You’ve seen it a hundred times. You walk the job, write a solid estimate, and the homeowner says, “Let us think about it.” Then they go quiet. Usually it isn’t your price or your work. It’s that a $22,000 number feels impossible when it’s a lump sum.
Change that number to a monthly payment and the conversation changes with it.
Why financing closes more jobs
Most homeowners don’t have five figures sitting in savings for a new roof or HVAC system. When you only offer cash or card, you’re asking them to solve a financing problem on their own. Many won’t, or they’ll go with the cheapest bid to make it work.
When you bring financing to the table, you:
- Close on the first visit. A pre-qualified customer can say yes today instead of shopping you around.
- Sell the right job, not the cheapest one. It’s easier to recommend the better system or full replacement when it’s $250 a month instead of $25,000 upfront.
- Reduce cancellations. Customers who know their payment up front are less likely to back out before the job starts.
- Stand out from competitors. Many small and mid-size contractors still don’t offer financing. You become the easy choice.
What contractors worry about, and why it’s easier than you think
Plenty of trade owners avoid financing because they’ve heard horror stories: dealer fees that eat the margin, slow funding, clunky paperwork, or being on the hook if the customer defaults.
Here’s how TGUC Financial addresses each one:
|
Common concern |
How TGUC handles it |
|---|---|
|
“I’ll wait weeks to get paid” |
Projects can be funded in as little as 24 hours, and you’re paid directly on job completion |
|
“If the customer doesn’t pay, I’m stuck” |
You’re paid in full; TGUC and its lending partners handle the financing |
|
“It’ll hurt my customer’s credit” |
Pre-qualification has no impact on credit scores |
|
“My customers need big projects covered” |
Loans up to $100,000 with terms up to 15 years and fixed rates |
|
“It’s too complicated” |
Quote, apply and close financing in minutes from one platform |
More than financing: leads and savings
TGUC contractors also get access to homeowners who are already looking for financing on a project. These leads come in pre-qualified, so you’re talking to people ready to move. During the current early-access period, there are no upfront lead fees.
Network members also get Lowe’s partner benefits to save time and money on materials.
Real results from the trades
More than 20,000 contractors use the TGUC network. Contractors using TGUC report revenue growth of up to 36%, along with more deals sold and fewer cancellations.
One contractor in Miami put it simply: leads that are already approved for financing are easier to close.
How to get started
- Enroll your business on the TGUC platform.
- Offer financing on every estimate. Customers pre-qualify online in minutes.
- Customers pick an offer from multiple options.
- Do the work and get paid directly when the job is complete.
Financing isn’t just for big national brands anymore. Any licensed, insured contractor can offer it, and the ones who do are closing the jobs everyone else is losing.
CTA: Join the TGUC contractor network and start offering financing on your next estimate.