Offer a monthly payment at the kitchen table.
Homeowner financing is coming to Revcore. Show 0% promotional plans and longer terms right in your presentation, so the bigger job fits the budget and the homeowner can decide tonight.
Coming soon. Included on every plan when it launches.
Most homeowners can't pay for a big job out of pocket.
The objection is rarely the work. It's the lump sum. Here's what the research says, drawn to scale.
was the average home project in 2025, and the big replacements run far higher. Next to any of them, a $400 surprise barely shows.
Angi, January 2026; Angi HVAC cost guide, 2026; Remodeling Cost vs Value 2025. National averages.
of adults couldn't cover a $400 surprise expense with cash, let alone a five-figure job.
Federal Reserve, Economic Well-Being of U.S. Households in 2025 (May 2026).
of homeowners put off a planned home project in 2025. The reasons they gave:
Angi State of Home Spending Pulse, April 2025. Reasons are among those who postponed.
the spend on projects financed through the contractor, compared with cash or card.
Harvard Joint Center for Housing Studies, Improving America's Housing 2019. Average project spend; a correlation, not proof.
Same job. Same rep. Two different nights.
“Let us think about it” is usually about the budget. Switch between the two and watch what a monthly payment does to the conversation.
What the homeowner sees
$13,450
Total, due at completion
Let us think about it
Follow-up one, follow-up two, then quiet. The job goes to whoever made it feel affordable.
Coming soon · try the preview
Try it before it ships.
Pick a job, move the price, tap a plan. Then play the homeowner's side, from the estimate on their phone to signed.
1. Pick a job
3. Pick a package and a plan under the iPad3. Tap a package or a plan on the iPad
That's what your rep and the homeowner see at the table. The payment for each option updates as you go.
Package
Plan
4. Now the homeowner's side
From “that's a lot” to signed, on their own phone.
Revcore · just now
Funded: Castellano roof
$21,860 Preferred, moved to Sold
A preview of a coming feature with example terms and fictional companies. Programs, rates and approval will come from our lending partner, announced at launch.
Built into the pitch, not bolted on.
Most financing lives in a lender's separate portal, or shows up as a line on a quote. Revcore's will live where the decision happens: the presentation and the estimate your rep already uses.
| At the kitchen table | Revcore, built in | A lender's own portal | Payment on the quote only |
|---|---|---|---|
| Monthly payment in the in-home presentation | |||
| Payment shown on every package of the estimate | |||
| Homeowner applies from your estimate, on their phone | |||
| Rep stays in one app at the table | |||
| Funding status on the job, next to the deposit and invoice | Partly | ||
| Included on every plan | Separate lender account | Often plan-gated |
Revcore's column describes financing as it will work at launch.
What a monthly payment could add to your year.
Put in your own numbers. Contractors who offer financing report closing more jobs and bigger ones.
Your business today
What financing changes
Defaults are published by ServiceTitan with Synchrony and Visa (2025 Consumer Trends report, a vendor figure). Move them to your own guess.
What a monthly payment could add to your year
+$688,435
- Jobs a year today
- 144
- Jobs a year with financing
- 161
- Revenue today
- $2,592,000
- Revenue with financing
- $3,280,435
An estimate, not a promise. It leaves out lender fees, which vary by program; ours will be published at launch.
Be first to offer it.
Homeowner financing will be included on every Revcore plan. Join the early access list and we'll let you know the day it launches, with the lending partner and the programs.
Not on Revcore yet? Start a 14-day free trial.
Get early access
For contractors on Revcore, or about to be.
Financing, explained for contractors.
Promo types, dealer fees, what to say at the table and when the lender pays you. Plain guides, with the sources.
Sales13 min read
How to offer financing to customers as a contractor: choosing a program, setting it up and presenting it
A practical guide for home-service contractors: why financing matters, how to pick a program, what dealer fees really cost, how to present monthly payments, and the compliance basics.
Sales11 min read
Does offering financing increase close rates? What the data says, and how to measure it yourself
Vendor studies claim 12% to 18% higher close rates with financing. Here is what neutral data supports, what it does not, and a simple before and after method to measure it in your own shop.
Buying guide12 min read
How much does a new roof cost per month? Payment tables for every common price and term
A $31,871 roof runs about $1,328 a month on a 24 month 0% promo, or about $421 a month over 10 years at 9.99% APR. Here are the tables, and how roofers should show them.
Sales11 min read
Same as cash vs 0% APR vs deferred interest: what homeowners risk and what contractors pay
Three promos that sound alike and work very differently. Here is how each one works, a worked example of retroactive interest, what each costs the contractor, and how to explain them honestly.
Cash flow11 min read
What is a dealer fee? Home improvement financing fees, who pays them and how to price for them
A dealer fee is the percentage a lender keeps from your funding on a financed job. Here are published ranges by program type, who really pays, the rules on passing it on, and worked margin math.
Sales11 min read
How to present financing at the kitchen table: a step sequence and word-for-word scripts for reps
Mention financing early, show a monthly payment next to every option, and never push. Here is the sequence, the exact words, and answers for "we'll pay cash," "we don't want debt" and "what's the catch."
- Contractor financing programs compared: Wisetack, Hearth, GreenSky, Service Finance and software-built financing
- Roof financing for roofing contractors: retail vs insurance jobs, big tickets and the kitchen table
- HVAC financing for contractors: how to sell replacements and emergency changeouts with monthly payments
- When does a contractor get paid on a financed job? Approval, completion sign-off and funding explained
Homeowner financing questions.
Still deciding if Revcore fits your crew? Talk to our team.
Is homeowner financing available in Revcore today?
Not yet. It's coming soon and will be included on every plan when it launches. Join the early access list on this page and we'll tell you the day it's live.
How many homeowners finance home improvement projects?
Fewer than you'd think pay the full amount from savings on big jobs. Harvard's Joint Center for Housing Studies found savings covered 78% of projects under $10,000 but only 54% of projects over $50,000, and only 54% of roofing projects. And 37% of adults couldn't cover a $400 surprise expense with cash (Federal Reserve, 2025).
Does offering financing help contractors close more jobs?
Contractors who offer it report that it does. A 2025 report from ServiceTitan with Synchrony and Visa found 12% higher close rates and 13% higher average tickets for contractors who offer financing (vendor-published figures). Harvard JCHS data shows projects financed through the contractor averaged about twice the spend of cash or card projects.
What's the difference between 0% APR and same-as-cash financing?
A true 0% APR plan charges no interest during the promotional period. A same-as-cash or deferred-interest plan can charge all the interest back if the balance isn't paid off in time. Revcore will show each program's terms plainly so homeowners know which one they're choosing.
Who pays for 0% financing?
Usually the contractor, through a dealer or merchant fee on each financed job, and richer promotions tend to carry bigger fees. We'll publish the fees for each program at launch, so you can price for them.
Who is the lending partner?
We'll announce our lending partner at launch. The programs we're building around are the ones home improvement buyers already know: 0% promotional plans over 12, 18 and 24 months, and longer fixed-rate terms for a lower monthly payment.
Will it cost extra?
Financing will be included on every Revcore plan. Any lender fees and the terms of each program will be spelled out at launch.
How will homeowners apply?
From the presentation or the estimate, on your iPad or their own phone, in a few minutes. Approval and terms come from the lender.
What should I do until it launches?
Keep using your current financing lender. Revcore already takes card and ACH payments and deposits at signing, so the rest of the sale runs in one place today.
