Customer Financing Calculator
Industry match · Fee estimate · In-house vs third-party payout
- The percentage fee per transaction, and whether it changes by job size
- Any flat per-transaction or monthly fees on top of the percentage
- Setup or integration costs, if any
- Minimum and maximum transaction size they'll finance
- How fast you're actually paid once the customer is approved
How to use this calculator
Start with your industry
Picking a chip sets both the provider most businesses in your space actually use and a sensible starting fee, so you're not comparing apples to oranges.
Toggle in-house vs third-party
Switching the method shows the real tradeoff: keep 100% of the job but collect payments yourself, or pay a fee and get the full amount in a day or two.
Replace the fee with your real quote
The default percentage comes from each provider's own published pricing where available (like Wisetack's flat 3.9%), but real contracts vary by program and risk profile. Swap in whatever your provider actually quotes.
Test your typical job size
Move the job amount slider to your average ticket, not just a round number, so the payout reflects what you'd actually see on a normal invoice.
Check "who carries the risk"
Third-party financing shifts collections and bad-debt risk onto the provider. In-house financing keeps that risk, and the paperwork, with you.
Treat this as a planning estimate
Real contracts can include flat per-transaction fees, monthly minimums, or tiered pricing this tool doesn't model. Confirm exact terms before enrolling with any provider.
Frequently asked questions
What's the best third-party financing for my customers?
It depends mostly on your industry. Wisetack tends to fit home service businesses, Synchrony and CareCredit suit retail and healthcare, and Affirm, Klarna, or Afterpay are built for online checkout.
What is customer financing and how does it work?
It lets a customer pay for a purchase over time instead of all at once. With third-party financing, the provider pays you in full upfront, usually minus a fee, then collects installments from the customer directly.
What types of businesses can offer customer financing?
Any business with a large-ticket product or service can benefit, but it's most common in home improvement, healthcare and dental, auto repair, and retail.
What should I look for in a customer financing company?
Approval rates for your typical customer credit range, transaction fees relative to your margins, how fast you're actually paid, and whether it integrates with software you already use.
Is buy-now-pay-later financing only for online retailers?
No. BNPL-style products have expanded well beyond e-commerce into home services, healthcare, and in-person retail, though the specific providers differ by channel.
Is this calculator accurate?
The math is a straightforward percentage-fee calculation. Real provider contracts can add flat fees, minimums, or tiered rates, so treat this as a close estimate rather than a final invoice.
Want the full picture before you choose a provider?
This calculator estimates the fee and payout, but the decision between in-house and third-party, and which provider fits your industry, is worth understanding first. Our guide covers the full tradeoffs, real provider options, and typical costs.
Read: Customer Financing Solutions, How to Choose One →Where these fee defaults come from
- Wisetack's flat 3.9% merchant fee (home services) — wisetack.com and Wisetack Help Center
- Synchrony's 7% default merchant discount rate (retail/CareCredit) — Synchrony Business cost calculator
- Affirm's merchant discount rate, commonly cited 2-8% — Affirm Merchant Help Center
- Klarna and Afterpay merchant fee ranges (roughly 3.3-6%) — Chargeflow, Klarna vs Affirm merchant fees
- General buy-now-pay-later merchant fee benchmarks — CFPB, Buy Now, Pay Later Market report
QuickBooks/Credit Karma financing and LendingTree don't publish a single merchant fee (the former is built into QBO at no added cost; the latter is a multi-lender marketplace), so no external source is cited for those two.
Disclaimer
This calculator is provided for general informational and educational purposes only and does not constitute financial or legal advice. It is not affiliated with, endorsed by, or a substitute for consultation with any financing provider.
All figures, including the fee amount and net payout, are approximations based on the numbers you enter and a simple percentage-fee calculation. They do not account for flat per-transaction fees, monthly minimums, tiered or promotional pricing, or other terms an actual provider contract may include.
Default fee percentages shown for each industry are drawn from each provider's own published pricing pages where available (Wisetack's flat 3.9% merchant fee; Synchrony's own 7% cost-calculator default; Affirm, Klarna, and Afterpay's commonly cited 3-8% merchant discount range), but actual rates vary by your specific program, promotional terms, industry, and risk profile. These are starting points for planning, not quotes. See "Where these fee defaults come from" above for the underlying sources, and confirm current pricing directly with any provider before enrolling.
FinToku is not a lender and does not broker, originate, or guarantee financing. Use of this tool does not create any financial relationship between you and FinToku. Before signing any provider agreement, review the contract terms carefully or talk to an accountant or financial advisor who knows your numbers. See FinToku's full Financial Disclaimer for more.
Free tool by FinToku · Results are indicative. Confirm exact fees and terms with your provider.