SetSale now integrates with Palmetto through their Palmetto Comfort Plans, a lease-based financing option that helps homeowners afford HVAC equipment without a large upfront payment.
How It Works
The Palmetto Comfort Plan is a lease program — not a traditional loan. Instead of borrowing money and paying it back with interest, the homeowner leases the equipment over a set term (e.g., 10 years). Palmetto owns the equipment during the lease period, and the homeowner makes monthly payments.
This gives your customers a way to get the HVAC system they need, even if they aren't in a position to pay the full cost upfront.
What Does This Mean for Contractors?
With the Palmetto integration enabled in SetSale, you can:
Offer lease-based financing directly within your quotes
Present Palmetto Comfort Plan options alongside your standard pricing in the customer-facing presentation
Track the status of the Palmetto lease process from within SetSale (credit application, contract signing, approval, and notice to proceed)
Streamline change orders — if the quote changes, the financing updates automatically
Key Things to Know
Lease rates come directly from Palmetto. The available plans and rates are determined by Palmetto based on factors like the homeowner's state and the estimated lease amount. These are not configurable within SetSale.
SetSale does not manage the Palmetto lease process. Credit checks, underwriting, contract signing, and approvals are all handled by Palmetto. If you or your customer have questions about the lease itself, contact Palmetto directly.
Your customer information feeds into the application. The homeowner details you enter in SetSale (name, address, etc.) are passed to Palmetto automatically, so the homeowner only needs to provide their date of birth and Social Security number to complete the credit application.