Turn a $3,200 pump replacement into $89 a month.

Every invoice in the homeowner portal now shows a "Pay with Klarna" button alongside the regular pay-by-card option. The homeowner taps it, picks a term (3, 6, 12, 24 or 36 months), and Klarna runs a soft credit check that takes seconds and never affects their credit score. They see their exact monthly payment before they commit. Once approved, they pay nothing on day one — Klarna pays the contractor and bills the homeowner monthly from then on.

No paperwork. No long-form application. No phone call to a finance company. The whole flow happens on their phone in under two minutes, the same way they'd checkout on any e-commerce site.

You don't change anything about how you quote or invoice. You write up the work the same way you always have — pump, labour, tax. The financing option appears automatically on every invoice over a minimum amount. When a homeowner picks a Klarna plan, Klarna deposits the full invoice amount into your account within 1–2 business days, less a small merchant fee (comparable to a card-processing fee). The invoice marks itself paid in SplashIQ. You move on.

You never carry the credit risk. You never chase a missed monthly payment. You never have an awkward conversation with a homeowner about an overdue balance, because there isn't one — Klarna is who they owe, not you. Your relationship stays clean and the next time their salt cell fails they're still your customer.

When a homeowner declines a repair because of the lump-sum price, the contractor doesn't just lose that one ticket. They lose all of the downstream value: the emergency call-out fee they could have charged when the equipment finally fails, the chemistry treatments they sell trying to compensate for failing equipment, and — most painfully — the trust the homeowner had in their judgement. A homeowner who turns down a $3,200 quote and then has a $6,000 emergency three months later doesn't blame themselves. They blame the contractor for not "making it work."

Financing removes that pressure on day one. The contractor recommends the right repair at the right time, the homeowner says yes because the monthly is affordable, and the equipment gets replaced before it fails. Everybody wins — and the contractor's average ticket size goes up materially because expensive but correct recommendations stop being declined.

Klarna is one of the largest consumer financing networks in the world, with 150+ million active users and decades of credit underwriting experience. SplashIQ integrates Klarna directly into the homeowner portal and invoice flow so there's no separate account for either side to manage. The homeowner sees a brand they already recognise and trust from online shopping. The contractor gets a battle-tested credit engine doing the underwriting, the collections and the customer service — all of it invisible to the day-to-day of running a pool route.

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