Contractor Financing Widget: Close 40% Larger Jobs
When customers see monthly payments instead of a big total, they say yes to bigger projects. BuildFolio embeds financing options directly in your quotes so customers can afford the job they actually want.
By the BuildFolio Team · Updated: March 1, 2026
TL;DR – Financing That Closes Jobs
Close Faster: Customers see monthly payments on every quote. A $15,000 roof becomes $299/mo, and suddenly it fits their budget. Keep More: 40% larger average job size when financing is an option. No more “let me think about it” on projects they actually want.
Quote Smarter. Close Faster. Keep More.
See the Financing Calculator in Action
Drag the slider to see how monthly payments change. This is what your customers see on every quote.
Drag the slider and click term lengths to explore
How Embedded Financing Works
Quote with Financing
Every quote you send includes monthly payment options. Customers see the big number AND the monthly option.
Customer Chooses
They pick their term length right in the estimate. No separate application, no leaving your quote.
Quick Approval
Soft credit check takes seconds. Most customers get approved instantly for projects up to $100K.
You Get Paid
You receive full payment upfront. The lender handles collections. Zero financing risk for you.
Everything You Need to Close Bigger Jobs
Embedded in Quotes
Financing options appear automatically on every quote. No extra steps, no separate portals. Customers see monthly payments instantly.
Multiple Term Options
36, 60, 84, or 120 month terms. Customers pick what fits their budget. Lower payments = higher approval rates.
Instant Soft Check
No impact on customer credit score. Approval in seconds, not days. Keep momentum while they’re excited about the project.
Full Payment Upfront
You get paid in full when work starts. The lender handles monthly collections. Zero financing risk on your end.
Larger Project Sizes
Customers approve projects 40% larger on average when financing is available. Same close rate, bigger tickets.
Built-in Profit Tracking
See your margin on financed jobs just like any other. Know exactly what you’ll make before you send.
How BuildFolio Financing Compares
We built financing for contractors who want to close bigger jobs without the hassle.
vs GreenSky
Embedded, not separate. Financing appears automatically in your quotes. No portal hopping, no extra steps for customers.
vs Wisetack
Part of your workflow. Financing connects to profit tracking, job management, and invoicing. One system, not three.
vs Bank Loans
Instant approvals. Customers get approved in seconds, not days. Close while they’re still excited.
Financing Widget FAQ
Is contractor financing included in the $39/mo price?
Yes. The financing widget is included in the Pro plan. No extra monthly fees. Lender fees come out of the financed amount, not your pocket.
What credit scores get approved?
Approval rates vary by lender partner, but most customers with 620+ credit scores get approved. Higher scores unlock better rates and longer terms.
How fast do I get paid?
After the customer signs the financing agreement, funds typically arrive within 1-3 business days. You get the full project amount upfront.
What happens if a customer defaults?
That’s between the customer and the lender. You’ve already been paid in full. Zero collection risk for you.
Can I offer promotional rates?
Yes. Some contractors offer to cover the dealer fee on certain promotions to offer 0% APR. This comes out of your margin but can help close competitive bids.
Ready to Close Bigger Jobs?
Embed financing in every quote. Help customers afford the project they actually want. Start free, upgrade when you’re ready.
Start Free TrialRoofers: Get your Free Roof Report to see instant measurements + financing in action.