Double Your Sales: Why Smart Contractors Win More Jobs by Offering Payment Plans
The Simple Secret Transforming Home Improvement Sales
Most home improvement contractors don’t realize they’re losing jobs simply because they don’t offer financing or aren’t part of a contractor financing program.
Think about it. When homeowners need a new roof, HVAC system, or kitchen remodel, the cost usually ranges between $5,000 and $50,000. That’s a huge ask for anyone to pay in one shot.
You deliver the quote. The homeowner loves your work. Then you hear it: “Let me think about it.”
What they really mean is, I can’t pay all that today.
So they delay, shop around, or settle for a cheaper contractor. You lose the job. They lose out on the upgrade they need.
But when you offer affordable payment plans, that story changes overnight.
How Home Improvement Financing Changes the Game
Picture this: You’ve just walked a homeowner through their dream kitchen renovation. The design is perfect. They’re excited. Then you present the $20,000 price tag, and you watch their face fall.
Sound familiar?
Now imagine a different scenario. Instead of leading with that five-figure number, you say: “Your total investment is $20,000, or we can break that down to about $180 a month with our financing options.”
Which conversation do you think ends with a signed contract?
Home improvement financing makes big projects feel manageable. It shifts the conversation from “too expensive” to “I can afford that.”
Contractors using Improvifi see real results:
- 30% to 50% higher close rates
- 25% to 35% larger average project size
- Faster payments and improved cash flow
Why Monthly Payments Win More Sales
A $10,000 roof feels painful.
$167 a month feels painless.
Same total cost, different frame of mind.
That’s the psychology of financing. Homeowners buy based on comfort, not cash on hand. When you show an affordable monthly option, you remove hesitation and help them see your project fits their budget.
Removing the Hesitation Before It Starts
Here’s what happens in the homeowner’s mind when you lead with financing:
- Without financing: “Where am I going to get $10,000? Do I drain our emergency fund? Put it on a credit card and pay 24% interest? Wait another year and hope the problem doesn’t get worse?”
- With financing: “Okay, $167 a month. We can swing that. We were going to finance this somehow anyway, at least this way we get competitive rates and can move forward now.”
You’ve just removed every objection before they even voiced it. The mental barrier dissolves. The project transforms from “someday when we have the money” to “let’s do this now.”
The Future of Contractor Sales
Homeowners finance cars, furniture, even phones. They expect the same convenience for home improvements.
Contractors who adapt will thrive. Those who don’t will lose business.
Financing isn’t a “nice to have” anymore, it’s a must-have.
Watch this video to see how Marty Toma of Denver Patio Masters has increased his business with financing>>> DENVER PATIO MASTERS
Beyond the Sale: The Hidden Benefits of Offering Financing
When you use Improvifi, your business changes from the inside out.
You get paid faster. Your cash flow improves. Your team stays busy.
Customers stop fighting over price because you’ve made the purchase affordable. They buy bigger projects, choose premium materials, and tell their friends how easy you made it.
And when happy customers talk, referrals follow.
Common Questions About Contractor Financing
Is financing hard to set up?
Not at all. Improvifi gets you up and running in days.
What if the homeowner doesn’t pay?
Once you’re funded, you’re done. Improvifi handles the payments.
Does it cost me money?
Similar to credit card fees, but the increase in sales and job size more than makes up for it.
Will customers qualify?
Yes. Improvifi partners with multiple lenders for every credit range. Even customers with fair credit can often get approved.
How to Present Financing the Right Way
Don’t wait until the homeowner says, “That’s too expensive.” Lead with the payment option.
Say:
“Your total is $18,000 or around $149 a month through our financing program. Which works better for you?”
Include both the full price and the monthly payment on your quotes. It reframes the conversation and removes sticker shock.
Train your sales team to make it sound natural, not pushy, just helpful.
Success Stories from the Field
Mike’s Roofing boosted close rates from 30% to 50% using Improvifi. “Customers relax when they hear payment options. It changes everything,” he says.
Sarah’s HVAC Service raised her average ticket from $6,500 to $9,200. “Now people buy what they really need, not just what they can afford upfront.”
Tom’s Remodeling started beating out the big-box stores. “We offer the same easy payments, but with personal service and better craftsmanship.”
The Math That Makes It Clear
If you quote 100 projects per year:
Without financing:
30% close rate × $10,000 avg job = $300,000
With Improvifi:
45% close rate × $13,000 avg job = $585,000
That’s $285,000 more revenue, from the same number of leads.
Why Improvifi Gives You a Competitive Edge
Most small contractors still don’t offer financing. That means when a homeowner compares three quotes, the one with a payment plan wins almost every time.
Financing doesn’t make you cheaper. It makes you more affordable.
Here’s a stunning reality: Despite all the evidence that financing closes more deals, the majority of small contractors still aren’t offering it to their customers.
They’re stuck in the old-school mindset of cash-or-check payments.
They assume homeowners will figure out their own financing. Or they simply don’t know how easy it’s become to offer payment options.
Real Example: The HVAC Contractor’s Breakthrough
Without financing:
Quote: $12,000
Customer savings: $3,000
Result: “We’ll call you later.” Sale lost.
With Improvifi:
Quote: $12,000
Payment: $223/month for 60 months
Result: Customer says, “Let’s do it.”
You close the deal and get paid right away.
How Financing Helps Every Trade
Roofing Contractors:
Make roof replacements affordable. Customers fix damage faster, upgrade materials, and add gutters or skylights.
HVAC Companies:
When systems fail, homeowners need solutions fast. Financing removes the “wait until payday” barrier.
Remodelers:
Turn dream projects into real projects. Customers choose better finishes and start sooner.
General Contractors:
Offer flexible payment plans, compete with big-box stores, and win based on value, not price.
What Is Improvifi?
Improvifi is the all-in-one contractor financing platform that helps home improvement businesses close more sales and get paid faster.
Here’s how it works:
You quote the job → the homeowner applies right on their phone → Improvifi gets them approved → you get paid in full → the homeowner makes affordable monthly payments directly to the lender.
It’s fast, paperless, and built for real contractors.
🔐 Why Improvifi Leads the Way in Contractor Fintech
Improvifi isn’t just a lender.
It’s a complete contractor growth system, combining lending, training, support, and technology into one ecosystem.
Our digital financing tools for contractors include:
- The Improvifi App – a mobile financing hub.
- The Deal Desk – live support for in-home loan issues.
- The Improvifi Skool – the industry’s top sales and financing training center.
- The Consumer Credit Center – your white-labeled finance page for your website.
With Improvifi, contractors get more than approvals, they get a partner in growth.
🎥 Connect With Us on YouTube
Want to see how it works in real time?
👉 Check out our YouTube channel: Improvifi on YouTube
You’ll find quick training clips, contractor success stories, and walkthroughs showing exactly how our multi-lender home improvement financing platform helps you close more jobs, faster.
Subscribe for weekly videos on:
- Sales & financing best practices
- Real contractor case studies
- Financing script examples
- Objection handling and payment framing
Your next growth breakthrough might start with a 3-minute video.
🚀 Ready to Grow With Improvifi?
If you’re ready to:
✅ Close more jobs
✅ Get more homeowners approved
✅ And turn your business into a Consumer Credit Center
Then it’s time to join Improvifi the #1 multi-lender home improvement financing platform built for contractors who want to win.