Service Finance Company

What Service Finance Company is

Service Finance, part of Truist, runs financing programmes often tied to manufacturer dealer networks, which means attractive promotional terms are sometimes available through your equipment brand. Dealer approval and training is required, and the programmes are well understood by established contractors.

What it does well

• Manufacturer-aligned promotional programmes
• Established lender with strong approval capacity
• Mobile application for field use
• Broad home improvement category coverage

Integrates with

Manufacturer dealer portals · Contractor CRMs

Integration lists change often and "integrates" can mean anything from a real two-way sync to a one-way push through Zapier. Ask the vendor which fields move, in which direction, and how often.

Before you commit

• Compare total effective rate, not headline rate: interchange, assessment, platform markup, and chargeback handling.
• Surcharging rules vary by state and card network. Get the compliance answer in writing.
• For financing, know who pays the dealer fee and how it affects your margin on a promotional plan.
• Check approval rates across credit tiers — a lender that only approves prime leaves money on the table.
• Make sure deposits and progress payments are supported, not just pay-in-full invoices.

How to judge it in a trial

Run one real job through it end to end — not the demo data. Quote it, schedule it, do it, invoice it, take the payment. Then ask the only question that matters on day 400: did the people who have to use this every day find it faster than what they do now? Friction you notice in week one compounds forever, and tool-hopping costs more than any feature gap.