Wisetack lets your customers pay for bigger jobs over time while you get paid in full. Your customer applies on their phone, gets a decision in seconds, and checking their offer doesn’t affect their credit score. Wisetack collects the monthly payments, not you.
Who can use it
Wisetack is included on the Startup, Grow and Plus plans. It isn’t available on Solo.
The Setup & Manage Financing page appears in Settings once your account qualifies: you’ve invoiced more than $12,500 in at least one month over the past year. If you don’t see it yet, keep invoicing in LawnPro and it will show up after a month that passes $12,500.
Wisetack is available to businesses and customers in the United States only.
Apply
Only the account owner can apply.
1. Go to Settings → Setup & Manage Financing.
2. Click Sign up Now. Wisetack’s application opens. It takes about 5 minutes.
3. Wisetack reviews your business, which can take up to 5 business days. Wisetack looks at things like time in business and your online reviews.
The page shows your status: Submitted and Under Review, Incomplete (click Complete Sign up to finish), Declined or Approved.
Offer financing to a customer
Financing is available on balances from $500 to $25,000. For larger jobs, the application is for $25,000 and the customer pays the rest another way.
On estimates: prequalification. Customers who open an estimate in their customer portal see Or as low as $X/month with Wisetack and a Qualify Now button. To send it yourself, open the estimate and click Send Pre-Qualification, or click Send Prequalification on the customer’s profile. Wisetack texts the link to the mobile number you enter. Prequalifying shows the customer how much they can borrow, without a hard credit check.
On invoices: financing application. Open the invoice and click Send Financing Application, then enter the customer’s mobile number. Wisetack texts them the application. You can also send one for a customer’s whole outstanding balance from the Outstanding section of their profile.
When you create an invoice: turn on Ask to send Wisetack financing application when creating an invoice over $500 on the Setup & Manage Financing page. LawnPro will then ask, each time you create an invoice of $500 or more, whether to text the customer an application.
In the customer portal: customers with an outstanding balance of $500 or more see See Financing Options and Qualify Now on their portal dashboard and Payments page.
Financing is not added to invoice PDFs or invoice emails. Use the buttons above to send it.
A link stays the same for a while: LawnPro reuses a customer’s prequalification link for 14 days and a financing application link for 60 days. To resend one, copy it from Finances → Wisetack Financing.
Track applications
Go to Finances → Wisetack Financing. The Prequalifications tab lists each customer’s prequalified amount, status and estimate. The Financing Applications tab lists the requested and approved amounts, status and invoice.
Statuses: Pending, Approved, Authorized (the loan is confirmed), Paid, Declined, Expired, Canceled.
How you get paid
When the customer accepts their loan terms and confirms the work is complete, the loan is confirmed. LawnPro then records a Wisetack Payment on the invoice for the approved amount automatically. You don’t need to record it yourself. If the loan wasn’t for a specific invoice, the payment is added as a credit on the customer’s account.
Wisetack sends the money to your bank account. Wisetack says funds are sent within 3 business days after the customer confirms.
If you change an invoice after sending an application, the loan amount doesn’t change. Contact Wisetack to adjust or cancel a loan.
What it costs
Wisetack charges your business a fee on each financed job. Wisetack lists it as 3.9% on standard plans, and up to 9.9% if you offer longer 0% APR promotional plans. Your exact rates are in your Wisetack merchant agreement. There’s no LawnPro fee.
For your customer, all financing is subject to credit approval and terms vary. Rates range from 0% to 35.9% APR depending on the amount and their credit. See Wisetack’s FAQ for current terms.
Turn it off
Before you apply, you can hide the financing banners in LawnPro by turning off Show Wisetack Financing Feature on the Setup & Manage Financing page. Once you’re approved, there’s no switch in LawnPro to turn financing off. Contact Wisetack to pause or close your account.
Wisetack support
For questions about your application, a customer’s loan or payouts, contact Wisetack: support@wisetack.com or 1-833-927-0333 (call or text), Monday to Friday 9 am–8 pm ET and Saturday 9 am–6 pm ET.