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Use FinTurf as your second-look financing provider in ServiceTitan

  • Published on Oct 23, 2026
  • 5 minute(s) read
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Overview

FinTurf is a Financing provider that you can choose as your second-look provider. When a customer is declined by your first-look provider, ServiceTitan can automatically submit the application to FinTurf. This gives you another chance to offer financing and close the Job.

FinTurf works as a second-look provider only. You can’t set it up as your only financing provider, so you’ll need a first-look provider too. You can pick one second-look provider at a time, and all declined first-look applications go to that provider.

Who uses this feature?

Admins who manage financing settings. Office staff and technicians then see the results when they run financing applications.

What do I need before I start?

  • A FinTurf merchant ID for your business.

  • A first-look financing provider is already set up.

Use cases

  • Recover declined applications. A customer is declined by your first-look provider. FinTurf reviews the application so you can still offer financing.

  • Keep the process hands-off. Technicians and customers don’t pick a provider. ServiceTitan submits to your second-look provider for you.

Set up FinTurf in ServiceTitan

  1. Go to Settings> Integrations > Financing.

  2. On the Providers tab, find FinTurf and select Configure.

    ServiceTitan Financing page showing the FinTurf provider card under the Providers tab with a Configure button.

  3. Under Set up default accounts, add a merchant ID. This ID is the foundation for your default rule. It applies to any Business Unit that doesn't have a custom assignment.

    ServiceTitan Configure financing accounts page showing the Set up default accounts step with Merchant ID and Name fields.

  4. (Optional) Under Set up accounts for specific business units, add accounts for specific business units. If you would like to skip this step, click Skip.A configuration wizard screen titled “Configure financing accounts,” showing the steps “Set up default accounts,” “Set up accounts for specific business units,” “Exclude business units,” and “Review,” with the “Set up accounts for specific business units” step selected. The screen includes the heading “Set up accounts for specific business units (optional),” explanatory text, an “Add Account” button, and “Back” and “Skip” buttons.

  5. (Optional) Select the business units to exclude. Excluded business units don't use FinTurf. If you would like to skip this step, click Skip.

    A configuration wizard screen titled “Configure financing accounts,” showing the steps “Set up default accounts,” “Set up accounts for specific business units,” “Exclude business units,” and “Review,” with the “Exclude business units” step selected. The screen includes the heading “Exclude business units from financing (optional),” explanatory text, a “Business Units” dropdown field, and “Back” and “Skip” buttons.

  6. Review your settings, and then select Save.

    A financing account configuration screen showing the steps “Set up default accounts,” “Set up accounts for specific business units,” “Exclude business units,” and “Review,” with a review configuration section and Back and Save buttons.

After setup, FinTurf shows as configured on the Providers tab, with your accounts and any excluded business units listed.

Set the minimum amount for automatic submission

Single Application Waterfall Threshold is the minimum amount an application needs before it automatically goes from your first-look provider to FinTurf.

A FinTurf accounts settings screen showing the Single Application Waterfall Threshold section, with a Minimum Amount field set to $300 and the section outlined in red.

Assign FinTurf as your second-look provider

  1. Go to Settings > Integrations > Financing.

  2. Select the Settings tab.

  3. In the Second-Look Provider, select FinTurf.

    Note: A second-look provider offers financing to customers who are declined by your primary provider.

  4. Select Save.

    A ServiceTitan Financing settings screen showing the Preferred Provider set to GreenSky, the Second-Look Provider set to FinTurf and highlighted with a red border, presentation type options, financing display settings, and Cancel and Save buttons.

From now on, ServiceTitan submits declined first-look applications to FinTurf in the Field Mobile App and the Customer Portal.

Track FinTurf applications in Application Management

Use Application Management to see every financing application sent through FinTurf and other integrated providers.

  1. Go to Accounting > Financing > Application Management.

  2. Use the filters at the top to narrow the list: the date range (the default is Last 30 Days), Provider, Business Unit, Technician, and Status.

    A ServiceTitan Application Management screen with an Accounting navigation menu, application filters for date range, provider, business unit, technician, status, and application source, plus refresh, Export, and Edit Report controls and an application results table.

  3. Select the refresh icon to update the list. Select Export to download it, or Edit Report to change the columns.

The list shows the application ID and date, provider, business unit, applicant name, technician, job number, approved amount, status, application source, and pending task.

Note: This list shows only applications sent through integrated platforms. Applications from other sources aren't included.

Open an application's details

Select an application to open its details.

ServiceTitan Application Management screen showing a list of financing applications, filters, application columns, and an eye icon in the Actions column.

At the top, you see the applicant, status, provider, application ID, and application date.

ServiceTitan application details screen showing Application #0123456789 Details, applicant information, Review and Action required status badges, FinTurf as the provider, application ID and date, Tasks cards, and a History table.

Tasks lists what's left to do on the application:

  • Upload Conditions: Send documents to resolve open conditions. Select Upload Conditions to go to the provider's site.

  • Notice to Proceed (NTP): FinTurf grants this automatically after you finish all required tasks.

  • Request Funds: When the job is done, select Request Funds to start the payout. This also takes you to the provider's site.

If nothing is needed, you see No tasks required.

A ServiceTitan Tasks panel showing an information icon, the message “No tasks required,” and the subtext “Required tasks will display here.”

History shows the actions taken on the application, with the date, time, action, and amount. It includes only actions taken through integrated platforms. Actions you complete outside ServiceTitan aren't included.

A ServiceTitan History table with columns “Date & Time,” “Action,” and “Details,” showing two entries dated 08/21/2026 08:40 AM with the action “Decision: Pending”; the first includes bullet details about AppliedOn, an external loan ID, and a status change, while the second shows a dash.

Offer FinTurf in the ServiceTitan Field Mobile App

If a customer is declined by your first-look provider, ServiceTitan sends the application to FinTurf for you.

  1. Open the customer's proposal in the Field Mobile App.

  2. On the Estimates tab, tap Apply for Financing.

    A mobile app screen titled Your Proposal showing a replacement estimate for a single-speed single-stage 13-15 SEER (1.5-3 Ton) AH&CU system, financing details, and an Accept and Sign Estimate button.

  3. Under Provider, choose your first-look provider. Enter the Sale Amount and any Down Payment. Desired Financed Amount updates for you.

  4. Tap Find Plans.

    A financing application screen titled “Apply for Financing,” showing financing provider options for Service Finance, Affirm, and Wells Fargo, fields for Sale Amount and Down Payment, a Desired Financed Amount of $10,000, and a “Find Plans” button.

If FinTurf approves the application, you can set how much to finance on the Update Offer Details screen.

  1. Check Max Approved Amount.

  2. Enter the amount you want in the Desired Financed Amount. You see the estimated payment and plan details below.

  3. Tap Submit.

The amount must be below the max approved amount. It must also meet the provider's minimum. If it doesn't, you see an error and Submit stays unavailable.

Offer FinTurf in the Customer Portal

Customers can apply from a proposal in the Customer Portal. On each Estimate, they see an estimated monthly payment, Financing Terms, and See If You Prequalify. If they're declined by your first-look provider, ServiceTitan sends the application to FinTurf.

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