--- title: "Second-look financing with TURNS Financing overview" slug: "second-look-financing-with-turns-financing-overview" updated: 2026-10-15T01:01:27Z published: 2026-10-15T01:01:27Z canonical: "help.servicetitan.com/second-look-financing-with-turns-financing-overview" --- > ## Documentation Index > Fetch the complete documentation index at: https://help.servicetitan.com/llms.txt > Use this file to discover all available pages before exploring further. # Second-look financing with TURNS Financing overview ## Overview When the first-look lender declines an application, Financing can continue seamlessly through the TURNS second-look waterfall solution. This integration automatically evaluates offers across various lenders, from backup prime to no-credit-required financing, helping your customers secure better financing terms. This enhancement ensures you close more jobs while controlling your financing costs, leading to higher revenue. --- ### #### Who uses this feature - Technicians - Primarily for Residential Service #### Feature configuration - Account configuration is required to use this feature. Please contact [Technical Support](http://go.servicetitan.com/ask) for details. ## Things to know - TURNS second-look financing is available for [Wells Fargo](/construction/docs/use-wells-fargo-financing-in-servicetitan), [Goodleap](/construction/docs/use-goodleap-financing-integration-in-servicetitan-1), [GreenSky®](/construction/docs/overview-greensky-custom-financing-in-servicetitan), [Financeit](/construction/docs/use-financeit-financing-in-servicetitan), and [Service Finance](/construction/docs/get-started-with-your-service-finance-integration) integrations. - All financing is provided by third-party financing partners; ServiceTitan is not responsible for any credit decisions. - Approval rates based on data provided by TURNS, and represents the aggregate approval rates for prime lender and TURNS Second Look Waterfall. - Contractor financing fees may vary based on the selected plan and are subject to individual lender terms. ## Submit a TURNS prequalification application To offer second-look financing options: 1. Go through the application process for your first-look financing integration. 2. If the application is declined, tap **Prequalify with TURNS Financing**. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/second-look-financing-with-turns-financing-overview-image-2mr2wy51.jpg?sv=2026-02-06&spr=https&st=2026-10-31T01%3A36%3A54Z&se=2026-10-31T02%3A36%3A54Z&sr=c&sp=r&sig=ASdtObKqwmRfYTuczKXc4MdT3%2F3Us7Z6lfm7sQ7%2FNCM%3D) 3. Confirm the desired loan amount and the customer's first name, last name, email, and phone number. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/second-look-financing-with-turns-financing-overview-image-og4begjt.jpg?sv=2026-02-06&spr=https&st=2026-10-31T01%3A36%3A54Z&se=2026-10-31T02%3A36%3A54Z&sr=c&sp=r&sig=ASdtObKqwmRfYTuczKXc4MdT3%2F3Us7Z6lfm7sQ7%2FNCM%3D) 4. Enter the customer details and income information. 5. When finished, click **Continue.** ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/second-look-financing-with-turns-financing-overview-image-iwnjfjf2.jpg?sv=2026-02-06&spr=https&st=2026-10-31T01%3A36%3A54Z&se=2026-10-31T02%3A36%3A54Z&sr=c&sp=r&sig=ASdtObKqwmRfYTuczKXc4MdT3%2F3Us7Z6lfm7sQ7%2FNCM%3D) 6. Have the customer review the disclosures and agree to the terms. 7. When finished, tap **Submit Application**. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/second-look-financing-with-turns-financing-overview-image-xtonykl1.jpg?sv=2026-02-06&spr=https&st=2026-10-31T01%3A36%3A54Z&se=2026-10-31T02%3A36%3A54Z&sr=c&sp=r&sig=ASdtObKqwmRfYTuczKXc4MdT3%2F3Us7Z6lfm7sQ7%2FNCM%3D) 8. If the application is approved, have the customer review the offers presented. 9. Select an offer and then tap **Select Offer.** ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/second-look-financing-with-turns-financing-overview-image-apalotsk.png?sv=2026-02-06&spr=https&st=2026-10-31T01%3A36%3A54Z&se=2026-10-31T02%3A36%3A54Z&sr=c&sp=r&sig=ASdtObKqwmRfYTuczKXc4MdT3%2F3Us7Z6lfm7sQ7%2FNCM%3D) 10. Review the offer details and contact information. 11. When finished, tap **Confirm Selection**. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/second-look-financing-with-turns-financing-overview-image-gdtccjsh.png?sv=2026-02-06&spr=https&st=2026-10-31T01%3A36%3A54Z&se=2026-10-31T02%3A36%3A54Z&sr=c&sp=r&sig=ASdtObKqwmRfYTuczKXc4MdT3%2F3Us7Z6lfm7sQ7%2FNCM%3D) A link has now been sent to the customer's email and phone number where they can complete their TURNS application. ## View additional options If the second-look TURNS application is also declined, tap **View Additional Options** to redirect the customer to a TURNS webpage to explore no credit options. From here, the customer is prompted to enter in additional information in order to find a suitable offer. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/second-look-financing-with-turns-financing-overview-image-rb82jnbh.png?sv=2026-02-06&spr=https&st=2026-10-31T01%3A36%3A54Z&se=2026-10-31T02%3A36%3A54Z&sr=c&sp=r&sig=ASdtObKqwmRfYTuczKXc4MdT3%2F3Us7Z6lfm7sQ7%2FNCM%3D) ## Want to learn more? - See [Guide to TURNS Financing Services: Offer instant financing to eligible customers](/construction/docs/use-turns-financing-services-in-servicetitan) - See [Payments](/construction/docs/payments-home) Integration with third-party financing partners (e.g., GreenSky, Wisetack) that lets customers apply for financing on large jobs. **What it does:** Increases average ticket size and close rates by removing price barriers for customers who can't pay upfront. **Also called:** Customer financing, Payment plans **Tags:** Core [See the full glossary →](https://help.servicetitan.com/docs/glossary-overview) **a.k.a.** Customer Financing