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Home renovation providers know the feeling: a client falls in love with your design plan, they nod through the walkthrough, and then… they freeze at the estimate.
It’s not your price. It’s the sticker shock.
With inflation still sticking around and credit card APRs climbing, more homeowners are pumping the brakes on big remodels, not because they don’t want them, but because they’re terrified of the financial hit.
Big Projects, Bigger Price Tags
According to NerdWallet, remodeling a home can run anywhere from $15 to $150 per square foot. A full home overhaul? That could cost anywhere from $90,000 to $300,000 depending on where you live and what’s involved. Even a kitchen or bathroom upgrade can creep past the $20K mark quickly, especially when the surprises start showing up (1).
And if you’ve been in this business long enough, you already know: surprises always show up.
Old wiring behind the walls, water damage under the floorboards, or structural fixes from a previous DIY gone wrong; these unexpected issues can derail timelines and budgets fast.
So what happens? Too often, clients panic, delay, or cancel altogether.
The Financing Trap Clients Want to Avoid
Traditionally, clients looking to pay over time have leaned on one of three things:
- High-interest credit cards
- Buy Now, Pay Later (BNPL) services
- Home renovation loans
Each comes with its own friction.
Credit cards can rack up 20% or more in interest. BNPL offers might start at 0%, but miss a payment and suddenly they’re dealing with late fees, overdrafts, or even a dinged credit score. And while renovation loans can work for some, they often require excellent credit, income documentation, and collateral – usually the house itself (2).
It’s no wonder more homeowners are wary of taking on more debt. And that skepticism? It’s showing up in your pipeline.
Meet Clients Where They Are Financially
That’s where Clusivi comes in.
Clusivi’s Plan-to-Pay model gives your clients a smarter way to afford your services without needing loans, credit checks, or risky BNPL terms.
Here’s how it works:
- The client chooses their project.
- You both agree on a total cost and timeline.
- They begin making structured, automated payments before work starts.
- Once they’ve reached a milestone, like 50% of the project prepaid, they can move forward with the build, or optionally access short-term credit backed by their own payment history.
No interest. No surprise fees. No “sorry, your credit score doesn’t qualify.”
It’s a predictable, debt-free way to fund renovations, and it works because it respects the customer’s financial boundaries and your cash flow needs.
Why Providers Love It
Let’s be honest, deferred payment usually means you’re the one carrying the risk. Whether it’s chasing down late payments or waiting on loan approvals, the uncertainty can cause serious friction in your operations.
With Clusivi:
- You get financial commitment upfront
- Clients prepay in full or in part before project launch
- You reduce risk of cancellation or non-payment
- You stand out from other providers by offering flexible, transparent options
And since there’s no interest or compounding debt, clients trust the process more. That builds loyalty, word-of-mouth referrals, and smoother project execution.
Clusivi vs. BNPL: A Safer Alternative for Everyone
BNPL services have exploded in popularity, but they’re not built for home improvement. These platforms tend to work best for quick, low-ticket consumer purchases, not $50K kitchen renovations.
Give Clients Confidence. Give Your Business Stability.
We’re living in an era of financial anxiety, but that doesn’t mean homeowners aren’t ready to invest in their space. It means they’re just looking for a better way to do it.
Clusivi allows you to meet that need head-on.
Instead of losing a potential customer to loan rejection or BNPL regret, you give them a path to plan ahead, stay within budget, and commit to your services on a timeline that works for both of you.
That’s a win-win.
Ready to Stand Out in a Crowded Market?
Offering Clusivi isn’t just about helping clients afford home improvement, it’s about helping your business thrive in a cautious economy. Providers who offer structured, flexible options are closing more deals, increasing referrals, and keeping projects running smoother with upfront financial commitment.
So don’t let sticker shock kill the deal. Help your clients plan for it, and lock in the project, with Clusivi.
#HomeRenovation #ClientFinancing #PlanToPay #ConstructionBusiness #ClusiviForPros #SmartPayments #NoDebtNeeded #CloseMoreDeals
