-fee memberships avoid dealer fees?

They can avoid per-loan dealer fees, but they do not remove the lender's terms. Enhancify's home page says it charges no per-loan dealer fees, and Hearth's pricing page claims $0 dealer fees for its marketplace. Neither page shows the lender's rate on a promotional plan, so get that in writing before you assume the homeowner's rate is the same across options.

Can I offer financing inside ServiceTitan?

Yes, in the United States, through Service Finance. Account setup must be sponsored through ServiceTitan, and loan options are chosen in the Financing settings. Confirm the plan list and the dealer fee before you change your pricing.

What should I ask a vendor in writing?

Ask for the contractor fee on each plan, including 0% promotions, any setup or monthly charge, how Under Review and Counter Offer decisions reach your job record, the states where the loan funds, and who holds the homeowner's account after funding.

Should I build this myself in Zapier, Make, or n8n?

You can, if you own the design. Those tools can keep run histories, retry steps, branch on errors, and store audit evidence when configured. You still own idempotency, escalation, access controls, and the upkeep when a lender changes its export format.

Bottom line

Pick the fee model first. A published per-transaction fee is easy to model, a flat membership pays off only above your break-even volume, and a dealer-fee lender should be judged on its written rate sheet. Get the contractor fee schedule, the 0% promotion rate, and the decision-status path in writing, then run the math on your own closed jobs. If you want to see how the approval-and-invoice handoff could be configured, see how US Tech Automations configures this.