--- title: "Use TURNS single application waterfall financing in Customer Portal" slug: "use-turns-single-application-waterfall-financing-in-customer-portal" updated: 2026-10-15T01:01:28Z published: 2026-10-15T01:01:28Z canonical: "help.servicetitan.com/use-turns-single-application-waterfall-financing-in-customer-portal" --- > ## 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. # Use TURNS single application waterfall financing in Customer Portal ## Overview You can submit a single Financing application that automatically applies to multiple lenders in a pre-defined sequence, increasing your customer's chances of approval. --- ### #### Feature configuration - [Online Payments](/construction/docs/guide-to-online-payments) is required to use this feature. - Account configuration is required to use this feature. Please contact [Technical Support](http://go.servicetitan.com/ask) for details. ## Things to know - To use single application waterfall financing, GreenSky®, GoodLeap, ServiceFinance, or Synchrony must be enabled, along with TURNS. - All financing is provided by third-party financing partners; ServiceTitan is not responsible for any credit decisions. - Contractor financing fees may vary based on the selected plan and are subject to individual lender terms. - 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. ## Step 1: View your proposal in Customer Portal 1. Log in to Customer Portal. 2. In the side panel, click **Proposals**. 3. On the *Proposals* screen, click **View Proposal**. 4. On the proposal details screen, review the available estimates and click **See if you prequalify** for the estimate you want. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-turns-single-application-waterfall-financing-in-customer-portal-image-qextjse5.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A38%3A36Z&se=2026-10-31T03%3A38%3A36Z&sr=c&sp=r&sig=ufw5Q%2FEeXjUMdaahxeoo0QNDHIUVGNV0UVxuAjmkWt8%3D) ## Step 2: Submit a prequalification application for financing 1. On the *Apply for Financing* screen, click **Edit** ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/icon-edit.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A38%3A36Z&se=2026-10-31T03%3A38%3A36Z&sr=c&sp=r&sig=ufw5Q%2FEeXjUMdaahxeoo0QNDHIUVGNV0UVxuAjmkWt8%3D): 1. Under *Sale Amount*, enter the desired loan amount. 2. If applicable, add the down payment amount. 3. Click **Find Plans** to continue. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-turns-single-application-waterfall-financing-in-customer-portal-image-vxqlpoir.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A38%3A36Z&se=2026-10-31T03%3A38%3A36Z&sr=c&sp=r&sig=ufw5Q%2FEeXjUMdaahxeoo0QNDHIUVGNV0UVxuAjmkWt8%3D) 2. Each plan option that was shown on the estimate is available to choose from. Find the plan you want then click **Select Plan**. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-turns-single-application-waterfall-financing-in-customer-portal-image-de33am9b.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A38%3A36Z&se=2026-10-31T03%3A38%3A36Z&sr=c&sp=r&sig=ufw5Q%2FEeXjUMdaahxeoo0QNDHIUVGNV0UVxuAjmkWt8%3D) 3. On the next screen, confirm your information and fill out the application form. Click **Next** to continue. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-turns-single-application-waterfall-financing-in-customer-portal-image-d76mvc3k.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A38%3A36Z&se=2026-10-31T03%3A38%3A36Z&sr=c&sp=r&sig=ufw5Q%2FEeXjUMdaahxeoo0QNDHIUVGNV0UVxuAjmkWt8%3D) 4. Review and agree to the terms and conditions then click **Submit Application**. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-turns-single-application-waterfall-financing-in-customer-portal-image-96ioe8yq.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A38%3A36Z&se=2026-10-31T03%3A38%3A36Z&sr=c&sp=r&sig=ufw5Q%2FEeXjUMdaahxeoo0QNDHIUVGNV0UVxuAjmkWt8%3D) The application is processed and you'll see the status within minutes: - If the application to the primary lender is declined, it's sent to a secondary lender. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-turns-single-application-waterfall-financing-in-customer-portal-image-txufzvgx.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A38%3A36Z&se=2026-10-31T03%3A38%3A36Z&sr=c&sp=r&sig=ufw5Q%2FEeXjUMdaahxeoo0QNDHIUVGNV0UVxuAjmkWt8%3D) - If the application is approved by the second lender, you'll receive an approval message and the conditions of the loan. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-turns-single-application-waterfall-financing-in-customer-portal-image-vz5focrw.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A38%3A36Z&se=2026-10-31T03%3A38%3A36Z&sr=c&sp=r&sig=ufw5Q%2FEeXjUMdaahxeoo0QNDHIUVGNV0UVxuAjmkWt8%3D) - Select a plan then click **Confirm Selection** to accept the offer. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-turns-single-application-waterfall-financing-in-customer-portal-image-h8w1bwfi.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A38%3A36Z&se=2026-10-31T03%3A38%3A36Z&sr=c&sp=r&sig=ufw5Q%2FEeXjUMdaahxeoo0QNDHIUVGNV0UVxuAjmkWt8%3D) - The application is sent. Click **Return to Job** to go back to the job. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-turns-single-application-waterfall-financing-in-customer-portal-image-8mozmlzp.png?sv=2026-02-06&spr=https&st=2026-10-31T02%3A38%3A36Z&se=2026-10-31T03%3A38%3A36Z&sr=c&sp=r&sig=ufw5Q%2FEeXjUMdaahxeoo0QNDHIUVGNV0UVxuAjmkWt8%3D) ## Want to learn more? - See [Payments](/construction/docs/payments-home) - See [Customer Portal overview](/construction/docs/customer-portal-overview) 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 A self-service web portal where customers can view job history, request service, make payments, and communicate with the business. **What it does:** Reduces inbound call volume and improves customer satisfaction by giving homeowners 24/7 access to their service records. **Also called:** Customer self-service, Online portal **Tags:** Core [See the full glossary →](https://help.servicetitan.com/docs/glossary-overview)