THE FLOAT CHECK — do this first

  Biggest job a customer could finance ....... $________
  Your material + sub cost, as a share ....... _____%
  CASH YOU FUND BEFORE YOU GET PAID .......... $________

  Could that sit out 2-3 weeks? [ ] yes  [ ] no
  Two of them at once?          [ ] yes  [ ] no
  If no: fix cash flow first. Financing moves money later,
  it doesn't create any.

HOW THE MONEY MOVES (confirm with YOUR lender)
  Deposit on a financed job ........ usually none
  You pay material + subs .......... up front, your cash
  Lender funds you ................. after completion
  Customer approval to release? .... sometimes; adds days

THE THREE TOUCHES — all before price
  1. Inspection confirmation: prequalify link
  2. Estimator mentions it on site, once
  3. Example monthly payments on the estimate

Then drop it. Nobody gets pushed.

DECIDE ONCE, WRITE IT DOWN
  [ ] We absorb the lender fee
  [ ] We carry it in our per-square price
  Ask your lender what you're allowed to charge, and your
  accountant how to book it.

NEVER: carry the customer on your own paper as an offer.