Customers don't object to price — they object to lump sum
Every HVAC, plumbing, and electrical operator has lived this scene. The tech finishes the diagnostic, hands the homeowner an estimate for $4,200, and the answer is "let me think about it." Six times out of ten, "let me think about it" means the customer can't write the check today, won't put it on a credit card, and won't tell you that's the real reason. They go to a competitor who quotes $3,800 and offers monthly payments. You lost the job over $400 you didn't have to surrender.
The fix isn't to drop your price. It's to remove the lump-sum objection by offering financing right at the point of decision. Operators who pitch financing on every ticket above their close threshold see average ticket sizes rise 25-40% with no change in close rate — the customer who was going to pay $3,200 picks the $4,800 option because it's $89/month either way.
How POG handles financing
POG ERP integrates with Wisetack as the default financing partner. When you finalize a closeout in the admin path and the total is $500 or more, the modal renders an "Offer Financing" button. Click it and POG generates a Wisetack apply URL prefilled with the customer's name, email, phone, and the exact loan amount. You hand the phone to the customer or text them the link.
The customer applies through Wisetack. Wisetack handles underwriting, payment options, and funding under your Wisetack merchant agreement. POG keeps the financing offer tied to the receipt so your team can see what was offered and follow up from the ERP.
POG records the offer in a financing_offers table tied to the receipt and the customer. Current production support is URL generation and offer tracking; funded/declined webhook reconciliation is a planned follow-up integration.
What's included
- Per-tenant configuration — set your Wisetack merchant ID, financing threshold (default $500), and partner status in Settings.
- Closeout modal CTA — "Offer Financing" button appears automatically above the threshold.
- Pre-filled apply URL — customer name, phone, email, and loan amount populate Wisetack's form. They tap through, not type through.
- Status tracking foundation — financing offers are stored against the receipt now; partner webhook reconciliation can be enabled when the Wisetack event feed is configured.
- Audit trail — every offer creation and status update logged with user + IP + timestamp.
- Quote integration — v2 will surface the same financing button on the public quote portal so customers see "Or finance this" alongside the GBB tier picker.
How it compares
ServiceTitan integrates with multiple financing partners (Wisetack, GreenSky, Service Finance) but only on the Pro tier ($350+/mo). Jobber treats financing as a third-party add-on you configure outside the closeout flow. Housecall Pro has financing on higher tiers; POG's current wedge is simpler: generate the financing link from the closeout context and keep the offer attached to the receipt.
POG ERP includes the closeout CTA and Wisetack URL generation on the $49.99/month starter plan. You bring your own Wisetack merchant agreement; POG handles the ERP-side workflow.
"If your average ticket size on $500+ jobs doesn't increase within the first 60 days of using POG financing, we refund your setup fee in full."