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CUSTOMER FINANCING · BUILT INTO EVERY ESTIMATE

"$2,315" says no.
"$64 a month" says yes.

Every estimate over your threshold shows monthly payment options automatically. The customer applies from their phone, gets a decision in seconds, and you're funded at completion — the lender carries the risk, not you.

Reserve early accessTry the calculator ↓
What's the ticket?
$2,315
PROMO · 12 MO
$193/MO
12 months · 0% APR
TOTAL COST$2,315
YOUR FEE5.9% · $137
STANDARD · 36 MO
$75/MO
36 months · 9.99% APR
TOTAL COST$2,689
YOUR FEE3.9% · $90
EXTENDED · 60 MO
$51/MO
60 months · 11.99% APR
TOTAL COST$3,089
YOUR FEE2.9% · $67
ILLUSTRATIVE RATES · ACTUAL OFFERS DEPEND ON CREDIT & LENDER1

1 Thorbis is not a lender. Financing offered through third-party lending partners; approval, rates, terms, and merchant fees depend on applicant credit.

SECONDS
TO A DECISION
SOFT PULL
PRE-QUAL NEVER DINGS CREDIT
DAY OF
YOU'RE FUNDED AT COMPLETION
01 · FROM ESTIMATE TO FUNDED

Nobody at your shop touches an application.

01
Estimate sent

Financing options appear automatically above your threshold.

02
Customer applies

From their phone, right on the estimate — soft credit pull only.

03
Decision in seconds

Approved, declined, or a counter-offer — no waiting on a rep.

04
Job proceeds

Signed and scheduled like any other estimate — nothing changes for the crew.

05
You're funded

Paid in full at completion, minus the published merchant fee.

thorbis · invoicingLIVE
The Thorbis invoicing workspace — where estimates carry their financing options straight through to the invoice
02 · WHERE THE OFFER LIVES

Right on the estimate she already has.

No separate app, no "ask your sales rep." The monthly option sits beside "pay in full" on the same screen — because the moment someone is deciding whether to say yes is the only moment that matters.

THRESHOLDSet the dollar amount where financing starts showing — $750 and up is typical.
GOOD-BETTER-BESTMonthly framing makes "Best" look affordable — bigger tickets close more often, not less.
TECH-INITIATEDThe field app can pull up financing mid-visit — the tech never has to say "I don't handle that."
03 · PLANS FOR EVERY TICKET

Promotional and standard terms, side by side.

PLANWHO IT'S FORAPRYOUR FEE
PromotionalSmall repairs, service calls — 0% keeps it simple0%5.9%
StandardMid-size installs and repipes9.99%3.9%
ExtendedBig-ticket replacements — lowest monthly payment11.99%2.9%
Same-as-cash90-day promo — paid off fast, no interest charged0% · 90 DAY4.9%
Every plan is opt-in per estimate — offer one, offer all three, or none.CONFIGURE PER SERVICE TYPE

Stop discounting.
Start financing.

Customer financing is included in the $299/month + usage at cost — set your threshold, pick your plans, and every estimate handles the rest.

Reserve early accessSee Thorbis Money