Contractor financing pre-qualification
OmniaIQ vs. GreenSky: Pre-Qualify Homeowners Before the Truck Rolls
Quick answer
GreenSky is the financing product homeowners apply for at the kitchen table. OmniaIQ is the pre-qualification layer that tells you which leads can afford the job before you dispatch a truck or sit down to present.
OmniaIQ is best for
HVAC, roofing, solar, windows, and remodel contractors that want to stop losing time and gas on unqualified homeowners.
GreenSky is best for
Contractors that need the actual point-of-sale financing product to close signed contracts.
Side-by-side comparison
| Criterion | OmniaIQ | GreenSky |
|---|---|---|
| Input required | Name, phone, email, address — no SSN | Full app at the kitchen table — SSN, income, employment |
| Time to verdict | Under 3 seconds at lead capture | Instant decision, but only after in-home visit |
| SSN required | No | Yes |
| Data returned | FICO band, DTI, spending power, program match | Approved amount or decline |
| Program matching | Matches to GreenSky, Service Finance, GoodLeap, Sunlight, cash | GreenSky products only |
| Customizable Pre-Qualification Forms | Yes | No |
| Customizable Pre-Qualification Website | Yes | No |
| CRM integrations | ServiceTitan, Housecall Pro, JobNimbus, HubSpot, GHL, webhooks | Contractor portal, mobile app for in-home apps |
| Pricing model | PAYG $5–$12/verdict + subs | Merchant fee on financed amount (varies by promo) |
| Implementation time | Same day via lead form | Days to weeks (merchant onboarding) |
| Best for | Filtering leads before dispatch | Financing homeowners who said yes to the quote |
How we compared: Compared on funnel position, in-home visit efficiency, decision quality, integration burden, and cost per booked job. OmniaIQ pricing from published rates; GreenSky merchant fees from published contractor disclosures. Verify GreenSky's current features and pricing on their site.
Which is right for you?
Pick OmniaIQ if…
- •You want to stop rolling trucks to homeowners who can't finance the job.
- •You want to know FICO band and spending power before dispatch, not after the in-home.
- •You want one filter that routes across GreenSky, Service Finance, GoodLeap, and cash.
Pick GreenSky if…
- •You need the actual financing product homeowners pay with, not a pre-qualification layer.
- •Your close rate is already at target and you don't need lead filtering.
GreenSky vs. OmniaIQ — FAQ
GreenSky vs OmniaIQ — do they compete?
No — they solve different problems. GreenSky is the point-of-sale financing homeowners use at the kitchen table. OmniaIQ pre-qualifies leads before you dispatch a truck.
Does OmniaIQ replace GreenSky?
No — OmniaIQ doesn't originate financing. It tells you a homeowner's FICO band and spending power so you know whether GreenSky (or Service Finance, or cash) is likely to work before the in-home visit.
Can contractors use both?
Yes — most do. OmniaIQ pre-qualifies at lead capture so you only dispatch to homeowners who can afford the job; GreenSky is one financing option they use at close.
Does OmniaIQ check homeowner credit?
Yes — a tri-bureau FCRA soft pull. It doesn't affect the homeowner's credit score.
How much does OmniaIQ cost per lead?
PAYG is $5–$12/verdict. Compare to the fully loaded cost of a truck roll ($150–$400) and the math clears in a single saved dispatch.
How does this improve close rate?
Contractors report 30–50% higher close-per-in-home when reps only sit down with homeowners who already passed a financing pre-check.
Does it work for solar and roofing too?
Yes — the same soft-pull pre-qualification works for solar (GoodLeap, Sunlight), roofing (GreenSky, Service Finance), and window/remodel (Enerbank, Foundation).
How fast can we go live?
Same day. Drop the OmniaIQ script on your lead form and verdicts route into ServiceTitan, JobNimbus, or your CRM via webhook.
Ready to see the verdict for yourself?
Schedule a 30-minute demo — we'll qualify your last 100 leads live.