SERVICETITAN · FINANCING & PAYMENTS

Offer Financing to Close Bigger Jobs

Help customers say yes to bigger jobs. Connect financing partners, present payment options, and collect payments seamlessly in the field.

Jump to:Set Up Financing Partners Offer Financing & Collect Payment Troubleshoot Financing Issues Measure Impact

Set Up Financing Partners

Connect a financing partner to your account

⚠︎ You need an active financing merchant account before connecting to ServiceTitan. Contact financing@servicetitan.com to set one up if you haven't already.

a. Go to Settings > Integrations > Financing. Find your preferred financing partner and click Add Account.

b. Enter your Merchant ID.

c. Map your financing plans to the appropriate business units and job types so technicians see the right options in the field.

d. Click Save.

Use Wells Fargo Financing in ServiceTitan Get started with GreenSky® Custom Financing Use Financeit Financing in ServiceTitan Use Synchrony Financing in ServiceTitan Get Started with your Service Finance integration Use TURNS financing services in ServiceTitan

Set up financing rules

a. Go to Settings > Integrations > Financing. Click Custom Financing for your preferred financing partner.

b. Click Add financing rule for Default Rule and fill out the rule's details.

c. Create a rule by selecting plans and clicking Next.

d. When finished, click Save.

Offer Financing & Collect Payment

Offer financing during a sales presentation

⚠︎ Always present financing options before sharing the total price. Customers are more likely to approve larger jobs when they see affordable monthly payments first. Technicians should offer financing on every estimate, regardless of job size — not just as a last resort.

a. From an open estimate in the Field Mobile App, scroll to the Financing Plans section and tap Select.

b. Select the financing plan options that best fit the job total.

c. Turn on the toggle for the plan in which you want to show the estimated monthly payment.

d. Tap Save. The financing plan or plans you selected are shown on the estimate.

e. Hand the device to the customer to review terms and submit their financing application directly from the app.

f. Once approved, the financing details attach to the invoice automatically. If declined, offer an alternative plan or payment method.

Select a financing partner and add financing plans to estimates in the ServiceTitan Field Mobile App

Collect payment through a financing partner

⚠︎ Not all financing partners allow you to apply the financing credit directly in the mobile app after the application is accepted.

a. After the job is complete, open the invoice in the Field Mobile App and tap Pay.

b. Select the financing payment type (e.g., GreenSky Direct Funding) as the payment method.

c. Confirm the financed amount. Tap Charge to process.

d. The financing partner sends payment to your account per their terms. Track the status in Accounting > Customer Payments.

Charge a financing partner loan on an invoice in the ServiceTitan Field Mobile App

Take a credit card payment on-site

a. From an open invoice in the Field Mobile App, tap Pay and select a Credit Card payment type.

b. Choose how to capture the card: Tap to Pay — hold the customer's card or phone against the technician's device (requires NFC, active internet). Card Reader — tap, insert, or swipe using a paired Adyen, BBPOS, or ID TECH reader. Manual Entry — type the card number, expiration, CVV, and billing zip.

c. Enter the payment amount, have the customer sign the authorization, and tap Charge to process. Provide the customer with a digital receipt via email or text.

⚠︎ Manual CC entry works offline — the payment is queued and processes when connectivity is restored. Tap-to-Pay and card readers require an active internet connection.

Process credit card payments with Tap-to-Pay in the Field Mobile App Process credit card payments manually in the Field Mobile App Process card reader payments in the Field Mobile App

Troubleshoot Financing Issues

Troubleshoot: Financing options not showing

a. Go to Settings > Integrations > Financing and verify the financing partner status shows Active. If it shows Disconnected, re-enter your credentials and reconnect.

b. Confirm that financing rules are configured and mapped to the correct Business Unit(s). Financing options only appear on jobs that match a mapped business unit.

c. Ensure the technician's Field Mobile App is updated to the latest version. Older app versions may not display financing options.

d. Check that the estimate total meets the financing partner's minimum loan amount and spend threshold. Plans won't appear for jobs below the threshold configured in the custom financing rules.

Financing – FAQ

Measure the impact

Adoption

Financing offer rate

Track how often technicians present financing options. A low rate means missed revenue opportunities on large jobs. Technicians should submit at least one loan application per 30-day period.

Reports > All Reports > search "Estimates" ↗

Conversion

Financing approval rate

Monitor the percentage of financing applications that get approved. Low approval rates may indicate plan mismatches or customers who aren't a good fit for the selected plans. Check approval/decline status in the financing partner's portal.

Revenue

Average ticket on financed jobs

Compare average ticket size for financed vs. non-financed jobs. Financing should drive higher average tickets.

Reports > All Reports > search "Jobs" ↗

Pull-Through

Financing close rate on maintenance visits

Track what percentage of maintenance visits that resulted in a financing application led to an approved sale. Financing on recurring visits is the primary CS pull-through revenue mechanism.

Reports > All Reports > search "Jobs" ↗