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"Yup, customers asking about financing is a huge red flag."
so i suppose you pay cash for all your big ticket items?
our economy runs on the availablity of credit - some people use it to buy cars, houses and yes, landscaping.
in my experience, offering financing has increased our average job size, and made the difference in whether projects proceed or not. (we did one this year that went from 8K to 45K becuase the homeowner was able to finance the project.)
customers asking about financing is not a red flag - we should get that sort of cynical thinking out of our heads. how they manage thier finances is their decision alone. as long as we have reputable, dependalbe finance companies providing credit, a contractor's risk is actually lowered by having a large project financed by a third party.
we use john deere landscapes and thier fee is 3% off the top , btw.
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