See what dealer-fee financing could be costing your business
A simple, real-world comparison for : dealer fees on every job vs. Enhancify's flat annual membership — with homeowner-direct funding and commissions back to you.
Three sliders. A full year of margin.
Set these to match your business — every number on this page updates live.
Adjust your business
Drag to match your real numbers.
The upfront cost is not always the real cost
Dealer-fee programs can be useful when speed or a specific promo plan matters. The question is what they cost over a full year.
"Free" to join. Paid for on every job.
- • No membership, quick setup, promo offers
- ! Can charge dealer fees on every funded project
- ! May reduce margin or force higher prices
- ! May delay funding until job completion
- ! May limit deposits and progress payments
One membership. Your margin stays yours.
- ✓ No dealer fees per funded project
- ✓ Homeowner receives funds directly — you collect deposits and payments per your agreement
- ✓ Soft-pull prequalification, multiple lending options
- ✓ Minimum $50 commission per funded sale — uncapped
- ✓ Contractor dashboard to track every application
Fair is fair: if you need a specific promo plan or same-day program access and can absorb the fee, a dealer-fee lender can make sense. If not, the math above is the difference.
The homeowner journey, start to finish
This is what offering financing actually looks like at the kitchen table — one tap for you, simple for them.
The price lands hard.
The homeowner loves the project. Then they see the number.
"We like it, but we need to think about the price."
"Most of our customers either pay cash or look at monthly options — want to see what may be available?"
You send your financing link.
No pitch, no paperwork, no handoff. Open it on your screen or text it — the homeowner sees a clean payment page branded to your company.
Illustrative example only. Actual offers vary by lender, credit profile, amount, and term.
They check options with a soft pull.
A quick prequalification the homeowner completes on their own phone — before making any decision.
One application. A marketplace of lenders.
Instead of sending the homeowner to one financing option, Enhancify helps them view offers through a lending marketplace.
Actual offers vary by lender and credit profile.
The conversation changes.
Same project. Same price. A completely different decision for the homeowner — and your project value stays whole.
Funding that can arrive before the job starts — not after it ends
Some dealer-fee programs may not release funds until the project is complete — while your materials, labor, and scheduling all happen first. With homeowner-direct funding, the homeowner receives funds under their selected lender's process, and pays you according to your agreement — which can include a deposit before work begins.
Dealer-fee model
You may get paid lastEnhancify model
Funding can come firstFunding timing varies by lender, borrower, documentation, and offer — approval does not guarantee funding. Payment arrangements, including deposits, are between contractor and homeowner. Enhancify does not guarantee approval, rates, funding amounts, funding timelines, or customer payment behavior.
Your contractor dashboard keeps you in the loop
Every application, every status, in one place — so you always know who's prequalified, who's reviewing options, and who's funded and ready to schedule.
- ✓Track every applicationSee where each customer stands the moment their status changes.
- ✓Follow up at the right momentKnow who's viewing options so you can call while the project is top of mind.
- ✓Schedule with confidenceWhen a customer shows funded, you can collect your deposit and book the job.
Would you rather pay a small annual membership to protect your margin… — OR — give up a percentage of every funded job?
Protect margin
No dealer fees per funded project.
Improve cash flow
Customer can be funded before the job starts.
Earn commission
Minimum $50 per funded sale, uncapped potential.