Once your Palmetto account is connected, you can offer the Palmetto Comfort Plan as a financing option on any quote. Here's how to build and share a quote with Palmetto financing.
Creating the Quote
Create a new quote as you normally would — add your customer details, equipment, and pricing.
There's no change to the quote creation process. SetSale sets up a Palmetto account for the quote automatically in the background.
Scroll down to the Financing section of the quote.
You'll see the Palmetto Comfort Plan listed with available lease options. These rates are pulled directly from Palmetto based on the homeowner's state and the estimated lease amount.
Understanding the Lease Options
The Palmetto Comfort Plan offers lease terms, not traditional loans. Each option shows:
Term length (e.g., 10 years)
Escalation rate — This is the percentage by which the monthly payment increases each year over the term. For example, a 0.99% escalation rate means the payment grows by 0.99% annually.
Important: Escalation rates are not interest rates. They determine how much the monthly payment increases year over year. A 0% escalation means the payment stays the same for the entire term.
The default selection is the 0% escalation, 10-year plan, which is typically the most straightforward option to present to homeowners.
Selecting a Plan
Choose the lease plan you'd like to present to the homeowner from the available options.
The selected plan will be reflected in the customer-facing presentation for that pricing tier.
Note: If you've selected both a Palmetto Comfort Plan and a standard financing promotion on the same tier, the Palmetto Comfort Plan will display as the default option in the presentation.
Refreshing Rates
If you see a Refresh button next to the Palmetto Comfort Plan section, you can click it to pull updated rates from Palmetto. This is useful if:
The page loaded before Palmetto rates were available
You've made changes to the equipment or pricing and want to see updated estimates
There was a temporary connection issue when the quote was created
Sharing the Quote
When you share the quote with the homeowner, the process is the same as any other quote:
Review the presentation to confirm the Palmetto Comfort Plan details are displayed correctly.
Click Share to send the quote to the homeowner via email.
The homeowner will receive an email that includes a link to complete the Palmetto credit application as the first step (see The Homeowner Experience for details on what they see).
What the Homeowner Sees in the Presentation
The customer-facing presentation will display:
The Palmetto Comfort Plan as a financing option
The first-year monthly payment amount
An info icon explaining that this is a lease with the selected escalation rate
Tips
All rates are estimates. The final lease terms are determined by Palmetto after underwriting and approval. Rates displayed in the quote are based on current estimates and may change.
You can't customize which plans appear. The available plans are provided by Palmetto and can't be modified within SetSale.
Creating a quote with Palmetto doesn't take longer. The integration runs in the background and shouldn't noticeably affect quote creation time.