--- title: "Use FinTurf as your second-look financing provider in ServiceTitan" slug: "use-finturf-in-servicetitan" description: "Learn how to set up FinTurf as your second-look financing provider and track applications in ServiceTitan." tags: ["Area - Finance", "Role - Admin"] updated: 2026-10-23T21:55:05Z published: 2026-10-23T21:55:05Z canonical: "help.servicetitan.com/use-finturf-in-servicetitan" --- > ## 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 FinTurf as your second-look financing provider in ServiceTitan ## 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**![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/convert-pdf-forms-to-servicetitan-forms-image-rdyrv9bz.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D)**> 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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0002_img_01.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) 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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0002_img_02.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) 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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0003_img_01.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) 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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0003_img_02.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) 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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0004_img_01.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) 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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0004_img_02.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) --- ## Assign FinTurf as your second-look provider 1. Go to **Settings**![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/convert-pdf-forms-to-servicetitan-forms-image-rdyrv9bz.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) **> Integrations > Financing**. 2. Select the **Settings** tab. 3. In the Second-Look **Provider**, select **FinTurf**. > [!NOTE] > **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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0005_img_01.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) 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** ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/xero-integration-guide-image-fbsvrdnh.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) **> 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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0005_img_02.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) 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] > **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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0006_img_01.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) 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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0006_img_02.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) **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.”](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0007_img_01.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) **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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0007_img_02.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) --- # 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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0008_img_01.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) 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.](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/use-finturf-in-servicetitan_page_0009_img_01.png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) 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. ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/image(436).png?sv=2026-02-06&spr=https&st=2026-11-13T09%3A15%3A56Z&se=2026-11-13T10%3A15%3A56Z&sr=c&sp=r&sig=x%2FEBb7vKI%2Fh2lXHwB6FFsZ80DIaH9%2FINmUihHkfHc0I%3D) 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 The core work record in ServiceTitan representing a service request, containing appointments, invoices, estimates, and notes. **What it does:** Acts as the operational and financial center of gravity for all work performed — everything is tied to a Job. **Also called:** Work order, Service ticket **Tags:** Core [Learn more →](https://help.servicetitan.com/docs/servicetitan-glossary) · [See the full glossary →](https://help.servicetitan.com/docs/glossary-overview) An internal division within ServiceTitan used to segment work, reporting, and accounting — for example, “Resi HVAC” vs. “Commercial Plumbing.” **What it does:** Lets multi-trade or multi-division businesses track performance, capacity, and financials separately per division. **Where to find it:** Settings › Business Units. **Also called:** Trade division, Service line, BU **Tags:** Core [Learn more →](https://help.servicetitan.com/docs/add-and-edit-a-trade-or-division) · [See the full glossary →](https://help.servicetitan.com/docs/glossary-overview) ServiceTitan's iOS and Android app for technicians to manage their schedule, job details, invoices, photos, and payments in the field. **What it does:** Keeps technicians connected to the office in real time — eliminating paper, reducing back-office data entry, and enabling on-site payments. **Also called:** Field app, Tech app **Tags:** Core [See the full glossary →](https://help.servicetitan.com/docs/glossary-overview) 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) A formal price quote presented to a customer before work begins, created from Pricebook items in ServiceTitan. **What it does:** Gives customers a transparent breakdown of costs and enables the business to track conversion from estimate to sold job. **Also called:** Quote, Proposal **Tags:** Core [See the full glossary →](https://help.servicetitan.com/docs/glossary-overview) ## Related - [Get started with GreenSky® Custom Financing](/get-started-with-greensky-custom-financing.md) - [Use Synchrony Financing in ServiceTitan](/use-synchrony-financing-in-servicetitan.md)