According to Floorzap's 2026 State of the Retail Flooring Industry Report, 80% of flooring retailers now offer customer financing, but most use it on fewer than 5% of their sales.
Having access to financing stopped being a differentiator a while ago. The retailers closing high-ticket jobs consistently are using it at a different point in the conversation: earlier, before the price has a chance to become the reason a customer walks.
Most flooring dealers already have access to some form of financing. The problem shows up when a customer hesitates at the total and the retailer scrambles to introduce it in that moment.
They pull up a separate website, log into a different system, and try to walk the customer through an application. By the time a prequalification link arrives by email, the in-home close window is already closing, or the customer has left the showroom.
Standalone financing portals were built for back-office processing, not for showroom or in-home sales. Switching out of your Floorzap quote into a separate login is exactly the kind of friction that turns a strong close into a follow-up that never converts.
Floorzap's consumer financing integration with Wisetack is built directly into the lead, quote, invoice, and payment collection workflows. There is no separate portal and no secondary login.
From the quote screen, you send the customer a prequalification link by text or email. They enter a few details; the process takes about 60 seconds. Wisetack returns available terms using a soft credit check. If they accept, you collect the deposit on-site. The loan is tracked in Floorzap alongside the quote and the job.
Wisetack's data shows up to a 20–30% close rate uplift when a monthly payment option appears on the quote, with 85% of applicants approved on average and average job size running 4.5x larger when financing is used. The approval rate is worth sitting with: most customers who qualify could pay upfront and prefer not to. Showing a monthly payment option early changes what they're comparing.
Enrollment runs inside your Floorzap account and takes about 3 minutes. Go to Admin → Customer Financing Status. Complete the short enrollment form with your basic business information and a few verification fields, then submit. Once Wisetack approves your account, there is no waiting period to start sending prequalification links.
If you are not sure whether financing is already active, the Customer Financing Status page shows your current enrollment state.
The sequence that works: measure, build the quote in Floorzap, go through scope, then introduce the monthly payment option before you hand over the total.
"We also offer financing through Floorzap. Want me to send you a quick link to check your rate? It takes about 60 seconds and won't affect your credit."
One of Floorzap's customers describes what it means to close before the price conversation starts: "We would measure, confirm product selections, get it signed... before the competition ever showed up." That window is only open while you are in the room. Once a customer leaves without committing, the conversation shifts from monthly payment options to total price across multiple quotes.
The dealers using this most effectively do not reach for financing after a customer hesitates. They offer it early as a choice, the same way they would mention they accept credit cards. The framing is the difference: this is flexibility, not a lifeline.
For more on how financing affects close rates at different job thresholds, see whether offering financing actually increases flooring close rates.
For dealers managing cash flow across multiple active jobs, the Wisetack payout timing fits into that picture too. This post on cash flow challenges in flooring businesses covers how payment timing affects dealers running 10 or more concurrent jobs.
Most consumer financing pays the dealer in a single payout once the job is complete, which means floating material costs until then. Wisetack's Progress Payments works differently: the customer's loan covers a deposit at the start of the job, and the remaining balance is released when the job is done. For dealers managing larger jobs or running several projects at once, not carrying that material cost to the finish line is a meaningful operational difference from how most financing partners handle payouts. Progress Payments requires a brief separate enrollment through Wisetack and isn't approved for every dealer, but if cash flow is a factor in how you take on jobs over $5,000, the application is worth a few minutes.
If you are regularly quoting jobs over $3,000 and the price conversation comes up more than you would like, consumer financing is the most direct thing to test. The Wisetack integration is already in Floorzap. Enrollment takes a few minutes. The question is whether the monthly payment option is showing up early enough in the conversation to change it.
Activate consumer financing in Floorzap →
How does Wisetack financing work for flooring contractors?
Wisetack is built natively into Floorzap, so there is no separate portal or login required. From the quote screen, you send the customer a prequalification link by text or email. They submit a short application and Wisetack returns available terms using a soft credit check. If they accept an offer, you collect the deposit and the loan is tracked in Floorzap alongside the quote and the job. You get paid 1 to 3 business days after the job is confirmed.
What does the enrollment process look like?
Enrollment takes about 3 minutes inside your Floorzap account. Go to Admin → Customer Financing Status, complete the short form with your business information, and submit. There is no extended waiting period once Wisetack approves your account; you can start sending prequalification links right away.
How quickly do I get paid?
You get paid 1 to 3 business days after the job is confirmed.
Does checking affect my customer's credit score?
Checking options does not impact your customer's credit score. Wisetack uses a soft pull for the initial prequalification.
What does financing cost me?
There is a 3.9% transaction fee on completed loans only. No platform fee, no monthly charge, and no cost if a customer applies but is not approved or does not accept terms. There is no cost to enroll.