When customers use financing, they often approve a different version of the job.
New analysis of ServiceTitan platform data shows that financed jobs have a median ticket 64% higher than comparable jobs where customers did not use financing. The analysis compared jobs within the same contractor's business and to jobs identified as financing-eligible in the contractor's system. In other words, it's similar eligible work, within the same business, with different payment options.
The increase shows up across major trade categories. Plumbing contractors see the largest median increase at 75%. HVAC and electrical contractors each see a 66% increase. Specialty trades, including roofing, garage door, water treatment, and septic, see a smaller but still meaningful 12% lift on financed work.
Financing makes the fuller recommendation easier for customers to approve.
When contractors first see the lift number, it's easy to assume the increase is about pricing. But the pattern points to something different. A furnace doesn't cost more because a customer finances it. It can change whether the customer approves the short-term fix or the more complete solution.
Consider a homeowner with a 22-year-old HVAC system that finally fails in August. The technician on site can usually offer two paths. One option is the patch. This is a cheaper repair that keeps aging equipment running for another season or two. The other is a more complete solution. This means replacing the system, installing the high-efficiency unit the home actually needs, and potentially including the indoor air quality upgrades the family has already been considering.
Without financing, the patch often wins. With financing, the conversation changes. The customer can compare monthly payments instead of reacting to one large upfront number, so the full replacement becomes a real option instead of a stretch.
A basic water heater swap might become a properly sized tankless installation. A basic panel upgrade might include EV-ready circuits the homeowner already expects to need. A roof replacement might include gutters and ridge venting that round out the job.
At its best, financing helps customers choose the job that fully solves the problem.
The customer gets flexibility. The contractor can solve the problem.
For homeowners, financing can spread a large project cost over predictable monthly payments. For commercial customers, it can turn an unplanned capital expense into a structured payment schedule that is easier to manage within the operating budget. In both cases, the customer gets more ways to match the work to their cash flow.
For contractors, the benefit is a better path to the right-sized job. Financed jobs are more likely to reflect the full recommendation. This includes right-sized equipment, necessary upgrades, and fewer compromises, which may help explain the 64% difference.
Financing adoption is split almost evenly.
Across the ServiceTitan contractor base, 51% of contractors used financing in 2025 through ServiceTitan-integrated lender connections, external lender programs recorded on invoices, or both. Among Enterprise contractors, adoption reached 59%.
That adoption gap has real implications. Roughly half the industry is giving customers more ways to approve the full recommended job. The other half is still asking customers to make the decision based on the full upfront cost. Those two groups are competing for the same homeowners, the same commercial relationships, and the same repair-or-replace decisions.
ServiceTitan makes financing part of the estimate and payment workflow.
For contractors still on the sidelines, the barrier has often been workflow friction. This usually means switching between apps, retyping customer information, and dealing with approval statuses that do not always match the invoice. None of that fits easily into a busy day.
We bring financing applications, approvals, and payments into the workflow technicians already use to build estimates and close jobs. The financing offer appears alongside cash and card options, approval status updates the customer record, and the payment posts to the invoice automatically.
That means technicians can offer financing without slowing down the closeout process. For contractors looking at the 64% lift and wondering how to capture more financed-job opportunities, removing workflow friction is often the first step. See how ServiceTitan's seamless customer financing options can help your business.
Based on ServiceTitan proprietary platform data from active ServiceTitan customers in trades industries, spanning residential, commercial, and construction businesses. "Offers financing" is defined as a tenant submitting at least one signed financing application through ServiceTitan, or recording at least one financing-typed payment, during CY 2025. Ticket lift represents the median within-tenant comparison of financed jobs versus financing-eligible jobs the customer chose not to finance, H2 2025. Findings are correlational, not causal. Results reflect aggregate platform activity and may not represent any individual contractor's experience. Your results may vary. Tenants opted out of industry publications are excluded.
