Customer Financing for Contractors

A $3,000 repair is an easier yes at $250 a month. When a customer pays a Workly invoice online, eligible jobs show a pay-over-time option through Stripe — and you’re paid in full up front; the financing provider handles the installments.

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A customer pays Invoice #1051 from Bayside Renovation, a $3,000.00 water heater replacement, online. The customer chooses Pay over time at $250 a month, with terms shown by the provider, over paying by card. The invoice turns Paid, and the contractor is paid $3,000.00 in full up front while the provider collects the installments.

Itemize the job first, then offer the plan

A customer weighing a bigger repair wants to know what the price covers. Send the itemized estimate, agree on any deposit, and let the financing option appear where it belongs — at checkout.

Review financing alongside the job cost

On the invoice, the customer taps Pay Now and sees card and financing side by side. The payment plan never muddies the scope.

Estimate #1047 from Bayside Renovation for Sarah Mitchell itemizes a $3,000 deck repair in three lines with a $500 deposit, which turns Deposit collected. On Invoice #1049 the same lines stay in view, the balance due drops to $2,500.00, and tapping Pay Now opens two payment options side by side: Card for $2,500.00 and Pay over time at $250 a month.

Let the customer review the available terms

The financing provider shows the schedule and any costs before the customer accepts; nothing is hidden in your invoice.

Availability depends on the amount, the customer and the provider. Not every job or customer will qualify, and that decision isn’t Workly’s to make.

Customer view: the financing provider's terms for Invoice #1049 from Bayside Renovation, $2,500.00. The schedule shows 10 monthly payments of $250.00, from Nov 20, 2026 to Aug 20, 2027, then the costs: 0.00% APR, $0.00 fees, $2,500.00 total of payments. The customer reviews them and taps Accept plan. Eligibility is set by the provider, not Workly.

Keep financing distinct from a deposit

A deposit is money you collect up front from the customer. Financing is the customer’s arrangement with the provider — you’re paid the full invoice either way.

Offer financing as a separate option

If financing isn’t offered, or the customer prefers to pay outright, every other method is right there: Pay Now by card, or Tap to Pay on iPhone in person. See payments.

Estimate #1047 from Bayside Renovation for Sarah Mitchell: a $500.00 deposit on a $3,000.00 job is collected up front and turns Deposit collected. On the payment screen for Invoice #1049, $2,500.00 balance due, Card and Pay over time are two separate options, and the customer picks Pay over time. Either way the contractor is paid the full $2,500.00; in person the contractor can also take Tap to Pay on iPhone.

Questions about customer financing

How does Workly provide customer financing?

Through Stripe. When the customer pays an invoice online, eligible transactions show a pay-over-time option from Stripe’s financing partners. You’re paid in full; the provider collects the installments.

Is financing available to every customer?

No. Eligibility and terms are set by the provider for each transaction.

Where does the customer see the repayment terms?

In the financing flow, before accepting — the schedule and any costs are shown by the provider, not buried in your invoice.

Make the bigger job an easier yes.