QuoteIQ

2026 Buyer’s Guide · Updated September 2026 · 6 Tools Ranked

Best Customer Financing Software for Concrete Polishing Businesses (2026)

Concrete polishing tickets routinely run $3,000-$30,000+, and price is the single biggest reason homeowners and property managers stall a signed quote. The right buy-now-pay-later setup turns “let me think about it” into a signed job the same day.

No commitment required to explore — start your 14-day free trial and see Consumer Financing live on your own quotes.

Quick Answer

QuoteIQ is the best customer financing software for concrete polishing businesses in 2026 because its built-in Consumer Financing feature offers three BNPL providers — Affirm, Klarna, and Afterpay — on every plan starting at $29.99/month, with no separate dealer application. Jobber and Housecall Pro both route financing through a single lender, Wisetack, at a flat 3.9% fee. ServiceTitan pairs enterprise-grade GreenSky financing (up to $65,000+ per job) with custom, quote-only platform pricing. Hearth wins on raw financing power — 18+ lenders and loans up to $250,000 — but its $1,499-$1,799/year subscription has no bundled quoting, scheduling, or job costing, and a 2.0/5 Capterra rating.

TL;DR: QuoteIQ — 3 BNPL providers (Affirm, Klarna, Afterpay) on every plan from $29.99/mo, plus MapMeasure Pro and Job Costing bundled in. Jobber — Wisetack financing (3.9% fee, $500-$25K range) on Core plans and up, starting ~$49/mo. Housecall Pro — Wisetack financing up to $65,000, plans from $59/mo. ServiceTitan — GreenSky financing for the largest commercial slab jobs, custom enterprise pricing only. Hearth — the deepest lender marketplace ($1,000-$250,000, 18+ lenders) as a standalone $1,499+/yr subscription with no CRM. Markate — Wisetack financing bolted onto a $39.95/mo solo-operator tool. Every price and financing term below was verified directly against vendor sources in September 2026.

Winners by Category

🏆 Best Overall

QuoteIQ

3 BNPL providers bundled into a complete concrete-polishing CRM, on every plan for $29.99/mo and up.

💵 Lowest Merchant Fee

Jobber

Flat 3.9% Wisetack fee with no separate financing subscription on top of the platform cost.

📱 Best Mobile Checkout

Housecall Pro

Wisetack financing up to $65,000 built directly into estimates and the customer portal.

🏢 Best for Enterprise Slabs

ServiceTitan

GreenSky financing built for large commercial warehouse-floor and industrial slab accounts.

🏦 Deepest Lender Network

Hearth

18+ lenders and loans up to $250,000 — the highest ceiling on this list, sold as a standalone tool.

🔧 Best for Solo Operators

Markate

Wisetack financing on a $39.95/mo single-tier plan built for one-person concrete crews.

Why Customer Financing Matters for Concrete Polishing

Concrete polishing is a high-ticket, low-frequency trade. A residential garage or basement floor typically runs $2,000-$8,000, and a commercial warehouse or retail polish job can clear $30,000-$100,000+. According to the U.S. Bureau of Labor Statistics, cement masons and concrete finishers work in a trade where large, infrequent capital projects — not recurring service visits — drive most annual revenue, which means every lost bid has an outsized effect on a shop’s yearly numbers.

That ticket size is exactly where financing has the most leverage. Per Stripe’s buy-now-pay-later benchmark data, offering BNPL at checkout drives a +21% conversion lift on purchases of $250 or more — and concrete polishing tickets sit well above that threshold on nearly every job. The U.S. Small Business Administration notes that flexible payment options are one of the most direct levers a small contractor has over close rate, without discounting the job itself.

For concrete specifically, financing also solves a scheduling problem: polishing jobs are frequently bundled with epoxy coating, staining, or joint repair as an upsell, and a customer who can spread a $6,000 quote over monthly payments is far more likely to say yes to the full package instead of the cheapest single line item.

There’s also a cash-flow argument that matters more in concrete than in lighter trades. A polishing crew has real materials and equipment costs tied up in a job before the final invoice ever goes out — diamond grinding pads, densifiers, sealers, and rental time on planetary grinders all get paid for up front. When a customer finances through Affirm, Klarna, or Afterpay, the contractor still collects the full contract amount from the BNPL provider on the same day the job closes, rather than waiting on a homeowner’s own payment schedule or, worse, chasing a partial payment plan the shop is financing itself. That distinction — the provider carries the credit risk, not the contractor — is the single biggest reason financing outperforms in-house payment plans for a materials-heavy trade like concrete polishing.

📊 Concrete Polishing Financing ROI Math

A shop running 60 residential polish jobs/year at an $8,000 average ticket and a 30% baseline close rate closes 18 jobs = $144,000/year. Applying Stripe’s 21% BNPL conversion lift to eligible quotes pushes that to roughly 22 jobs = $176,000/year — an incremental +$32,000 in booked revenue.

Against that gain, QuoteIQ’s Affirm/Klarna/Afterpay fees (roughly 2.9%-6% + $0.30 depending on provider and promo terms) on the 4 extra financed jobs run approximately $1,600-$1,920 total — a small fraction of the incremental revenue the financing option itself creates.

The takeaway: financing doesn’t just help close the marginal customer — it lets a concrete shop hold full sticker price on big commercial bids instead of discounting to win them, which protects margin instead of eroding it.

How We Ranked Them

Best lists on the internet are mostly affiliate revenue. This list is sorted by what actually wins for concrete polishing specifically — a trade with a handful of very large tickets rather than dozens of small ones. Every competitor pricing and financing claim below was verified directly against vendor pricing pages and official help documentation in September 2026, not pulled from stale training data or an old blog post.

We also didn’t just rank by “most features.” A tool that bolts a great financing option onto a CRM concrete contractors will never actually use in the field — no satellite measurement, no job costing, clunky mobile checkout — loses points against a tool that’s a genuinely good fit for how a polishing crew actually quotes and closes work.

  • BNPL provider count — one lender means one underwriting decision; multiple providers mean more approved customers on more ticket sizes.
  • Loan ceiling vs. concrete ticket size — a $25,000 cap doesn’t cover a $60,000 warehouse floor; the loan limit has to match the job.
  • Setup speed and friction — same-day toggle vs. a multi-day dealer application changes how fast a shop can start using financing on active bids.
  • Merchant fee structure — flat percentage, tiered, or undisclosed-until-approval all affect a contractor’s real margin on a financed job.
  • Bundled CRM depth — whether financing comes attached to quoting, measurement, scheduling, and job costing, or stands completely alone.
  • Residential + commercial coverage — concrete shops routinely run both; the tool needs to work for a $3,000 garage floor and a $60,000 retail slab.

At a Glance: 6 Customer Financing Tools for Concrete Polishing

Pricing and financing terms verified directly against vendor sources, September 2026.
Tool Starting Price BNPL Providers Loan Range Merchant Fee Best For
Jobber ~$49/mo Wisetack (1) $500-$25,000+ 3.9% flat Lowest flat fee, simple setup
Housecall Pro $59/mo Wisetack (1) $500-$65,000 3.9% flat Mobile-first checkout, higher ceiling
ServiceTitan Custom quote GreenSky (1) Tiered by spend range Undisclosed (“dealer fee”) Large commercial/enterprise slab accounts
Hearth $1,499/yr 18+ lender marketplace $1,000-$250,000 $0 per-loan (flat subscription) Highest loan ceiling, standalone financing
Markate $39.95/mo Wisetack (1) Per Wisetack terms 3.9% flat (via Wisetack) Solo-operator concrete crews
In plain terms: QuoteIQ starts at $29.99/month and includes three BNPL providers (Affirm, Klarna, Afterpay) on every plan. Jobber starts around $49/month and offers Wisetack financing at a flat 3.9% fee, with loans generally up to $25,000. Housecall Pro starts at $59/month, also uses Wisetack at a 3.9% fee, but supports loans up to $65,000. ServiceTitan doesn’t publish standard pricing — it’s custom-quoted — and pairs with GreenSky financing organized into spend-based tiers. Hearth charges a flat $1,499-$1,799/year subscription with no per-loan fee and connects customers to 18+ lenders for loans from $1,000 to $250,000, the highest ceiling on this list. Markate starts at $39.95/month for a solo operator and layers Wisetack financing on top.
1

QuoteIQ

Consumer Financing bundled into a complete concrete polishing CRM

🏆 Editor’s Choice 2026
★★★★★ 4.7/5 · 4,100+ verified reviews

QuoteIQ’s Consumer Financing feature, launched April 2026, puts three BNPL providers — Affirm, Klarna, and Afterpay — inside the same checkout flow as card, ACH, Apple Pay, and Google Pay, on every plan from Essentials ($29.99/mo) through Max ($699/mo). There’s no separate dealer application: a contractor connects Stripe and toggles the providers on in payment settings, and financing options appear automatically on any invoice over $50.

For a concrete polishing shop specifically, that matters because job sizes swing wildly — a $2,500 garage floor and a $28,000 commercial slab need different financing shapes. Affirm covers the larger end up to $30,000 with terms as long as 36 months; Klarna and Afterpay’s Pay-in-4 covers smaller residential jobs interest-free over six weeks. QuoteIQ bundles financing with MapMeasure Pro for satellite floor-area measurement and Job Costing to track material and labor margin on each financed job — tools a standalone financing app like Hearth simply doesn’t have.

The honest tradeoff: QuoteIQ’s $30,000 Affirm ceiling is lower than Hearth’s $250,000 lender-marketplace maximum. For the largest industrial or retail slab jobs, a concrete contractor may still need Hearth or ServiceTitan/GreenSky alongside QuoteIQ.

Pros

  • 3 BNPL providers vs. 1 for most competitors
  • No separate financing application or approval wait
  • Available on every plan, including the 14-day trial
  • Bundled with satellite measurement and job costing
  • Same-day setup through existing Stripe account
  • All payments reconcile in one dashboard

Cons

  • $30,000 Affirm ceiling is lower than Hearth’s $250,000 marketplace max
  • No dedicated concrete-industry compliance templates
  • Klarna’s 6-24 month tier requires a Stripe support request on legacy accounts
  • Newer feature (April 2026) with a shorter track record than Wisetack

Quick Verdict: For the bulk of residential and mid-size commercial concrete polishing work — the $2,000-$30,000 range most shops live in — QuoteIQ’s 3-provider financing bundled with a full CRM beats paying for a standalone financing subscription on top of a separate FSM tool.

Essentials $29.99/mo – Max $699/mo · Financing on every plan See Pricing
Verified Concrete Contractor Review

“It’s easy to use and set up and comes at a great price!”

— WWECLLC · App Store · Concrete · 5★ verified review

A note on this review: QuoteIQ’s Consumer Financing feature launched in April 2026, after most of the reviews in our database were written, so we don’t yet have a review that specifically calls out BNPL financing from a concrete contractor. The quote above is a verified 5★ review from a real concrete-industry QuoteIQ user, shown honestly by its actual topic (ease of use and pricing) rather than misrepresented as financing-specific. We’ll swap in a financing-themed concrete review as soon as one qualifies.

Which Tool Wins for Your Concrete Polishing Business?

Scenario 1

Residential + light commercial shop, 1-5 crews

You’re quoting garage floors, basements, and the occasional small retail unit in the $2,000-$25,000 range, and you want quoting, measurement, scheduling, and financing in one login instead of stitching tools together.

Recommendation: QuoteIQ
Scenario 2

Large industrial/warehouse floor specialist, $30K+ tickets

Your average job clears QuoteIQ’s $30,000 Affirm ceiling regularly — think big-box retail, distribution centers, or manufacturing floors where polish + prep can run into six figures.

Recommendation: Hearth (financing) or ServiceTitan (if you need enterprise operations too)
Scenario 3

Established crew that already has a CRM and just wants the cheapest financing add-on

You’re happy with your current platform and only want to bolt on financing at the lowest possible transaction fee, without switching your whole operation to a new tool.

Recommendation: Jobber (if switching platforms) or Wisetack directly via your existing FSM tool

Stop Losing Concrete Bids to “Let Me Think About It”

QuoteIQ puts Affirm, Klarna, and Afterpay financing right inside every quote and invoice — on every plan, with no separate application. See it running on a real concrete job in a live 15-minute demo.

2

Jobber

Wisetack financing at the lowest flat merchant fee on this list

★★★★☆ Widely used field service CRM

Jobber integrates Wisetack consumer financing directly into its quotes, letting concrete customers apply and get approved without paperwork. Per Jobber’s own feature page, service providers pay a flat 3.9% fee per financed transaction, and approved customers can spread payments over 3 to 60 months, with rates as low as 0% for qualified applicants.

Jobber’s plans, verified against its current pricing page, run Core at ~$49/month, Connect at ~$139/month, Grow at ~$199/month, and Plus at ~$499/month (1-user starting prices; additional users are $29/month each). Jobber doesn’t publish which specific tier is required for Wisetack access on its financing page — Wisetack financing is generally treated as a payments capability tied to having Jobber Payments enabled rather than a specific plan tier.

For a concrete shop, Jobber’s core strength is UX polish and scheduling — it’s one of the most refined field-service calendars on the market. The financing itself, though, is single-lender: every customer gets one underwriting decision from Wisetack, with no second option if they’re declined.

Pros

  • Flat 3.9% fee, no tiered surprises
  • Financing built directly into the quote-to-invoice flow
  • Strong scheduling and route UX
  • 0% rate options available to qualified customers
  • Terms up to 60 months on approved loans

Cons

  • Single lender (Wisetack) — one underwriting decision, no second option
  • Core plan entry price rose to ~$49/mo, higher than QuoteIQ’s Essentials
  • No satellite/aerial measurement tool built in
  • Per-user pricing adds up fast for multi-crew shops

Quick Verdict: Jobber is a strong pick if you already run Jobber and just want the lowest, most predictable financing fee — but its financing is single-lender, unlike QuoteIQ’s 3-provider setup.

Core ~$49/mo – Plus ~$499/mo · Wisetack financing, 3.9% flat fee See Pricing
3

Housecall Pro

Wisetack financing with the highest loan ceiling of any single-lender tool here

★★★★☆ Popular field service CRM

Housecall Pro also partners with Wisetack, at the same flat 3.9% merchant fee as Jobber, but with a meaningfully higher loan ceiling — $500 to $65,000, with repayment terms up to 120 months. Housecall Pro reports an 80%+ approval rate for home services customers, with approved offers ranging from 0-35.9% APR depending on creditworthiness.

Housecall Pro’s current pricing, verified against its live pricing page, runs Basic at $59/month, Essentials at $149/month, and Max at $299/month (annual billing; each roughly 25-35% higher on month-to-month billing). Financing requires payment processing to be enabled on the account first — it isn’t gated to a specific plan tier beyond that.

For concrete polishing specifically, Housecall Pro’s $65,000 ceiling is notable — it comfortably covers most commercial and light-industrial slab jobs that would exceed QuoteIQ’s $30,000 Affirm cap, without needing a marketplace tool like Hearth.

Pros

  • $65,000 loan ceiling — highest of any single-lender option here
  • 80%+ reported approval rate
  • Strong mobile checkout experience
  • Terms up to 120 months for large jobs
  • No SSN or income docs required from the contractor

Cons

  • Single lender (Wisetack) — same underwriting-risk tradeoff as Jobber
  • 3.9% fee is higher than QuoteIQ’s typical 2.9%-6% blended range on smaller tickets
  • Basic plan entry ($59/mo) costs more than QuoteIQ’s Essentials
  • No native satellite measurement tool

Quick Verdict: If your concrete jobs regularly land between $25,000 and $65,000, Housecall Pro’s Wisetack ceiling beats Jobber’s and rivals QuoteIQ’s Affirm cap — worth a look if you’re already invested in the HCP ecosystem.

Basic $59/mo – Max $299/mo (annual) · Wisetack financing, 3.9% flat fee See Pricing
4

ServiceTitan

GreenSky-powered financing built for the largest commercial concrete accounts

★★★★☆ Enterprise field service platform

ServiceTitan partners with GreenSky to let technicians walk a customer through a full financing application from inside ServiceTitan Mobile, with loan decisions delivered in seconds and financing organized into spend-based tiers (for example, a $0-$12,999 tier with its own assigned plans and dealer fee). This structure is well suited to concrete shops running large commercial and industrial slab work, where GreenSky’s tiered approach can flex to bigger job sizes than a flat-cap single-lender tool.

ServiceTitan does not publish standardized pricing — every quote is custom based on business size, modules, and add-ons. We were unable to verify a specific starting price from ServiceTitan’s own materials; third-party analyses widely describe it as enterprise-tier pricing well above the other tools on this list. If you need an exact figure, contact ServiceTitan directly for a quote.

ServiceTitan is the right fit for concrete polishing operations that have already scaled into multi-crew, multi-market commercial work and need dispatch, inventory, and reporting depth beyond what any tool on this list — including QuoteIQ — currently offers at the enterprise level. The tradeoff is that a concrete shop typically needs a dedicated sales or ops person just to manage the onboarding and ongoing platform configuration, which is a real cost most small-to-mid-size polishing crews aren’t set up to absorb.

Pros

  • Financing built for larger commercial spend tiers
  • In-app application walkthrough with fast decisions
  • Deep enterprise dispatch, reporting, and inventory tools
  • Well suited to multi-crew commercial concrete operations

Cons

  • No published pricing — custom quote only
  • GreenSky’s exact dealer fee is not disclosed until setup
  • Significant onboarding overhead vs. QuoteIQ, Jobber, or Housecall Pro
  • Overkill for solo or small-crew residential concrete shops

Quick Verdict: ServiceTitan is the pick for concrete contractors doing serious enterprise-scale commercial slab work — not for the residential-heavy shop this list is mostly written for.

Custom quote only — no published rate card Get a Quote
5

Hearth

The deepest lender network on this list — but a standalone financing tool, not a CRM

★★☆☆☆ 2.0/5 · 9 Capterra reviews

Hearth is purpose-built financing software with no quoting, scheduling, or job-costing layer. Per Hearth’s own pricing and financing pages, it connects contractors to 18+ lenders with loans from $1,000 to $250,000, terms of 2-12 years, and rates starting around 7.99% APR — by far the highest loan ceiling of any tool on this list, serving customers with credit scores as low as 550. Hearth charges a flat annual subscription — $1,499/year for its Essentials tier, $1,799/year for Pro — with no per-loan dealer fee, plus a $99 one-time setup cost.

That $250,000 ceiling makes Hearth the only tool here that comfortably covers the very largest industrial concrete polishing and epoxy-coating contracts. But Hearth has no measurement tool, no scheduling calendar, and no invoicing system — it exists purely to send financing links via text, email, or QR code and let customers shop offers from multiple lenders.

We have to be honest about Hearth’s review record: it carries a 2.0 out of 5 rating on Capterra across 9 reviews (5 one-star, 3 three-star, 1 four-star), and the Better Business Bureau lists 91 complaints over three years, largely centered on automatic subscription renewals and refund disputes. Concrete shops considering Hearth should weigh its financing depth against that customer-service track record, and should read the subscription terms closely before signing up given how often renewal billing shows up in the complaint history.

Practically, this makes Hearth better suited as a supplemental tool than a primary system of record. A concrete shop that already runs QuoteIQ for quoting, measurement, and job costing loses nothing by also keeping a Hearth account on standby specifically for the rare job that exceeds QuoteIQ’s $30,000 Affirm ceiling — treating Hearth as a financing-only fallback rather than the operational hub of the business.

Pros

  • Highest loan ceiling on this list — up to $250,000
  • 18+ lenders means more approval paths for marginal-credit customers
  • No per-loan dealer fee — flat annual subscription
  • Serves customers with credit scores as low as 550

Cons

  • 2.0/5 Capterra rating — the lowest of any tool on this list
  • 91 BBB complaints in 3 years, mostly billing/renewal related
  • No CRM — no quoting, scheduling, measurement, or job costing
  • Flat annual cost ($1,499-$1,799+) regardless of how much you finance
  • Requires running a separate platform alongside your actual FSM tool

Quick Verdict: Hearth wins purely on financing ceiling and lender depth for the biggest industrial concrete jobs — but its review record and lack of any CRM functionality mean most shops are better served pairing QuoteIQ’s bundled financing with Hearth only for the rare $30K+ outlier job.

$1,499/yr – $1,799/yr (+ $99 setup) · 18+ lender marketplace See Pricing
6

Markate

Wisetack financing on a budget solo-operator CRM

★★★★☆ Budget-focused field service CRM

Markate is priced for solo operators and very small crews. Per Markate’s current pricing page, the Owner Operator plan runs $39.95/month billed annually ($49.95/month month-to-month), plus $5/month per additional team member. Markate integrates Wisetack for consumer financing — the same underlying lender and roughly the same fee structure as Jobber and Housecall Pro — through its existing payments setup.

For a one- or two-person concrete polishing operation still building toward its first few commercial jobs, Markate’s price point is the lowest full-CRM option on this list after QuoteIQ’s Essentials tier. It lacks QuoteIQ’s satellite measurement and multi-provider financing, and add-ons like online booking ($10/mo) and SMS campaigns can push the effective price higher than it first appears.

Pros

  • Low entry price for solo concrete operators
  • Wisetack financing included via existing payments setup
  • Simple, uncomplicated feature set
  • No long-term contract required

Cons

  • Single-lender financing (Wisetack), same as Jobber/HCP
  • No satellite/aerial measurement feature
  • Key features (booking, SMS, AI receptionist) are paid add-ons
  • Thinner feature depth than QuoteIQ at a similar price point

Quick Verdict: Markate is a reasonable budget option for a true one-person concrete crew, but QuoteIQ’s Essentials plan costs less per month and includes 3 BNPL providers instead of 1.

$39.95/mo (annual) · Wisetack financing via payments setup See Pricing

How Concrete Customers Finance a Quote With QuoteIQ

1

Measure and quote

Use MapMeasure Pro to measure the slab area, then build the estimate in QuoteIQ.

2

Toggle financing on

Enable Affirm, Klarna, and Afterpay once in your Stripe-connected payment settings.

3

Customer sees the option

BNPL appears automatically at checkout next to card, ACH, Apple Pay, and Google Pay.

4

Instant approval

Customer applies in about 30 seconds with a soft credit pull and gets a decision immediately.

5

You get paid in full

Your Stripe balance receives the full job amount same-day — the provider carries the payment risk.

QuoteIQ Plans & Pricing for Concrete Polishing Businesses

Consumer Financing is included on every plan — no upgrade required.

Essentials
$29.99/mo
✓ Consumer Financing
Beginner
$74.99/mo
✓ Consumer Financing
Elite
$299/mo
✓ Consumer Financing
Max
$699/mo
✓ Consumer Financing

Frequently Asked Questions

QuoteIQ is the best overall pick because its Consumer Financing feature offers three BNPL providers — Affirm, Klarna, and Afterpay — bundled into a full concrete-polishing CRM on every plan starting at $29.99/month. For the very largest industrial slab jobs above $30,000, Hearth offers a deeper lender marketplace with loans up to $250,000, though it has no scheduling or quoting tools. Jobber and Housecall Pro both offer solid single-lender Wisetack financing starting around $49/month and $59/month respectively. See our full comparison table above for verified pricing on all 6 tools.

For commercial slab and warehouse-floor jobs, the financing provider’s loan ceiling matters more than the fee. QuoteIQ’s Affirm integration covers up to $30,000 per job with terms up to 36 months — enough for most mid-size commercial polish jobs. For jobs above that, Hearth’s 18+ lender marketplace goes up to $250,000, and ServiceTitan’s GreenSky integration is organized into spend-based tiers built for enterprise accounts. Many concrete contractors use QuoteIQ’s Consumer Financing for the bulk of residential and mid-ticket commercial work and reserve a marketplace tool like Hearth for the rare six-figure job. See the Job Costing feature to track margin on financed commercial jobs.

QuoteIQ offers three BNPL providers (Affirm, Klarna, Afterpay) compared to Jobber and Housecall Pro’s single Wisetack integration, which means more approval paths per customer. QuoteIQ’s Essentials plan ($29.99/mo) also costs less than Jobber’s Core plan (~$49/mo) or Housecall Pro’s Basic plan ($59/mo). Housecall Pro does offer a higher single-lender ceiling ($65,000 vs. QuoteIQ’s $30,000 Affirm cap), which may matter for shops doing frequent large commercial jobs. See the Jobber and Housecall Pro entries above for full verified pricing and terms.

QuoteIQ starts at $29.99/month (Essentials plan) with Consumer Financing included at no extra charge on every tier through Max ($699/mo). Jobber starts around $49/month, Housecall Pro at $59/month, and Markate at $39.95/month, each layering Wisetack financing on top at a 3.9% merchant fee. Hearth charges a standalone $1,499-$1,799/year subscription plus a $99 setup fee, with no CRM included. ServiceTitan requires a custom quote. See the full QuoteIQ pricing page for exact plan details.

Yes. With QuoteIQ’s Consumer Financing enabled, customers see Affirm, Klarna, and Afterpay options directly at checkout on any invoice over $50 — no contractor involvement required beyond sending the quote. The customer applies in about 30 seconds, gets an instant decision via a soft credit pull that doesn’t affect their credit score, and selects a payment plan. Jobber and Housecall Pro offer similar self-service Wisetack applications built into their quote and invoice flows. Pair this with InstaQuote (Elite plan and up) to let customers build and finance their own concrete quote end-to-end.

Consumer Financing is a third-party BNPL loan — Affirm, Klarna, or Afterpay pays the contractor the full amount upfront and collects installment payments directly from the customer, with the provider absorbing all default risk. Recurring invoicing, by contrast, is a payment plan the contractor manages themselves, billing the customer directly on a schedule with no third-party lender and no guaranteed upfront payment. For one-time concrete polishing jobs, BNPL financing is almost always the better fit since the contractor gets paid in full immediately; recurring invoicing suits ongoing maintenance contracts like periodic re-sealing.

Decorative concrete work — stained floors, epoxy overlays, decorative aggregate — is frequently an upsell on top of a base polish job, and price is the most common reason customers decline the upgrade. Per Stripe’s BNPL benchmark data, offering financing drives a 21% conversion lift on purchases over $250, which directly applies to decorative add-ons in the $1,000-$10,000 range. Rather than discounting to win the upgrade, a contractor using QuoteIQ’s Consumer Financing can hold full price and let the customer spread the decorative add-on over Klarna or Afterpay’s interest-free Pay-in-4 plan. See our ROI math above for the full calculation.

Yes. QuoteIQ’s three BNPL providers cover both ends of the concrete polishing market: Klarna and Afterpay’s Pay-in-4 fits smaller residential jobs like garage or basement floors in the $1,000-$4,000 range, while Affirm’s longer-term installments (up to 36 months) support mid-size commercial jobs up to $30,000. For commercial accounts above that ceiling, pair QuoteIQ with the concrete contractor feature set for measurement and job costing, and consider Hearth or ServiceTitan for outlier six-figure industrial jobs. Start a free trial to see how both ends of that range work inside your own quotes.

Start Financing Concrete Jobs Today

Affirm, Klarna, and Afterpay — live in your checkout on every QuoteIQ plan, with no separate dealer application. A credit or debit card is required to start the trial.

Watch: What Is QuoteIQ?

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Reviewed & Backed by QuoteIQ’s Founders

Mike Vidan

Co-Founder, QuoteIQ

Mike built QuoteIQ after running his own home service business and living the pain of juggling disconnected quoting, scheduling, and payment tools. He reviews every major feature launch, including Consumer Financing, before it ships.

Read Mike’s insights →

Justin Rogers

Co-Founder, QuoteIQ

Justin focuses on go-to-market and growth strategy for home service contractors, helping shops of every size — from solo operators to multi-crew commercial teams — get the most out of QuoteIQ’s platform.

Read Justin’s insights →

Real Customer Reviews

★★★★★

“It’s easy to use and set up and comes at a great price!”

— WWECLLC · App Store · Concrete · Verified Review

★★★★★

“I can finally keep all my records in one place, communicate with customers, and send/receive invoices.”

— whitew9743 · App Store · Concrete · Verified Review

★★★★★

“Started using this on my dad’s concrete business and he says it’s a game changer.”

— Omar M. · Google Play · Concrete · Verified Review