Renovations are often the biggest purchase a homeowner ever makes outside of the house itself. Plenty of good jobs stall not because the client doesn’t want the work, but because they’re trying to figure out how to pay for it.

Client financing lets you put that option right on the quote. When it’s turned on, eligible clients see a financing offer on their final quote in the client portal, and they can apply through Acorn Finance without leaving the conversation with you.

Eano isn’t the lender and doesn’t make credit decisions. Acorn handles the application, the offers, and the loan itself. Your job is just to make the option visible.

Client financing is off until you turn it on, and only Owners and Admins can change it.

That’s it. Flipping the toggle registers your business with Acorn behind the scenes, so it may take a moment to complete.

Acorn needs to know who your business is before it can register you, so a few details have to be filled in first. If anything’s missing, the toggle stays off and the line underneath it tells you what’s needed — for example, “Complete these fields before enabling Acorn Finance: Business Profile — City, State, ZIP code.”

What it’s looking for:

The one that trips people up is the ZIP code. There aren’t separate City, State, and ZIP boxes anywhere in Business Profile — there’s a single Business Address field, and Eano reads your city, state, and ZIP straight out of whatever’s in it. If the address on file has no ZIP code, that message keeps appearing no matter how many times you re-save.

The fix is quick. Click into Business Address, start typing your address again, and this time pick a suggestion that includes the ZIP — something ending in Boston, MA 02116, not just Boston, MA. Both are valid suggestions and they look almost identical in the list, so it’s an easy one to miss. Once a ZIP is in there, the message clears and the toggle works.

If you see “Acorn Finance is not available for this team yet,” that’s on our side, not yours. Email [email protected] and we’ll take a look.

Once financing is on for your team, it’s offered on your quotes by default — you don’t have to switch it on job by job. What you get instead is a per-quote off switch.

On the quote’s Display Options panel — the same place you decide whether clients see quantities, unit costs, or markup — there’s a Client Financing toggle. Leave it on for the jobs where financing makes sense, and switch it off for the ones where it doesn’t.

This toggle only appears for teams that have Acorn Finance enabled, so if you can’t find it, check the setting first.

If financing is switched on for a project, the client sees a compact financing box on their final quote in the client portal, sitting right above the Sign Now button. It shows on both desktop and mobile.

The box leads with an estimated monthly payment — “from $827/mo” — next to a Learn more link, and a line reassuring them that checking offers won’t impact your credit score. That’s a real concern for most homeowners looking at financing for the first time, so Acorn addresses it right up front rather than making the client wonder.

Tapping into it takes them to Acorn, where they complete the application. Everything after that — the paperwork, the offers, the decision — happens on Acorn’s side.

The same box also carries an Already applied? View offers link, so a client who’s already started an application can jump back to it from the quote instead of hunting for the email Acorn sent them.

A few deliberate boundaries worth knowing:

This is the part contractors ask about most, so it’s worth being direct: applying for financing never blocks signing.

A client can start an application and sign the contract the same day. They can sign first and apply later. They can be approved, be declined, or still be waiting — the contract, the milestones, and the payment schedule all work exactly as they normally would.

That flexibility is the point. It’s completely normal for a homeowner to lock in the job with you and sort out the money in parallel.

Acorn reports back one of three states, and only these three:

Each update lands in the project’s activity feed as an Acorn Finance Application Update.

For legal reasons, that’s genuinely all Acorn can share. You won’t see which lender, what rate, what term, or why a decision went the way it did. If a client wants to talk specifics with you, that’s their call to make.

Who can see it: your internal team. Subcontractors and field workers don’t see client financing activity on projects they’re assigned to.

Once Acorn Finance is on, a new notification appears at Settings → Notifications under a Finances heading:

Acorn Finance application updates — Get email and SMS updates when a homeowner’s Acorn Finance application status changes.

It covers all three statuses in one setting, and it’s on by default for email and SMS when you enable financing. Like the other notification settings, only Admins and Owners can change it.

If Acorn Finance is switched off for your team, this notification isn’t just quiet — it’s hidden from the list entirely, so don’t go hunting for it before you’ve turned financing on.

If a client is funded, the loan is deposited into their bank account, not yours. They then pay you through Eano exactly as any other client would — milestone payments, invoices, all of it unchanged.

The loan itself is between the client and their lender, managed through Acorn’s own system. You don’t need to reconcile anything, mark anything differently, or change how you bill.

Does my client have to use financing? No. It’s an option on the quote, nothing more. Most clients will pay the way they always would.

Will my client know I offered it? They’ll see the financing line on the quote. There’s no separate announcement, and nothing is sent to them just because you enabled the setting.

Can I see whether my client was approved? You’ll see Offered, Funded, or No Offers — and nothing beyond that. Lender details aren’t shared with us.

Does financing change my payment milestones? Not at all. Your milestone schedule, invoices, and payment requests work exactly as before.

Can I turn it off for one project without turning it off everywhere? Yes — switch off Client Financing in that quote’s Display Options and leave the team setting alone. That’s exactly what it’s there for.

My client applied and then the option vanished from their quote. Why? Check the project’s stage. Financing shows from contract sent onwards, but stops appearing on projects marked lost or terminated.

Can financing be offered on invoices or individual payment requests? Not right now. Financing appears on the final quote, which is where a client is weighing the project as a whole. If offering it further into a job would help you, let us know — that feedback is what drives where this goes next.