What it does. Shows the yearly revenue your shop leaves on the table by not offering financing on more tickets, using your own ticket volume, average ticket, and close rate.
Financing Attach Rate Revenue Leak Calculator
Your Numbers
Quick Presets
Net Revenue / Year
Estimates only, not financial advice. Real results depend on your offer, your providers, and how you present price. Build the dealer fee into your flat rate rather than inflating the cash price.
Detailed Overview
In a repair economy, the offer matters as much as the price. Most homeowners cannot absorb a surprise repair in cash, so the share of tickets where you actually present a payment plan, your financing attach rate, quietly decides how much of your market you can close. This calculator turns that one underwatched number into a dollar figure you can act on.
Purpose
Owners track close rate and average ticket, but almost nobody tracks attach rate. The result is a slow, invisible leak: every cash-or-check-only quote prices out the homeowner who would have said yes to a monthly payment. The tool exposes that leak by comparing your revenue at your current attach rate against a target attach rate, and against a cash-only baseline, so you can see the cost of doing nothing.
When and Where to Use It
- Owner planning. Pull a year of revenue and decide whether to roll out a financing option across the board.
- Sales coaching. Show a tech or CSR what each un-offered plan costs the shop in real dollars.
- Pricing review. Test how building a known dealer fee into the flat rate affects net revenue.
- Repair economy strategy. Pair with a repair-led model where ticket counts are high and small jobs add up fast.
Inputs
- Qualifying tickets per month (count). Default 40. The repairs and replacements where financing could apply.
- Average ticket ($). Default $1,205, the 2026 average HVAC repair ticket (Housecall Pro Trades Pulse).
- Base close rate (%). Default 45%. Your close rate without a financing offer.
- Dealer fee on financed jobs (%). Default 3.9%, a mid-range installment-plan fee.
- Current attach rate (%). Default 20%. Share of tickets where you offer financing today.
- Target attach rate (%). Default 80%. Where you want to be.
Outputs
- Left on the table per year. The headline: revenue recovered by moving from your current attach rate to the target.
- Added revenue per month. The same gain on a monthly basis.
- Financing upside vs cash only. Annual revenue at the target attach rate above a cash-only baseline.
- Dealer fees per year. The cost side, so you can build it into your flat rate.
- Net revenue per year bars. Cash only vs current vs target, side by side.
Context: Where This Tool Lives in HKIA’s Content
The tool was built to accompany the following HKIA content. Specifically:
- “The Repair Economy Is Here”. The post argues that homeowners are spending differently, not less, and that financing is the engine of a repair-led shop. This tool implements the Break Point section by quantifying the attach-rate leak.
The tool pairs naturally with a repair-or-replace decision tool (which keeps the shop solutions-first) and a missed-call revenue calculator (which covers the other big leak, the unanswered phone). All three use consistent ticket and close-rate assumptions.
Math & Logic
- Financing lift: offered tickets close at base rate × 1.12 and carry a ticket × 1.13 (ServiceTitan, Synchrony and Visa Consumer Trends Report, 2025).
- Net revenue at attach rate a: offered tickets earn the lifted close rate and ticket, less the dealer fee; non-offered tickets earn the base close rate and ticket. Total is the sum.
- Leak: (net revenue at target minus net revenue now) × 12.
- Default attach target 80%: financing is most effective when it is routine, not occasional. The default contrast (20% to 80%) reflects a shop moving from “only when asked” to “offered on every qualifying job.”
- Default average ticket $1,205: the 2026 HVAC repair-ticket average (Housecall Pro Trades Pulse).
Limitations
- It models offers, not approvals. It assumes offered-and-closed jobs are financed; real approval rates vary by provider and credit mix, so treat the dealer-fee line as a conservative high.
- One blended ticket and close rate. A shop with very different repair and replacement economics should run the two segments separately.
- Not financial advice. Outputs are estimates to guide a decision, not a forecast or a guarantee.
Sources Used
- State of Home Service Spending. Housecall Pro, 2026. Source of the 62% “more likely to proceed with financing” anchor.
- Consumer Trends Report. ServiceTitan with Synchrony and Visa, 2025. Source of the +12% close and +13% ticket lift.
- Trades Pulse: HVAC Repair Economics. Housecall Pro, 2026. Source of the $1,205 average-ticket default.