Offer GreenSky® loans to customers through Online Estimates

Overview

When you set up GreenSky® loan options in ServiceTitan, technicians and office employees can offer Financing to customers by emailing them a link to their estimates in an online portal. Customers can select from available financing plans in the portal as well as apply for a GreenSky® loan. By entering a loan amount, they can see what the monthly Payments would be for the available plans, which also determines which plans a customer qualifies for.

Before using this feature

Before using this feature, you first need to:

• Set up online estimates - You can customize your Invoice email template to include the {OnlineEstimateLink} text.

• Get started with GreenSky® Custom Financing - You can create default and custom financing rules for plans you want to offer customers.

Enable GreenSky® in Online Estimates

1. Go to the navigation bar and click Settings .

2. In the side panel, click Integrations > Financing.

3. Click the Settings tab (one of three tabs on the Financing page, alongside Providers and Pre-qualifications).

   

4. Under Presentation, check Allow customers to apply for financing through online estimates. This reveals an Online Estimates Provider dropdown.

5. From the Online Estimates Provider dropdown, select GreenSky.

   

6. Click Save.

The GreenSky integration is now automatically included on all estimates accessed through the Online Estimates Portal.

Invite customers to complete the GreenSky® application

You can invite customers to complete a GreenSky® application by emailing them a link to view their estimates online, which can be done from both the mobile and office versions of ServiceTitan. For more information, see Use Online Estimates.

Online estimates workflow for GreenSky® financing

When a customer opens an online Estimate, they can review the proposal options and apply for GreenSky® financing directly from the Online Estimates Portal. If the customer already has a pre-qualification on file, the portal displays a banner at the top of the page (for example, "You're pre-qualified for up to $14,500.00") with a Continue to Credit Application button that takes them straight to the full application. Each proposal option that qualifies for financing shows an estimated monthly payment (for example, "Est. monthly payment of $40.20/mo for 96 mo") along with a See If You Pre-qualify link and a Financing Terms link, next to a View button and a Sign & Accept Estimate button.

1. Send an estimate email to a customer, which includes an estimates link to the Online Estimates Portal.

2. When the customer clicks the estimates link, the portal opens showing their estimates.

   Note: Customers can click the See If You Pre-qualify link to check their eligibility without affecting their credit score, or click Financing Terms to view the plan's terms and conditions. They can also click View to review the full estimate details, or accept an estimate by clicking Sign & Accept Estimate. For more, see Use Online Estimates.

   

Step 1: Pre-Qualification Request (soft credit check)

If the customer does not already have an active pre-qualification, clicking a proposal's financing link opens the GreenSky® Program Pre-Qualification Request flow. This is a soft-pull check that does not affect the customer's credit score:

1. Select a Plan - The Desired Financed Amount is pre-filled from the proposal total (editable via the pencil icon). The customer chooses between the plans available for that amount, for example: "Lowest Payment / Mixed Interest" (e.g., $0/mo for the first 6 months, then a set monthly payment for the remaining term, with a Max APR and a description such as "No interest and no payments during 6 month promo period") or "Fixed Rate" (a flat monthly payment for the full term, with a Max APR and description such as "Fixed monthly payments"). Each plan card shows Min. Payment, Max APR, Description, and a View Terms link. The customer clicks Select Plan.

   

2. Secure your application - The customer enters a Mobile Phone Number and Email (with a consent checkbox for contact) and clicks Continue. A verification code is sent by text and email.

   

3. Enter your code to continue - The customer enters the 4-digit code sent to their phone/email (the code expires after about 15 minutes; a countdown timer displays, and a Resend Code option is available) and clicks Submit.

   

4. Applicant - The customer completes Personal Information: First Name, Last Name, Email Address, Primary Phone Number, Date of Birth, Social Security Number, Gross Annual Income, Income Type (dropdown), and Preferred Language (English/Spanish), then clicks Next.

   

5. Job details - The customer enters the service address (Address Line 1, City, State, Zip), selects a Residence Type (Own with mortgage / Own outright / Rent), and selects an Improvement Type (dropdown), then clicks Next.

   

6. Co-applicant - The customer answers "Is there a co-applicant?" (Yes/No) and clicks Next.

   

7. Disclosures - Under the heading "Prequalify with no impact to your credit score!", the customer checks a Disclosure Agreement box and agrees to Terms of Use, Privacy Notice, Consent to Electronic Records, and FCRA authorization for a soft credit inquiry. A View terms link is available. The customer clicks Submit Application.

   

8. Reviewing your information - A progress screen shows "Application Submitted - Your request has been sent" (checked) followed by "GreenSky® is Reviewing Now - Checking if you qualify for GreenSky® financing offers" (in progress).

   

   The pre-qualification outcome then displays: "Congratulations! Your pre-qualification request was approved by GreenSky® Program," showing a Pre-Qualification ID, Date, Loan Amount, Available Credit, Term, APR, and Plan Description, with a Continue to Application button.

   

Step 2: Apply for Financing with the GreenSky® Program (full credit application)

Whether the customer arrives here via Continue to Application (after pre-qualifying) or via Continue to Credit Application (using a saved pre-qualification from the portal banner), this step is the full credit application and involves a hard credit inquiry.

• Select a Plan - The same plan-selection screen as Step 1 (Desired Financed Amount, plan cards with Min. Payment/Max APR/Description), used to confirm or choose the plan for the actual application.

  

• Applicant - The same Personal Information fields as Step 1, now including the previously-entered Social Security Number, Gross Annual Income, and Income Type.

  

• Job details - The same fields as Step 1, now including the previously-selected Residence Type and Improvement Type.

  

• Co-applicant - The same Yes/No question as Step 1.

  

• Disclosures - The same consent and Turns Financing second-look disclosure as Step The customer clicks Submit.

  

The loan decision then displays: "Congratulations! Your loan application was approved. Review your loan details and continue to sign and accept the offer," showing Loan Details (Application ID, Date, Loan Amount, Term, Max APR, Monthly Payment, Plan Description). The customer can then click Next.

The customer clicks Accept Offer.

After accepting, a confirmation screen displays: "You accepted the offer! Loan agreement documents and instructions to activate the loan have been emailed and texted to [Email] and [Phone Number]," with a Done button.

Loan decision outcomes

After GreenSky processes an application (pre-qualification or full application), one of the following outcomes is returned, which can take a few minutes depending on the internet connection:

• Approved: The pre-qualification or loan was approved. For a pre-qualification approval, the customer can continue to the full application. For a full application approval, the customer must click Accept Offer to activate their account.

• Declined: The application was declined by GreenSky®. Per the confirmed Disclosures text, the customer's information may then be forwarded to Turns Financing for a second-look soft-pull offer. For further guidance, please contact GreenSky®.

• Pending: The application is under review. Please contact GreenSky® to complete the application process.

Once accepted, the customer is sent an email with the loan agreements and instructions on how to activate their account.