How to enable homeowner financing on proposals and service quotes

On bigger residential jobs, cost is often the biggest barrier. With homeowner financing, powered by Intuit Credit Karma, you can offer your customers a simple “pay over time” option right on your proposals. The best part? You can include financing options on all of your proposals at no cost to you, with zero extra admin. You get paid as usual, and your customers get flexibility.

Here’s how it works:

• Automatically include financing options for jobs between $2,000 and $75,000, directly on your Knowify proposals.
• Your customers can browse personalized lending options from Intuit Credit Karma, apply in less than 10 minutes, and receive funds in as little as 1 day.
• You get paid directly on your schedule, just like always. 

Note: Homeowner financing is only available for Knowify users based in the U.S.

Here’s how to use homeowner financing from Knowify + Intuit Credit Karma

Step 1: Enable homeowner financing in your account settings

Go to Admin > Customize > Integrations > Homeowner financing by Intuit/CreditKarma, and select an option from the dropdown menu to get started. (You'll only have to set this up once.)

• Enabled - Included by default will include financing options on all proposals between $2,000 - $75,000 by default. You’ll still have the option to hide financing options when sending each proposal. We recommend this option if a majority of your work is with homeowners.
• Enabled - Not included by default will show you the option to add homeowner financing options to each proposal between $2,000 - $75,000, but it will be toggled off by default. We recommend this option if you do a balanced mix of commercial and residential work.

Step 2: Add financing options to a proposal or service quote

Once enabled, you’ll see the option to Show intuit/Credit Karma financing options when sending out a proposal, change order, or service quote between $2,000 - $75,000.

1. Create a proposal, change order, or service quote, and select Send out for signature.
2. Under Advanced settings, check the box to Show intuit/Credit Karma financing options.
3. When you’re ready, click Send email to send the proposal or service quote out to your customer.

Step 3: Customer reviews loan options and applies for financing

When your customer clicks View proposal in the email, they’ll be taken to the e-signature portal where they’ll have options to Accept & Sign, Request Revision, or Decline.

If enabled, your customers will also see an estimated loan offer (“as low as $___/mo* with Intuit Credit Karma”) and an option to See loan options.

Clicking See loan options will take your customers to a financing portal, where they can browse multiple personalized offers from lenders via Credit Karma, without impacting their credit.

Note: Credit Karma pulls in personalized loan options by matching the email address on file for your client in Knowify with known Credit Karma members. To ensure accuracy, make sure your customer email address is up to date in your Knowify Client database.

If your customer is not already a Credit Karma member, they will see an estimated monthly payment amount based on the amount of the proposal. To proceed, they will be prompted to create a Credit Karma account to view and apply for personalized loan options.

Clicking Continue will take them directly to the lender’s website where they can apply for financing in as little as 10 minutes.

Step 5: Your customer gets funded, and you get paid as usual

If approved, funds are deposited directly to the homeowner — often within 1 business day.

You will continue to work directly with the homeowner to get paid. Send your invoices through Knowify, just like always, and the homeowner can use their loan funds to pay you directly.

The result? You’ve closed the job faster, helped your customer afford the work, and avoided all financing headaches.

Need help getting set up in Knowify? Contact us at [e-mail].
For help with the Credit Karma marketplace, contact Intuit support at [e-mail]