Episode-2056 -Financing That Actually Makes You A Lot More Than It Costs (Chris Scoville, Improvifi)

Financing should be offered 'early, always, and often' — introduce it before presenting price to defuse sticker-shock anxiety, not after the number lands.

Improvifi built a 2% flat dealer fee model and teaches 'margin integrity' / zero-cost averaging so contractors build the fee in and never lose money offering financing.

One deck company removed its 5% cash discount and closings jumped from ~30% to ~63% because reps stopped steering customers to the low-ticket cash price.

Financed deals routinely run about double the ticket of unfinanced deals — one company's own numbers showed financed jobs literally twice the size.

Approvals get missed on data entry: entering 'total annual gross household income of all occupants' (not just the applicant) turns declines into approvals — quarterly KPI reports catch the drop-off.

Use the toolbox not one tool: keep your prime lender for 680+ and add a super-subprime program (550-680) plus a zero-dealer-fee secured loan to capture the paper you're currently losing.

Improvifi's three-prong model — lending solutions, a live Skool training university (leadership through front desk), and a real-time deal desk (~50 calls/week) — differentiates it from commoditized rate-sheet lenders.