Field Tools — Financing & Loan Guide

Field View

Office View

Partner Setup

Job Amounts

Enter job amounts. Tap a slot to see financing options. Hit X to remove unused slots.

Select a Job AmountEnter a dollar amount above to see financing options.

Cost to Company Summary

Dealer fee breakdown across all entered job amounts.

Financing Partners & Plans

💰 Calculator

🏦 Lender Match

📊 FICO Table

📋 Profiles

📝 Loan Information

FICO Credit Score

680

300 Poor580670740850 Elite

Loan Amount

$15,000

$1,000$25K$50K$75,000

Loan Term

Score Health

PoorFairGoodV.GoodExcellent

FICO TIER

—

Adjust the slider above

Est. APR Range

—

Unsecured home project loan

Monthly Payment

—

Total Interest

—

Over full term

Approval Odds

—

🎯 Best Lender Match

💬 Talking Point for Your Tech

⬆️ What Score Improvement Would Save

Comparing monthly payments and total interest at your current score vs. one tier up — mid-range APR, selected amount & term.

Scenario	FICO	Est. APR	Monthly Pmt	Total Interest	Vs. Current

🏦 Lender Match for FICO 680

Based on FICO score set in the Calculator tab. Adjust slider there to update this view.

💬 Recommended Pitch

📊 Full FICO Reference Table — All Score Bands

Disclaimer: APR ranges and approval odds are illustrative industry benchmarks only. Actual rates depend on lender, term, DTI, employment history, and state. For educational reference only — not a credit decision.

Source: Lender data from publicly available industry reports, CFPB data, NerdWallet, Credible, WalletHub (2025–2026), and contractor community feedback. Verify current program terms with each lender before presenting to customers.

Getting Started

How to use Field Tools with your technicians

⚡ Step 1 — Set Up Your Partners

Go to Financing → Partner Setup. Your default lenders (Service Finance, Wells Fargo, Synchrony) are already loaded. You can:
• Toggle Visible on/off for individual plans
• Click Hide on a partner to remove them from Field View without deleting them
• Add custom partners and plans for your market
• Use Copy Team Link to share your setup with your whole team instantly

🔢 Step 2 — Enter Job Amounts in Field View

Go to Financing → Field View. Tap a colored job slot and type the job amount. Each slot gets a color (green, yellow, red, purple…). You can run up to 6 jobs side by side.

Tap a slot to see all eligible financing plans sorted by lowest monthly payment. The Lowest Payment and Lowest Interest cards appear at the top so you can lead with the best option at the table.

🏦 Step 3 — Use the Loan Guide for FICO Conversations

Switch to the Loan Guide tab. Set the customer's FICO score with the slider — you'll instantly see:
• Estimated APR range and monthly payment
• Which lenders are accessible at that score
• Full FICO tier table for comparison shopping
• Lender profiles with strengths and watch-outs

Use this to set realistic expectations before the customer applies.

📋 Office View — Dealer Fee Summary

Switch to Financing → Office View to see a cost-to-company breakdown across all jobs. This shows dealer fee impact by plan so the office knows the real margin on each financed job.

💡 Pro Tips

• Copy Field Link in Partner Setup sends techs a read-only version locked to Field View only — they can't edit plans
• Plans with a 0 pay factor are SAC (Same As Cash) — payment = amount ÷ term
• Service Finance goes up to 180 months (15 years) — great for large installs
• GreenSky prefers 650+ FICO; Wells Fargo is most trusted with homeowners but slowest to fund
• Bookmark this page on your phone home screen for one-tap access in the field