---
title: "Use GreenSky® Custom Rule Financing in ServiceTitan"
slug: "use-greensky-custom-rule-financing-in-servicetitan"
tags: ["Area - Payments", "Focus - Construction", "Focus - Service Replacement", "Role - Admin", "Type - Commercial", "Type - Residential"]
updated: 2026-10-16T01:33:05Z
published: 2026-10-16T01:33:05Z
canonical: "help.servicetitan.com/use-greensky-custom-rule-financing-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 GreenSky® Custom Rule Financing in ServiceTitan

## Overview

Custom Rule Financing works in two ways: 1) you can set a single default rule or 2) create multiple custom rules by setting details, spend thresholds, and more. Once you've added those, you can edit and manage rules as your business needs change.

## Things to know

- Please contact the ServiceTitan Financing team at [financing@servicetitan.com](mailto:financing@servicetitan.com) before performing any of this setup. The ServiceTitan Financing team will assist you with entering these settings.
- Before creating GreenSky® Custom Finance rules, you will need to sign up for GreenSky®. Learn more here: [Get started with GreenSky® Custom Financing](/residential-s-r/docs/get-started-with-greensky-custom-financing)

## Set up your GreenSky® accounts

1. Go to the navigation bar and click **Settings** ![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/payments-image-5ekjqilx.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D).
2. In the side panel, click **Integrations** > **Financing**.
3. Under **Providers**, find **GreenSky** and click **Configure**.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924816620.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
4. To begin the GreenSky setup, click Get Started.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924816623.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
5. **Set up default accounts** - "Add a merchant ID to serve as the foundation for your default rule, which automatically applies to any Business Unit without a custom assignment." Enter a **Merchant ID** and a **Name** ("User facing name for merchant ID" - you can enter the same value as the Merchant ID if you don't want a custom label). Unlike Wells Fargo, there's no option to add more than one Merchant ID to this account. Click **Next**.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924816625.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
6. **Set up accounts for specific business units** (optional) - "Configure custom account groups for specific business units. If you add accounts, you must also create custom rules to activate the relationship, or the system will apply the default rule to those units." Select the business unit(s) (for example, *Electrical - Service*), then enter a Merchant ID and Name for this group. Click + Add Account for another business-unit group entirely (there's no "+ Add Merchant ID" option within a single group). Click Next, or Skip if you don't need business-unit-specific accounts.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924816627.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
7. **Exclude business units from financing (optional)** - "Financing options will never be displayed for excluded business units." Select any business units to exclude, then click **Next**, or **Skip**.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924817800.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
8. **Review** - Lists each account group and its Merchant ID. Click **Save** to finish.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924817995.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)

**Saving takes you to the GreenSky page** - An **Accounts** section listing each group and its **Merchant ID** (for example, Default → 81009654; Electrical - Service → 81009655). If you need to change the information, you can update the account setup by clicking **Edit**.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924818208.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)

## Create a default rule

Under accounts, you’ll see the Rules section, this is where you will create the default rule and custom rules:

1. On the GreenSky page, in the Rules section, click Create Default Rule (or, once a rule exists, Add Rule to add another).

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924818355.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
2. This opens the **Create Default Rule** wizard.
3. Under **Select Rule Set Up**, choose **Use multiple spending tiers** (Recommended) - Offer different plans for jobs with different proposal prices or Do not use spending tiers (Offer the same plans for all jobs, regardless of proposal price).

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924818966.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
4. **Under Select Plans** - Add financing plans to spending tiers. For every eligible Job, customers will be offered the plans within the tier that corresponds with the cost of their job Estimate - with **Expand All / Collapse All** links. A Tier 1 card starts with a prefilled **Total Spend** range (for example, $0 to $4,000):
  - Click **+ Add Plans** to add plans to it manually.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924819287.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)

- Click + Add Tier to add more tiers.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924819604.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)

1. If you'd rather have GreenSky recommend plans and tiers for you, click ✨ Try the Plan Optimizer (top right of the Select Plans section) instead of building manually. This switches you into the Plan Optimizer flow: choose a Strategy (Conservative, Balanced [Recommended], or Aggressive), then review the recommended tiers, each showing Total Spend, Average Dealer Fee, Customer's Monthly Price, and a plan count.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924819798.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
2. Click Save (tier-level) as you go, and Save again at the bottom once you're done, to finish creating the rule. You can view your default rule in the GreenSky page's Rules section.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924820670.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)

> [!NOTE]
> **Note**: To ensure that there is at least one financing plan available for your technicians to show customers, you can't delete a default rule entirely. If you want to hide financing from a specific business unit, exclude that business unit when setting up your accounts instead.

## Edit a default rule

1. On the GreenSky page, in the Rules section, click the Default Rule's name (a clickable link) to open it.![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924820868.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
2. Edit the rule's tiers and plans as needed:

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924820898.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
  - To edit a tier, click the drop-down on the right > **Edit Tier.**
  - Click the **edit pencil** next to your strategy to change the financing strategy.
  - **Start from scratch** for manual control, the same as when creating a rule.
3. When you're done, click Save Rule.

## Create custom rules

You can create your own custom rules for your technicians to use in the field. Unlike some other providers, GreenSky's rule wizard asks you to select business units directly in the **Set Details** step, rather than only inheriting them from the account.

1. On the GreenSky page, in the Rules section, click Add Rule (or the Add button next to an account under "Quick-start rules for your accounts"). This opens the Create Financing Rule wizard.![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924821181.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
2. **Set Details** - Enter a **Rule Name** and select the Business Units this rule applies to. Click **Next**.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924821567.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
3. **Strategy** - "The Plan Optimizer uses your strategy selection to tailor plans to your preferences and business goals." Choose **Conservative**, Balanced (Recommended), or Aggressive.

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924821753.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)

- An Expected Results chart shows relative Dealer Fees, Profit Margin, Conversion Rate, and Average Ticket Size for the selected strategy.
- Click Next.

1. **Select Plans** shows the **Plan Optimizer** results directly: recommended tiers with Total Spend, Average Dealer Fee, Customer's Monthly Price, and a plan count, with a "start from scratch" link if you'd rather build tiers and select plans manually instead:

![](https://cdn.document360.io/961862ab-d0f2-4d91-bb62-a62ee8184eff/Images/Documentation/base64-converted-image-1790924822115.png?sv=2026-02-06&spr=https&st=2026-11-09T11%3A30%3A33Z&se=2026-11-09T12%3A30%3A33Z&sr=c&sp=r&sig=OQKLL5BIXJhReEC%2BDECKjrj6pOG1IZkoiHu867rU8Js%3D)
  - **Your Strategy**
    - Your chosen strategy is shown (**Your Strategy: Balanced**, for example) with a pencil icon to change it, a "Why these plans?" link, and a "start from scratch" link if you'd rather build tiers and select plans manually instead.
  - **Tiers**
    - Use **Expand All / Collapse Al**l or click a tier to view/edit it.
    - Each tier is collapsed by default, showing Total Spend (e.g. $0 to $12,999), Average Dealer Fee (e.g. 9.25%), Customer's Monthly Price range (e.g. $0.00 to $285.98/month), and a Plans count (e.g. "2 plans selected"). Click the chevron on a tier (or Expand All) to open it.
      - Inside an expanded tier, under Plans ("The primary plan is used to calculate monthly costs when presenting estimates to customers."):
      - A table lists each selected plan with columns Plan, Description, APR, and Contractor Fee (for example: Plan 2786, marked Primary, "Fixed Rate Plan 2786. 9.99% APR for 96 months." - 9.99% APR, 12% Contractor Fee; Plan 1069, "Mixed Rate Plan 1069. 8.94% APR based on 0% interest rate for 6 months with no Payments required during the Promo Period; then 120 monthly payments based on 9.99% interest rate." — 9.99% APR, 6.5% Contractor Fee).
      - Click **Edit Tier** to change the tier's spend range or which plans are included.
    - Click **+ Add** Tier for another.
2. Then review or edit the Plan Optimizer's recommended tiers (or start from scratch to build manually).
3. Click **Save Rule** once you've finished. You can view your rule in the GreenSky page's **Rules** section.

## Edit a custom rule

1. On the GreenSky page, in the Rules section, click the custom rule's name (a clickable link) to open it.
2. Edit the rule's name, business units, strategy, or tiers/plans as needed.
3. When you're done, click Save Rule.

## Want to learn more?

- Visit ServiceTitan Academy courses for GreenSky® Custom Rule Financing for [Office Users](https://servicetitan.docebosaas.com/academy/learn/courses/339/greensky-custom-financing-for-office-users) and [Mobile Users](https://servicetitan.docebosaas.com/academy/learn/courses/405/greensky-custom-financing-for-mobile-users)

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

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)

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)

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)

Integrated payment processing within ServiceTitan for collecting credit card, ACH, and financing payments in the field or office.

**What it does:** Eliminates third-party payment friction by letting techs collect payment on-site via the mobile app, with funds deposited directly.

**Also called:** In-app payments, Field payments

**Tags:** Core

[See the full glossary →](https://help.servicetitan.com/docs/glossary-overview)

**a.k.a.** ServiceTitan Payments