Identify pre-approved financing customers with Prescreen Financing

What’s new

Financing has traditionally entered the conversation at the Estimate, after the technician is already on-site and the homeowner is at the point of decision. With Prescreen Financing, your company can generate firm, pre-approved offers of credit for your customers in advance, without asking them to submit any information. When a Job is booked, eligible customers are automatically pre-screened. If approved, a pre-approved tag is added to their customer profile, helping back-office teams and dispatchers identify and prioritize high-value jobs.

Prescreen Financing works with GreenSky and Synchrony.

Who uses this feature

Administrators, Dispatchers, and Technicians
Residential Service & Replacement and Residential Construction companies
Companies on the Residential The Works package, available in Core

Where you'll see it

The Field Mobile App - Job Summary, Estimates, financing provider selection, and proposal presentation screens
Customer Portal
Back office: a pre-approved customer tag on the Job details page, the booked screen on Scheduling Pro, and on the Dispatch Pro dispatcher screen

Things to know

To use this feature, your company must already work with GreenSky or Synchrony for financing.
Prescreen checks run automatically in the background using only the customer's name and address — no application or consent step is required from the homeowner to generate an offer.
A pre-approved offer is valid for 30 days. After that, it's hidden and excluded from future checks.
Note: Prescreen offers are a firm offer of credit under the Fair Credit Reporting Act (FCRA). Any customer-facing banner or communication must include the required opt-out notice: “This ‘prescreened’ offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian Opt Out P.O. Box 919 Allen, TX 75013.” If you opt out of marketing emails, that opt-out also applies to prescreen offers.
The pre-approval banner doesn't appear in every case.
Note: It's suppressed if the customer already has a recent approved or declined financing application with that provider, and it never appears if the customer's prescreen outcome was Declined or if the offer has expired.

Enable Prescreen Financing

Confirm your company already works with GreenSky or Synchrony, and have your Merchant ID and financing plan ready.
Contact your Customer Success Manager (CSM) to have Prescreen Financing enabled for your account.
Go to Settings > Financing > Prescreening.
Turn on Enable pre-approvals.
GreenSky:
Synchrony:
Select GreenSky or Synchrony as your provider and complete the required provider fields.
Agree to the pre-approval attestation and click Save.

When discussing financing terms with a homeowner, use "Estimated Monthly Payment" - this is the approved phrasing.

How it works

ServiceTitan runs a prescreen check for your existing customers in the background.
If a firm offer comes back, it's attached to that customer's record for up to 30 days.
Office users can view the pre-approval through the customer's record, it shows as a pre-approved tag in areas like the Job details page in the back office, the booked screen on Scheduling Pro, and on the Dispatch Pro dispatcher screen, so office staff and dispatchers can spot and prioritize these jobs before a technician is even dispatched.
When a technician opens a job for that customer, the pre-approval appears as a banner on the Job Summary screen in the Field Mobile App, and again on the Estimates, financing provider selection, and proposal presentation screens.
GreenSky:
Synchrony:
The homeowner sees the same offer in Customer Portal.
From the banner, the homeowner selects the offer and goes straight into a full credit application, pre-filled with the information ServiceTitan already has, skipping the separate pre-qualification step used by other financing flows.

Frequently asked questions

Does running a prescreen affect my customer's credit?

A prescreen check does not require the homeowner to apply and should not affect their credit score. A full credit application, which the homeowner starts themselves from the banner, may involve a credit check at that stage.

How long does a pre-approved offer last?

Pre-approved offers expire after 30 days. Customers may become eligible for re-screening after 90 days.

Can my customer still apply for financing the usual way if they don't have a prescreen offer?

Yes. Prescreen Financing runs alongside your existing GreenSky and Synchrony financing flows. If no active offer exists for a customer, they can still apply for financing at the estimate the way they do today.