Skip to content
English
Contact Us
Go to the JobNimbus Toolbox
  • There are no suggestions because the search field is empty.

JobNimbus Financing - Frequently Asked Questions

Learn about JobNimbus Financing's cost, eligibility, and payout timing before you turn it on.

On This Page

What is JobNimbus Financing?

A way to offer homeowners a monthly payment plan right on the estimate. They apply and accept without leaving the estimate, you do the job, and you get paid by ACH once they confirm the work is done. The loans are funded by the integrated lender/lending platform. Your side of it runs in JobNimbus. Check out What is JobNimbus Financing? for a more detailed overview.

What lenders are currently integrated into JobNimbus Financing?

Wisetack is currently the first partner to offer financing (through their lending partners) with the full JobNimbus Financing integration, with more lenders planned in the future. Wisetack funds and services the loan; JobNimbus is where you offer it, apply for it, and track it.

What's the difference between adding my own financing option to an Estimate and JobNimbus Financing?

Before JobNimbus Financing, you could add your own lender's financing option to an estimate, or use the existing Sunlight Financial integration, both are still live and supported today. JobNimbus Financing is the newer, broader capability: it's the full loan lifecycle (offer, apply, approve, and track) running entirely inside JobNimbus with a lending partner, so you and the homeowner never have to leave the job to do any of it.

I already offer financing through another provider. Do I have to switch?

No. JobNimbus Financing is an option that sits alongside what you're already using. You control which Estimates include it, and you can keep any other financing options you already have in place.

Do I need a Wisetack account already?

If you already use Wisetack outside JobNimbus, connect your existing account. Otherwise, you can create a new Wisetack account. You'll keep the same lender relationship with fewer steps. If you don't have one yet, you can apply from inside JobNimbus. Check out How Do I Connect My Wisetack Account? to get started.

What do I need to get approved?

Your company's Federal EIN, basic information on anyone who owns 25% or more of the business, and a business bank verification. There's no personal credit check on the business itself. See How Do I Connect My Wisetack Account? for the full setup steps.

Does checking a customer's eligibility affect their credit?

No. Your customer sees what they qualify for through a soft credit pull or "Prequal", which doesn't affect their credit score. There's no impact until they sign a loan agreement. At that point, it's reflected on their credit report.

What does JobNimbus Financing cost?

Nothing from JobNimbus. There's no setup fee, subscription, or per-transaction charge. Wisetack charges a flat dealer fee when the loan pays out to you, which is standard for offering financing.

What size Jobs can be financed?

JobNimbus Financing covers Jobs between $500 and $65,000, depending on your approval level and the customer's credit.

Can I send financing from the Mobile App?

Yes. Prequals, loan applications, status tracking, QR codes, and payment requests all work in the Mobile App. This means your reps can send applications from the field.

Do I have to offer financing on every Job?

No. You choose which Estimates include a financing option.

How does my customer apply for financing?

Your customer applies and accepts terms from wherever you add financing:  a specific Estimate or a PreQual link sent from the Financing tab on the Job. Check out How Do I Add Financing to an Estimate? to learn how to turn it on.

When do I get paid?

You're paid once the Job is done and your customer confirms it. Send the confirmation from inside JobNimbus. This texts your customer to confirm the work is finished, and the ACH transfer starts the next business day. It typically lands in one to three business days, depending on your bank.

What if the customer loses the application link?

Open the loan and select Resend Loan, copy the link, or have the customer scan the QR code in person.

Where do I see the status of a loan?

On the Job record. Applications, approvals, and payments all live with the Job, so anyone on your team can check without logging into a separate portal. Check out How Do I Track Financing and Get Paid on a Job? for the full record and status details.

Note: All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $1,200 purchase could cost $104.89 per month for 12 months, based on an APR of 8.9%, or $400 per month for three months, based on a 0% APR. Offers range from 0% to 35.9% APR based on amount requested and creditworthiness. Not all merchants and lenders participate in 0% interest programs. State interest rate caps may apply. No other financing charges or participation fees apply. See additional terms at wisetack.com/faqs.