💬 Talking to Customers About Financing – The Basics

Stick to the Facts

Always be honest and follow the rules set by Acorn Finance and our lending partners.

Don’t promise or guarantee approval — everyone’s situation is different.
Avoid saying things like “you’re definitely going to get approved” or “this won’t affect your credit.”

Let the platform and lenders determine what offers are available.

Bring Up Financing Early

Don’t wait until the end of the sale to talk about financing.

Mention it early — during the estimate or when you're discussing project details.
It can help customers understand all their options and feel more in control of how they pay.

Example: “Just so you know, we also offer financing through Acorn Finance — so if you’d rather spread out payments over time, that’s an option.”

Present It as a Choice

Financing is never required — it’s just one way to pay.

Let customers know it’s optional and available if it helps.
No pressure — your goal is to inform, not to sell financing.

Example: “We work with Acorn Finance to offer financing if that’s helpful — but of course, you can pay however works best for you.”

Keep Personal Info Private

You never need to see your customer’s private financial information.

Don’t ask for things like Social Security numbers or bank account details.
The customer completes their financing application securely through Acorn Finance.
If they run Into any questions or trouble with the Application process, refer them to Acorn Finance for help. Do not help the customer fill out the application.

Example: "I'm happy to refer you to Acorn Finance to help assist you with filling out the loan application. Just tap on the phone number in the upper right hand corner of the loan application, and a customer care representative from Acorn Finance will be with you shortly."

Talk in Monthly Payments

Big project costs can feel overwhelming — break it down.

Help customers see how financing makes large jobs more affordable by talking in monthly terms.
This can help more people say “yes” to the job they want.

Example: “We now offer pay over time options with low monthly payments to help keep your budget flexible.”

Be Clear About Your Role

Make sure the customer understands how financing works.

You’re not a lender — you're just helping them connect to options through Acorn Finance.
Financing is completely between the customer and the lender they choose.

Example: “I’m not part of the financing process — I just help you access it through Acorn Finance and their Marketplace of Lenders. You’ll see offers from lenders and can choose what works best for you. If you need any assistance, please give Acorn Finance Customer Care Team a call.”