Acorn Financing

Articles in this section

Using the Homeowner Acorn Financing

  • Updated
Follow

Best Suited for:

  • US-based merchants with US-based customers
  • Back Office administrators
  • Accounting managers
  • Dispatch and sales teams
  • Users who send estimates, jobs, or invoices to customers

Important Information:

  • Acorn Financing is auto-enabled by default
  • No setup or configuration is required to begin using it
  • Financing options are visible to your customers within:
    • Email Communications
    • Text Messages (SMS)
    • Standard PDFs
  • If the estimate has more than one option, it will only show the first option's dollar amount
  • Homeowner applications take approximately 60 seconds
  • Competitive APRs through a network of over 30 lenders
  • Homeowners can apply for financing between: $1,000–$100,000
  • There is no cost to you, the merchant
  • Merchants receive a notifications when:
    • An offer is found
    • The customer is fully funded
    • A customer is denied
  • The customer pays the merchant directly
  • Financing has no impact on QuickBooks syncing

Important Terms:

  • SMS - Text message notifications
  • Standard PDF - Refers to the following:
    • Standard Estimate
    • Job/Work Order With Rates
    • Standard Invoice 
  • Auto-enabled - This feature is automatically turned on in the account, there is nothing you need to do to begin using it
  • Merchant - You, the Service Fusion user offering financing to your customers

Strategic Workflow:

  • Use financing to help customers accept larger projects more easily
  • Reach out to the customer once a Funded notification appears, to collect payment
  • If you prefer to disable financing, refer to the Disabling Acorn Financing article
  • Monitor Financing notifications within the Notification Bell for financing updates

Notifications within the Notification Bell:

  • Acorn Financing: Status update (NO OFFER)
    • Customer was denied
    • Customer may reapply in 30 days
  • Offer Found
    • Customer has been approved for a financing option
  • Funded
    • Customer has received financing
    • Merchant should reach out to collect payment

Process Description:

  1. Send Estimates, Jobs, or Invoices as normal
  2. Financing options appear automatically unless disabled
  3. Customers review the financing widget, apply, and receive instant decisions
  4. Merchant receives notifications of financing status
  5. Merchant collects payment once funds are issued to the customer

Step‑by‑Step Instruction:

Viewing Acorn Financing in Emails:

  1. Open the Send Email pop-up window
  2. Confirm Show financing options is selected
  3. Financing widget appears for Estimates, Jobs, and Invoices
  4. Attached Standard PDF also shows the widget

Viewing Acorn Financing in SMS/Text Messages:

  1. Open the Send Text Message pop-up window
  2. Select Show financing options within:
    • Estimates
    • Invoices
  3. Works the same as email controls

Note: SMS for Jobs does not support financing

Viewing Acorn Financing on Standard PDFs:

  • Selecting Download As PDF and choosing the Standard PDF shows:
    • Financing widget
    • QR code
  • Applies to:
    • Estimates
    • Jobs
    • Invoices
  • Not configurable

Viewing Acorn Financing on Printed PDFs:

  • Print With Rates - Shows financing widget with QR code
  • Print Without Rates - Does not show widget or QR code

Viewing Acorn Financing on the “Accept Estimate Online” Link:

  • When a customer opens the online estimate link, the widget and QR code appear
  • Behavior controlled by the checkbox within the Email/SMS send window

Where the Acorn Financing Widget Does NOT Appear:

  • Job SMS text messages
  • Custom Document PDFs
  • Standard PDF printed Without Rates
  • Downloadable Excel Files
    • May be considered for a future enhancement
  • Online Invoice Payment Links
    • Financing is intentionally excluded
    • These links are designed for immediate payment
  • Worker App
    • Planned for future release within the revised Worker App

Related articles