Prime FinancingAverage or Better Credit

2nd Look Financing

Approving up to 40% of declined applicants- flat rate 9.9% dealer fee- Click HERE for program details and rates or call

If declined receive an instant 2nd look decision without re-inputting the credit application

Integrated Partner GreenSky FinancialClick HERE or call for full rate sheet

3rd Look Financing

Approving up to 50% of 2nd Look declined applicantsComing Spring 2019Flat rate dealer fee

No Options

If declined contractor can leave the home and our solution center will attempt to get the customer approved and contact the contractor

Credit application submitted

if contractor uses a prime lender other than GreenSky, they can submit declines only direct to 2nd look.

Turns Financing Services (www.turnsfinancing.com)

Contact: TJ@turnsfinancing.comPhone: 866-748-4590

If declined

APPLYAll Programs

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Financing Designed To Promote Monthly Payments

$99/Month FULLY

INSTALLED HVAC SYSTEM

1. Promote an eye catching monthly payment.

2. Fixed funding amount for each monthly payment.

3. Upsell using $10 monthly payment increments.

4. Receive $613 for each $10 of additional monthly payment.

Add $10 Adds $613 of Contractor Funding

Turns Financing “Pick-A-Payment” Prime Program*

Pick-A-Payment Loan Amount Funded Amount*

$19 $1,210 $1,165

$29 $1,847 $1,778

$39 $2,484 $2,391

$49 $3,121 $3,004

$59 $3,758 $3,617

$69 $4,395 $4,230

$79 $5,032 $4,843

$89 $5,669 $5,456

$99 $6,306 $6,069

$109 $6,943 $6,682

$119 $7,580 $7,295

$129 $8,217 $7,908

$139 $8,854 $8,521

$149 $9,490 $9,135

$159 $10,127 $9,748

$169 $10,764 $10,361

$179 $11,401 $10,974

$189 $12,038 $11,587

$199 $12,675 $12,200

$209 $13,312 $12,813

$219 $13,949 $13,426

$229 $14,586 $14,039

$239 $15,223 $14,652

$249 $15,860 $15,265

$259 $16,497 $15,878

$269 $17,134 $16,491

$279 $17,771 $17,104

$289 $18,408 $17,717

$299 $19,045 $18,330Upsell using $10 payment

increments. Funding increases

$613 for each $10.

8-Year Loan; 9.99%

Interest Rate

*Approximately 4%

Discount (1.25% plus

Merchant Fee)

* Loan increases $637 for each $10 increase in payment.

• Must be enrolled with GreenSky Financial using Turns(Click to Enroll with Both)

• Get flat rate 2.25% card processing fee for GSKY transactions(2.25% card processing fee)

Why 2nd Look Financing?

Say “YES” more often and increase financed sales.

Integrated 2nd Look behind GreenSky

• No need to re-enter the credit application if the customer is declined. Simply select “Submit 2nd Look” and re-enter the social security number to get an instant decision.

• Instantly approves 40% of declined prime applicants nationwide.- 15% to 20% approved for Tier-0 ($20k)- Equal approval split across remaining tiers- Max two loans per household

(get two loans for a combined larger amount)

• Get Funded: Upload a copy of your customer signed invoice to receive funding within two business days.

• Borrower does NOT need to be the homeowner. Combine with any other financing or payment method.

• Great for repair financing:

Minimum loan $400

For Credit Scores down to 550 FICO

2nd Look Finance Option

Tier 0: $20k Max Loan

Instant 2nd Look Program... (requires minimum 2-years in business)

Click HERE or call for prime rate sheet

Contact: TJ@turnsfinancing.comPhone: 866-748-4590

New from Turns Consumer Financing 2019 (Simple design for new contractors)

Applicants with good or imperfect credit.Dealer Fee: 6.0% flat rate when used for all financing (Try it now, no pre-enrollment necessary, see link below to submit an application).

Fixed Rate Term Loans

- APR & Terms based on the results of a soft credit pull (soft credit pull does not impact the applicant’s credit)

- Minimum loan amount $500; Maximum loan $25,000)

- Loans over $10k require income verification

- 6% origination fee required for most APRs greater than 20%(Origination fee is added to the final retail amount and financed over the life of the loan. Included in

the monthly payment factor shown in chart).

- NO prepayment penalty if applicant pays loan off early

- NO upfront cost to participate and NO annual financing

minimums, hidden fees or obligationsVery low credit scores

CLICK TO PREQUALIFY AN APPLICANT

Timothy Garrett

To Access Pick-A-Payment Enroll with GreenSky thru Turns (use Sponsor #762 for best terms and costs)

Fixed Rate Program

Same as Cash Program

Customize your loan plans

Select “Pick Payment Program”

Select payment from $19 to $399

Loan amount is auto-calculated based on payment selected

Complete Application Review Consents Instant Decision

Complete credit app and see instant results…

Close the loan just like any standard card transaction

If applicant is declined… Get an instant 2nd Look

Timothy Garrett

• 2nd Look Application prefilled with original customer data.

• Review and make any changes before submitting.

10

Approval Screen with “Accept Offer”.

If Approved… accept offer, close the loan and receive funding (see 2nd Look program options)

1. Check box to accept loan.

2. Upload customer signed invoice (link provided or from mobile app)

3. Receive ACH funding within 2-business days.

App Menu

NEW PROGRAM: Merchant account for GreenSky Transaction Processing Fee at 1.96%

APPLYBankCard South

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NEW PROGRAM: Contractor Business Loans & Instant Working Capital Lines

APPLYBusiness LOC

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