Cash
Cash is typically the cheapest way for the homeowner to pay — no escalator, no APR, no dealer fees, no interest stacking. And you get paid immediately. If they have the funds and don’t mind a lump sum, lead with cash.
Pricing a cash deal
Section titled “Pricing a cash deal”Price the deal as normal — just don’t add any escalators, dealer fees, or APR adjustments. They’re paying cash. Sticker price minus rebate is what they owe.
Deposit at point of sale
Section titled “Deposit at point of sale”| Requirement | Detail |
|---|---|
| Minimum deposit | 20% at point of sale |
| Made out to | Sunny HVAC |
| Rest due | At install |
How to collect the deposit
Section titled “How to collect the deposit”You have four options to collect that 20% while you’re still in the home:
| Method | How it works |
|---|---|
| Cashier’s check | Standard, zero risk — preferred for larger deposits |
| Personal check | Fine — make out to Sunny HVAC |
| Cash | Literal bundle of cash |
| Square app (credit card) | We can set you up with the Sunny Square app — homeowner taps your phone or you charge their card directly. Same effect, same-day. |
After collecting, send Jonathan a photo of the check (or confirmation of the Square charge) before leaving the home.
When to recommend cash
Section titled “When to recommend cash”- Homeowner already mentioned paying cash
- Smaller deals where financing fees would erode the homeowner’s savings
- Homeowners who want to avoid any credit involvement
- Anyone who values the cheapest possible deal — cash strips out every fee
When NOT to push cash
Section titled “When NOT to push cash”If the homeowner doesn’t want to fork out $15K–$20K up front but says “I’ll pay cash” because they don’t want to pay interest, redirect them to:
- Synchrony 0% / 25 months — same effect (no interest), no lump sum
The homeowner gets the “no interest” outcome without the cash hit.