The 360 Finance Contractor Portal now includes a Financing Calculator, a purpose-built tool designed to eliminate friction from the financing discovery phase. Rather than requiring homeowners to commit to a formal application before understanding their payment options, the calculator provides instant, scenario-based financing estimates within your sales workflow.
Customers Who See Their Options Decide Faster
Most financing conversations happen after the estimate, creating delays. Customers leave without answers, shop competitors, or lose interest while waiting for quotes. The calculator changes this: you show real payment options during the estimate. Customers see their numbers on site and decide in the moment.
The calculator works by letting you input basic information: loan amount, credit score, project type, and state. You get instant payment estimates and multiple financing options to show your customer. No waiting for manual quotes. No follow-up calls needed. You have the information right there during the estimate to close the deal.
Additionally, the calculator enables real-time portfolio segmentation. Lenders can track which credit tiers and project types generate the most engagement, allowing them to adjust pricing strategies and product availability without manual intervention.
How It Works
Initial Inputs
Contractors access the Financing Calculator from a prominent navigation position in the portal (marked “NEW”). The interface is deliberately simple:
- Requested Loan Amount
- Credit Score Range (dropdown)
- Project Tier (e.g., “Custom+”)
- Service Type (HVAC, Roofing, etc.)
- State
All fields are optional or pre-populated where possible, reducing friction for contractors working in field conditions.
Instant Results
Clicking “Calculate” displays:
- Estimated Monthly Payment Range based on the loan amount and term selected (default 240 months)
- APR Range reflecting credit tier and product pricing
- Dual tabs showing both Fixed Rate and Promo offers (e.g., 0% promotional financing)
- A clear “Start Application” button for conversion
The ranges acknowledge underwriting variability, with a transparent disclaimer that actual rates depend on lender underwriting and credit scoring models.
Scenario Comparison
The “Compare Amounts” feature allows contractors to build multiple scenarios side-by-side. A contractor might display:
Scenario 1: Full $25,000 roofing project at fixed rate
Scenario 2: Promotional 0% financing for the same project
Scenario 3: A scaled-back $15,000 project if budget is a concern
This side-by-side view transforms the calculator from a quote tool into a sales tool, enabling consultative conversations rather than transactional quotes.
How to Use This Tool in Your Sales Process
Use the Calculator at These Specific Sales Moments
During the In-Home Estimate (Before They Leave)
Pull up the calculator while you’re still presenting the scope. Show three scenarios on your tablet: lowest payment option, lowest APR, promo offer. Customer sees real numbers immediately. Decision happens on site instead of them saying “let me think about it.”
When They Balk at the Price
They say “$25,000 is higher than I expected.” Don’t discount. Use the calculator instead. Show them: “$245 per month, or $185 per month if you go 20 years.” Frame it as payment, not total. More close.
Competing Against Another Bid
Competitor quoted $20,000. You’re $22,000 but with better materials. Calculator shows the payment difference is only $18 more per month. Customer sees the value difference. You win the deal.
Adding Services to Increase Deal Size
Base scope is $18,000. You suggest adding gutters and HVAC (now $28,000). Instead of highlighting the $10K increase, show the payment impact: “Just $60 more per month.” Customers approve the upsell when they see monthly, not total.
Meeting Homeowners Where They Are Will Help You Close More Deals
Today’s homeowners are informed. They know financing options exist. 74% would consider financing at least part of their project. They want flexibility and choices.
When you can show a homeowner that their $25,000 project is $185 per month instead of asking them to write one check, you’re giving them what they want: options and control. You’re not pushing financing. You’re offering it at the moment they need it most.
Your sales professionals who master this tool will close more estimates, win against competitors, and build customer trust. Customers remember contractors who made their projects feel achievable. The Financing Calculator gives you that advantage in the pricing and financing conversation.
Show homeowners different payment scenarios. Reframe price conversations with financing options. Train your team on how to present this tool confidently. The contractors who do this will close more deals.
