Bigger jobs, paid faster: Bizzen now offers customer financing with Wisetack. Your customers can spread the cost of a project over time - and you still get paid right after the work is done, without leaving Bizzen. Bizzen·October 15, 2026 Bizzen, Inc. started Bizzen to take the busywork out of running your business, so you can spend less time on paperwork and more time on the work itself. Today Bizzen, Inc. is adding something its customers have been asking for: a built-in way to offer your customers financing. Bizzen, Inc. has partnered with Wisetack to bring pay-over-time financing directly into the estimates and invoices you already send through Bizzen. Why this matters. Every contractor has watched a good lead go quiet the moment the number lands. The work is needed, the quote is fair - but a few thousand dollars up front is a lot to ask all at once, and the job stalls or shrinks. That hesitation isn't really about you; it's about timing and budget. Financing gives your customer a way to move forward now and pay for it in a way that fits their month, instead of walking away or asking you to cut corners on price. What it means for your business. When financing is on the table, more of your estimates turn into booked work, and the jobs that do close tend to be larger, because the full scope suddenly feels doable to the customer. Just as important, the money side stays simple on your end: you're paid shortly after the job wraps, typically within 1-3 business days, while Wisetack facilitates the customer's payment plan through one of its lending partners. There are no setup or annual fees to turn it on - you pay industry-low rates per financed transaction, in the same ballpark as card processing. What it means for your customers. Applying takes a couple of minutes, right from their phone, with no paperwork and no phone call required. Checking what they qualify for is a soft pull, so it won't affect their credit score to look. If they're approved, they'll see up to six plan options and can pick the monthly payment that works for their budget, with terms ranging from 3 to 120 months and APRs from 0% to 35.9% depending on the amount and their credit.[*] It's a low-pressure, transparent way to say yes to the project they actually want. How it works inside Bizzen. There's nothing new to learn. Once financing is switched on, a monthly-payment option shows up automatically on qualifying estimates and invoices you send over $500. Your customer sees it right alongside the total, taps to check their options, and chooses a plan. You keep working the way you already do in Bizzen; the financing just rides along. Getting started. Customer financing with Wisetack is rolling out to Bizzen accounts now. You can turn it on from your settings page. If you'd like a hand, just contact Bizzen, Inc. and Bizzen, Inc.'ll get you set up. Bizzen, Inc. think this is a real unlock for the pros who run their business on Bizzen, and Bizzen, Inc. is glad to be doing it with the Wisetack team.

What does financing cost an HVAC contractor? Most point-of-sale lenders charge the contractor a fee on each financed job, usually called a dealer or merchant fee. The fee typically rises as the promotion gets more generous to the homeowner. Published examples: Housecall Pro lists Wisetack financing at 3.9%, with 0% APR add-ons from 4.9% for 6 months up to 9.9% for 24 months. A 2020 EGIA GreenSky rate sheet showed fees from 0.5% to 17.5% depending on program, including 6.8% for a 12-month no-interest plan. Rates change and vary by program, so check your own lender. As an illustrative example, a 9.9% fee on a $10,000 system is $990. If your net margin on that job is 15%, the fee takes about two thirds of your profit unless it is priced in. Most shops either build an average fee into all system pricing or price financed jobs separately where their lender and state rules allow. Read what is a dealer fee before you pick an approach, and run your numbers with the markup and margin calculator. Which HVAC software shows monthly payments on estimates? Several field service tools already do this, and it is fair to say so. ServiceTitan integrates Service Finance, GreenSky, Wisetack and others and shows financing on estimates and in the tech app; the integration is free and the contractor pays each lender's dealer fees. Jobber offers Wisetack financing at a 3.9% flat merchant fee on jobs from $500 to $65,000, shown as an "as low as" amount on quotes (not on the Lite plan). Housecall Pro offers Wisetack too. For a full side by side, see contractor financing programs compared. Revcore is building homeowner financing now. It is coming soon, not live yet, and it will be included on every Revcore plan when it launches. The plan is to put the monthly payment inside the in-home presentation on the iPad, where the comfort advisor walks the homeowner through the options, and on every estimate package. The homeowner applies from the estimate on their phone, with 0% promotional plans (12, 18 and 24 months) and longer fixed-rate terms expected, and funding status shows on the job. You can see the financing preview. What is live today: Good/Better/Best estimates, the interactive in-home presentation with e-signature and a deposit at signing, card and ACH payments with Margin Protection, text-to-pay invoices, scheduling and dispatch for getting the install on the board, and automations that follow up on unsold estimates. For the full install sales process, see the HVAC install sales process that wins. Frequently asked questions. Should HVAC companies offer financing?+ Yes, on replacements and failed-system calls. Angi puts a typical replacement at $5,000 to $12,500, and many homeowners cannot pay that from savings on short notice, especially in an emergency. Show a monthly payment next to each option so the homeowner can choose, and price the lender's fee into your pricing. How much is a new HVAC system per month?+ How much does HVAC replacement cost in 2026?+ How do you sell HVAC financing on an emergency call?+ What does HVAC financing cost the contractor?+