Generate pre-approved financing offers for existing homeowners with Prescreen Financing

Prescreen Financing is a new feature that generates firm, pre-approved credit offers from GreenSky or Synchrony for homeowners you already serve, so a financing conversation can start before the estimate rather than after it.

Available inCore

Feature type

New Feature

Industry

Residential Service and ReplacementResidential Construction

Roles

AdministratorsDispatchersTechnicians

Region

United States

What's new

Financing has always arrived at the point of estimate, after a homeowner is already weighing the price, and there was no way to tell in advance which homeowners could afford more. Prescreen Financing runs a prescreen against the homeowners you already have on record, using only first name, last name, and address, and returns a firm, pre-approved offer where one exists. That offer appears as a pre-approval banner in the Field Mobile App and in Customer Portal, so your technician arrives already knowing the homeowner qualifies. From the banner, the homeowner can move straight into a full credit application, pre-filled with the details ServiceTitan already holds.

Workflow comparison — before & after

← Before

✓ After

1.A homeowner books a job for a system replacement.

1.An administrator enables Pre-approval in Settings and selects GreenSky or Synchrony as the provider.

2.Your technician arrives with no indication of whether the homeowner can afford the full scope.

2.ServiceTitan runs a prescreen in the background against your existing homeowners.

3.Your technician builds the estimate and presents the total.

3.Where a firm offer exists, a pre-approval banner appears in the Field Mobile App on the job summary, estimates, financing provider selection, and proposal presentation screens, and in Customer Portal.

4.Financing is raised for the first time at the moment of decision, and the homeowner is asked to complete a prequalification application on the spot.

4.Your technician opens the job and can see the pre-approved amount before the estimate conversation begins.

5.The homeowner moves from the banner straight into a full credit application, pre-filled with details already on file.

⚠ The affordability conversation starts from zero at the worst possible moment, and homeowners who could have qualified decline the job instead.

✓ Your technician walks in knowing the homeowner qualifies, so the conversation starts from a yes rather than a maybe, and larger scopes stay on the table.

How it works for your industry

Residential Service and Replacement

A heating, ventilation, and air conditioning (HVAC) homeowner books a diagnostic on a failing condenser. Because a pre-approval already exists, your technician can present a full replacement rather than a repair, knowing the funding is in place.
A plumbing homeowner books a water heater call. The pre-approval banner shows on the job summary before your technician arrives, so the dispatcher can assign a technician who is comfortable selling a tankless upgrade.
An electrical homeowner schedules a panel inspection. Your technician sees the pre-approved amount on the estimates screen and builds a scope that fits it, instead of quoting low and hoping.

Residential Construction

A homeowner books a consultation on a whole-home rewire. The pre-approval arrives with the booking confirmation, so the first design conversation already assumes the project is fundable.
A remodel homeowner receives a proposal through Customer Portal. The pre-approval banner appears alongside it, and the homeowner starts the credit application without waiting for a callback.
A homeowner requests a quote for a new ductwork installation. Your salesperson reviews the pre-approved amount on the proposal presentation screen and scopes the project in a single visit rather than two.

How to prepare

Have an administrator reach out to Support or your Customer Success Manager (CSM) to have Prescreen Financing and any prerequisite configurations enabled.

Confirm which financing provider you want to run prescreen through. GreenSky supports batch generation of pre-approved offers, while Synchrony currently supports real-time prescreening only, so your choice changes what you can run.

Open Settings, go to Financing, and complete the Prescreening section: enable Pre-approval, select your provider, select the merchant identifier (MID), and for GreenSky also select the plan, set the default representative name, and tick the acknowledgment checkbox. Select Save.

Identify the homeowners in your database most likely to need a large replacement in the next season, so your team knows where the pre-approvals will matter most.

Train your technicians and dispatchers on what the pre-approval banner means and what it does not mean. A pre-approval is a firm offer of credit, and it is not a completed application. Offers expire after 30 days, and expired offers are hidden.

Bookmark any knowledge base articles or Academy videos for team training.