How to Add Financing to Your Website, Quotes, Invoices, and Follow-Up
Offering financing does not require you to rebuild your sales process.
In many cases, the simplest approach is to make your financing application available at the points where customers already make decisions: your website, proposals, estimates, emails, text messages, invoices, and follow-up communications.
Flexxbuy provides merchants with a branded application page and link that can be placed on a website, sent directly to a customer, or shared anywhere a normal link can be shared.
The key is deciding where the link should appear and how your team should introduce it.
One link, multiple customer touchpoints
Start With the Customer Journey
Before adding financing everywhere, identify where customers typically encounter price.
For many high-ticket businesses, those moments include:
- Reviewing a service page on the website
- Receiving a proposal or estimate
- Discussing a treatment or project
- Receiving a quote by email
- Reviewing an invoice
- Following up after not making an immediate decision
These are natural opportunities to make financing available because the customer is already considering the cost and how to move forward.
You do not need to make financing the focus of every interaction. It should be easy to find when relevant.
For more guidance on choosing the right moment, see when to offer financing to customers.
Add Financing to Your Website
Service Pages
If you offer high-ticket services, consider adding a financing call-to-action near the main inquiry or consultation button.
For example: Financing options available. Explore financing for your project or service.
Pricing or Cost-Related Pages
If your website includes pricing information, cost ranges, service packages, or a page explaining how payment works, financing can be positioned alongside the other payment information.
Possible button language includes Explore Financing, View Financing Options, Apply for Financing, Financing Available, or See Financing Options.
Navigation or Footer
Some businesses may also want a persistent financing link in the website navigation or footer, especially when financing applies broadly across multiple services.
A simple label such as Financing Options is usually enough.
Keep the language straightforward
Avoid wording that suggests guaranteed approval or a specific payment amount.
Add Financing to Quotes, Proposals, and Estimates
A proposal or estimate is one of the most natural places to introduce financing because the customer is seeing the total price.
You can include a short financing section near the pricing summary or next-step instructions.
Proposal wording
“Payment Options: You may pay directly or explore financing through our financing application.”
Alternative proposal wording
“Prefer to explore financing? Use our financing application to review any options that may be available.”
Estimate wording
“Your estimate is attached. If you would like to explore financing before making a decision, you can use the application link below.”
Keep price and financing separate
Your proposal should still clearly communicate the total cost. Financing is a way to explore payment options, not a replacement for presenting the price.
If your team needs a broader framework for these conversations, see How to Offer Financing.
Send the Financing Link by Email
After Sending a Quote
“I've attached your quote for review. If you would also like to explore financing, you can use the application link below.”
After a Consultation
“Thanks for speaking with us today. I've included the information we discussed below. If you would like to explore financing as part of your decision, here is our financing application.”
During Follow-Up
“I wanted to follow up on the proposal we sent. If paying the full amount at once is part of the hesitation, we can also provide a financing option to explore.”
Keep it optional
You are providing access to financing, not assuming the customer needs it.
If price hesitation is part of the conversation, the guide on presenting financing without discounting your price provides additional wording examples.
Share Financing by Text Message
Text can be useful when your business already communicates with customers by SMS. Keep the message short.
Simple version
“Here is the financing link we discussed: [LINK]”
Another version
“If you would like to explore financing for your project, you can use this application link: [LINK]”
If financing was not previously discussed
“Thanks for reviewing the estimate. If you would like to explore financing before deciding, here is the application link: [LINK]”
Avoid overpromising
Do not text claims about approval likelihood, expected terms, or specific payment amounts.
Add Financing to Invoices
An invoice can also be a useful financing touchpoint, particularly when the customer has already agreed to the work but still needs to determine how to pay.
A financing section could appear near the payment instructions.
Keep the invoice amount unchanged unless your normal business process requires otherwise. The financing link should give the customer another payment path, not create confusion about the amount due.
Use Financing in Follow-Up
Follow-up is one of the most important places to use financing thoughtfully.
A customer may delay a decision without clearly saying why. Rather than immediately offering a discount, your team can mention financing as one possible option.
Proposal follow-up
“I wanted to check in and see whether you had any questions about the proposal. If the total payment is part of the concern, we also have a financing application you can review.”
Estimate follow-up
“Just following up on the estimate we sent. If you are still considering the project and would like to explore financing, I can send you the application link.”
The language should remain conversational and non-assumptive.
Sales teams can also use the training framework in How to Train Your Sales Team to Offer Financing Naturally to standardize who sends the link and how follow-up is handled.
Consider Using a QR Code
A QR code can provide another way to access your financing application when customers are interacting with your business in person or with printed materials.
Because your Flexxbuy application is available through a normal link, a business may choose to create a QR code that directs to that link.
Possible placements include printed estimates, counter signage, brochures, appointment materials, trade-show materials, service folders, and printed proposals.
For example: Explore Financing — Scan to access our financing application.
A QR code is optional. It is simply another way to distribute the same application link.
Make sure the code is tested before publishing or printing it.
Choose Clear Financing Language
Good Examples
- Explore Financing
- Apply for Financing
- View Financing Options
- Financing Available
- Explore Payment Options
- Use Our Financing Application
Language to Avoid
- Guaranteed Financing
- Guaranteed Approval
- Everyone Qualifies
- Get Approved Instantly
- Your Payment Will Be ___
- You Will Qualify
Your business does not control the lender's underwriting decision. Flexxbuy enables businesses to offer financing, but Flexxbuy itself is not the lender and does not underwrite applications.
For a deeper explanation of the lender's role, see Third-Party Financing for Customers.
Explain the Process Simply When Customers Ask
Your staff does not need to explain every detail unless the customer asks.
A simple explanation can be: “We can send you our financing application. You complete the application and if pre-approval offers are available, you can review them and decide whether you want to proceed.”
If additional detail is useful, your team can explain that the initial submission uses a soft credit pull. A hard credit pull occurs only after the applicant selects an offer and proceeds with that lender.
The merchant can see available offers and status information in the Flexxbuy portal as the customer sees them.
After final funding, the merchant collects payment directly from the customer using the financing proceeds.
The important point is to explain the process accurately without predicting what a lender will offer.
For a focused explanation of the inquiry sequence, see Soft Credit Pull vs. Hard Credit Pull.
You Do Not Need to Build Financing Into Every Step
The goal is accessibility, not saturation.
For some businesses, a website button and proposal link may be enough. Others may benefit from including financing in several places.
Website
Place a financing button where customers naturally consider cost.
Proposal
Include the link near payment information or next steps.
Follow-Up
Keep the option available in email or text communication.
Invoice
Offer financing as another path alongside normal payment instructions.
Think about where customers most commonly encounter price friction and start there. You can then adjust placement based on how customers actually interact with your business.
A Simple Implementation Example
Website
The service page includes Explore Financing, linked to the branded application page.
Estimate
“If you would like to explore financing for this project, use our financing application here: [LINK]”
Follow-Up
“If paying the full amount at once is part of the hesitation, you can also explore financing using this link: [LINK]”
Invoice
“Financing options may be available. Access our financing application here: [LINK]”
The same financing link can support multiple customer touchpoints without requiring a different process for each one.
Keep Your Process Consistent
Once you decide where financing should appear, document the process for your staff.
A simple internal checklist might be:
- Use the approved financing link.
- Use consistent button and message wording.
- Do not promise approval or specific financing terms.
- Mention financing when it is relevant to the customer's decision.
- Include the link in the approved website, proposal, estimate, or follow-up locations.
- Check the Flexxbuy portal when status information is needed.
- Let the customer make the decision about whether to proceed with an available offer.
Consistency helps keep financing simple for both your team and your customers.
Make Financing Easy to Find
Offering financing to your customers is most useful when the option appears at the right point in the buying process.
You do not need to turn every page, quote, or conversation into a financing pitch. Instead, identify the places where customers already encounter the total cost and give them a clear way to explore another payment option.
Flexxbuy provides a branded application link that can be used across these touchpoints.
Businesses that want a broader view of how financing can fit into their payment strategy can also explore Customer Financing Solutions.
See the Broader Merchant and Customer Process
Flexxbuy provides a branded application link that can be used across these touchpoints. To see the broader merchant and customer process, visit How It Works.
