They spread it. You get paid.
Offer finance on the jobs a customer cannot settle in one go. They pay over time through an authorised lending partner, and you are paid for the work you completed.
Get startedFinance, offered where you already sell.
A boiler, a full heating system, a roof, a rewire or a bathroom is more than most households can settle in one go.
Planramp Finance puts a payment option in front of that customer while you are still quoting, so the decision is about the work and not about the timing.
Where it fits in the job
- Offer it with the quoteFinance sits beside the price you have already given, in the same conversation, on the same day.
- The customer appliesThey answer the lending partner's questions and get a decision. You can see where the application has got to without collecting any of it yourself.
- Do the workThe job is booked and completed exactly the way any other job of yours is.
- Get paid for the jobYour customer signs the finished job off, and the lending partner pays you. Their repayments run to the partner over the months after that, so your money is never tied to their schedule.
- Keep the customerThe same customer can join your servicing plan on the same record, so the installation starts the relationship instead of ending it.
Your work, their lending, our software.
You quote the job, set the price and do the work. Authorised lending partners make the credit decision, run the affordability assessment, hold the agreement with your customer and collect the repayments. Planramp provides the software that carries the offer from your quote through to their decision, and keeps the result on the customer's record beside everything else you hold about them.
Not a separate application.
A standalone finance provider knows one thing about your customer, which is the application in front of it. Planramp already holds the customer, the property, the quote, the job, what has been paid and any plan they are on, so the finance attaches to a customer record instead of being filed on its own. One customer, one history, one place to look.
What changes for you
While you are quoting
- A stalled quote
- The customer has another way to say yes to the same job.
- Repair or replace
- A customer weighing the two has one fewer reason to pick the smaller piece of work.
When the job is done
- Getting paid
- Your customer signs the job off and the lending partner pays you, so you are never running a payment plan of your own.
- Repayments
- Not yours to do. The agreement is with the lending partner and so is the chasing.
And afterwards
- The next plan
- The same customer can move onto your servicing plan, on the record you already have.
- The record
- The quote, the job, the finance and the plan sit against one customer instead of in four systems.
Financing sits beside the rest of Planramp rather than on its own. The service plans are the other line: what the same customer can move onto once the installation is done, on the record you already have.
What service plans doQuestions about financing
Who decides whether my customer is accepted?
The lending partner does. Planramp shows you where the application has got to. The decision, the affordability check and the agreement are all theirs.
When am I paid?
Once the job is done and your customer has signed it off, the lending partner pays you. Their repayments then run to the partner over the months that follow, so your money is not waiting on their schedule.
What happens if my customer is not accepted?
The job is still yours to win another way, and nothing else about that customer changes. The decision belongs to the lending partner, and the outcome sits on the customer's record so you are not ringing round to find out.
Do I have to chase the repayments?
No. Your customer's agreement is with the lending partner, and collecting on it is theirs to do.
Who does my customer speak to about their repayments?
The lending partner. The agreement is with them, so the statements, the payment dates and anything your customer wants to change about them are theirs to handle.
What can I offer finance on?
Higher value work: boiler and heating installations, roofing, electrical upgrades, bathrooms and larger repairs or improvements. Which jobs qualify is set by the lending partner, not by us.
Can I choose which jobs to offer it on?
Yes. It is there when a job is big enough for a customer to want it, and out of the way when it is not. Nothing obliges you to raise it on work that does not need it.
Does this replace my service plans?
No, it sits beside them. Finance covers the one-off installation and the plan covers what happens afterwards, and both hang off the same customer record.