Built-in consumer financing
Help customers say yes—right at the kitchen table
AI receptionist on your line — nights, weekends, emergency triage, live dispatch.Price is the number one reason HVAC deals stall. ComfortOS puts monthly-payment options inside your estimates so customers can apply, get approved, and book the job in minutes.
Financing where the sale actually happens
ComfortOS surfaces approved consumer-finance options inside the estimate workflow. Your tech presents real monthly payments, the customer applies on the spot, and the decision flows straight back into the job—no separate portal, no copying numbers.
Why contractors offer financing with Comfort OS
Close jobs at the kitchen table
Offer monthly-payment options the moment you present an estimate—so price stops being the reason a homeowner says no.
Fast credit decisions
Customers apply in minutes and most receive a decision on the spot, keeping the install on schedule.
Higher average ticket
When payments are manageable, more customers choose higher-efficiency systems and add-on work.
Built into the estimate
Financing lives inside ComfortOS estimates and invoices—no separate portal, no copying numbers between tools.
Transparent and compliant
Approved consumer-finance partners and clear disclosures are presented in-flow, with everything logged to the job.
Financing partners in ComfortOS
Present more than one path to yes. Techs pick the lender that fits the ticket and the homeowner — then log the offer on the estimate.
Wisetack
Best-in-class FSM embed — soft-pull prequal, mid-ticket HVAC ($500–$25K), flat ~3.9% merchant fee, paid in 1–3 days.
GreenSky
Bank-backed home-improvement installments for larger replacements — approval headroom above job cost.
Synchrony
Retail revolving + promo plans that underwrite Rheem, York, and other manufacturer-branded cards.
Service Finance
Truist contractor financing — Lennox/Armstrong U.S. path plus 50+ promo and standard installment options.
From estimate to approved—in minutes
- 1
Build the estimate
Your tech creates a good-better-best estimate in ComfortOS and shows the customer real monthly-payment options.
- 2
Apply in minutes
The customer applies with an approved lending partner from the same screen—most decisions arrive in minutes.
- 3
Approve & schedule
Once approved, the job converts to a scheduled work order and invoice automatically. No re-keying, no delays.
Financing is provided by approved consumer-finance partners and subject to credit approval. Terms, rates, and program availability vary by lender and applicant qualifications.
What your customers can finance
- System replacements (AC, furnace, heat pump)
- Indoor air quality add-ons
- Ductless and mini-split installs
- Water heater and boiler work
- Maintenance memberships
- Multi-system whole-home projects
Financing FAQ
Financing is part of the estimate workflow. Techs present monthly-payment options, the customer applies with an approved lending partner, and the decision flows straight back into the job.
Turn more estimates into booked jobs
See how built-in financing fits your sales process. Book a quick walkthrough with our team.
Comfort OS is not a lender. Financing is provided by approved consumer-finance partners and subject to credit approval.