Get paid before the truck leaves the driveway
Service calls, maintenance agreements and system installs each have their own billing rhythm, and every unpaid ticket is money already spent on parts and labor. With Finli from your bank or credit union, techs collect on site, agreements bill themselves and parts counts stay current.
What gets in the way
Tickets that never get paid
Paper tickets and invoices mailed days later turn quick jobs into slow receivables. The best time to collect is while the tech is still on site.
Parts tie up cash
Trucks carry stock and installs need equipment ordered ahead. Without counts tied to invoices, shops overbuy or run out mid-job.
Big installs, big outlays
Replacements mean expensive equipment ordered before the customer pays in full, so deposits and clear terms matter.
A week at a five-truck HVAC and plumbing shop
- Emergency callA tech finishes a water heater repair and sends the invoice by text before leaving the driveway.
- Paid on the spotThe homeowner pays from the link by ACH, card or Apple Pay, and a receipt goes out automatically.
- Install quoteFor a system replacement, send an itemized quote the customer approves online, then convert it to an invoice.
- Agreements bill themselvesTune-up agreements bill as recurring invoices on autopay, so seasonal visits are paid for.
- Parts restockedParts on each invoice come off inventory, and a restock alert flags the fittings and filters running low.
- Settled at the bankPayments settle into the shop's account at its own bank and sync to QuickBooks.
Built for hvac and plumbing
Text-to-pay invoices
Send the invoice by text or email from the job and get paid by ACH, card or Apple Pay before you leave.
Maintenance agreements
Bill tune-up and service agreements as recurring invoices with autopay and automatic reminders on anything past due.
Install quotes
Itemized quotes for replacements and repipes that customers approve online and you convert into invoices.
Parts inventory
Quantities drop as parts are invoiced, and restock alerts tell you what to reorder.
Customer records
Each customer's payment history, signed documents and internal notes on one record your office can see.
Deposits on installs
Request a deposit when a customer approves an install quote, so equipment is paid for before it's ordered.
Supplier and sub payoutsIn pilot
Pay suppliers and subcontractors from business checking, with W-9s and 1099 totals tracked. Now in pilot.
For banks and credit unions
HVAC and plumbing shops carry parts inventory, buy equipment ahead of installs and run vehicles, which makes them steady borrowers and busy depositors. When their on-site payments and maintenance agreements settle at your institution, you see the receivables and seasonality behind equipment and working-capital conversations.
Where these businesses grow next
- Equipment financing
- Vehicle and fleet loans
- Business line of credit
In early access, Payouts collects W-9s from subcontractors and tracks payment totals for 1099 reporting, and payees enter their own bank details through a secure claim link.
Talk to our teamCommon questions
Can my techs collect payment in the field?
Can I bill maintenance agreements automatically?
What does it cost my customers to pay?
More in trades and field services
Finli is offered through your financial institution
Banks, credit unions and community lenders offer Finli under their own name, so your payments settle with the institution you already use. Tell us where you bank and we’ll ask them for you.