Bill BrownFounder of ServiceTitan Hacks community (9k+ pros) | INC 5000 Contractor | Helping contractors win with AI & Automation

Is it cheaper to offer financing on or off the ServiceTitan platform?

3 Aug 2025

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Short conversational video addressing whether it's cheaper to offer customer financing on the ServiceTitan platform or off-platform. The speaker relays a common objection (that off-platform financing is cheaper), asks Logan (financing expert) to confirm, and Logan clarifies that ServiceTitan's financing features are free (aside from merchant fees tied to plan choices) and that ServiceTitan will honor any negotiated lender rates—meaning no additional integration fees.

Questions this video answers

Yes — all ServiceTitan financing features are free (no feature fees).

Yes — ServiceTitan will honor those negotiated rates in the platform.

Only merchant fees based on the plan selected; none related to the integration.

I talked to so many people that I'm like, hey, are you using the integrated finance? And they're like, no, you know, we use it on our separate. We do it outside of Service Titan. I'm like, oh, yeah, why do you do that? Oh, well, it's. It's cheaper. Service Titan was more expensive to do it on platform. So I come to Logan, he's all things financing. I'm like, logan, keep hearing this objection. They're saying it's cheaper if they do it outside. Is that true, Logan, or not? No. And this is a great lead in to our next section, so thank you for that. So our last section is cutting cost. So we went through a lot of cool features. You're probably thinking to yourself, just like Chris mentioned, great, what's the cost? Of course, there's an added cost. So with Service Titan financing, all of our features are free. And even if you have negotiated rates directly with the lenders, we will honor those rates in Service Titan. So literally, the only fees that you will incur are just from the merchant fees based on the plans you selected, none related to the integration.