Transcript

Sales Success: Unlocking Potential Through Financing with Justin Hatcher

From Home Service Expert · Episode page · Watch on YouTube

· 52 min · 10,369 words · 110 timestamped sections

This is the full, timestamped transcript of "Sales Success: Unlocking Potential Through Financing with Justin Hatcher", an episode of Home Service Expert published January 12, 2026 (52 min, about 10,369 words). It mentions 13 people, works and ideas, including One and Fund, Amazon, Renewal by Andersen, Leaf Fitter, OneClick.

What this episode is about

In this discussion with Justin Hatcher, president of One and Fund, he shares insights on how innovative financing solutions can empower home improvement contractors to close larger projects and scale their businesses. With over two decades in sales and consumer financing, Hatcher emphasizes the importance of strategic financial programs in driving significant growth within the industry.

Key takeaways

  • Home improvement sales thrive on financing—65% of projects are funded, not just sold.
  • Transitioning from radio to renovations? Justin's journey shows cash is king in unexpected places.
  • Siding houses in winter: a recipe for 'no thanks'—focus on sales instead!
  • One and Fund connects contractors to lenders, flipping the financing game from baker's dozen to buffet.
  • Top performers integrate financing into their pitch; it's not an afterthought, it's a strategy.

Who speaks in this episode?

What is discussed, and when

  1. – 5:00: One and Fund, Renewal by Andersen, Big 12 Finance Council, Justin Hatcher
  2. – 10:00: Leaf Fitter, Tunderland
  3. – 20:00: Leaf Fitter
  4. – 25:00: One and Fund
  5. – 30:00: Amazon
  6. – 35:00: Amazon, One and Fund, OneClick
  7. – 40:00: One and Fund
  8. – 45:00: Amazon, OneClick
  9. – 50:00: Renee Brown, The Art of War
  10. – 52:06: Michael Hoy

Notable quotes from "Sales Success: Unlocking Potential Through Financing with Justin Hatcher"

  • I'm in Phoenix. He's an expert in sales, business, and financing. He's based out of Appleton. He's the president of One and Fund. Justin is the president and visionary behind…
    about One and Fund · at
  • Always wanted to go back. And then when my beautiful bride dragged me from Minneapolis to Oshkosh, Wisconsin, it led me to Renewal by Anderson Windows.
    about Oshkosh, Wisconsin · at
  • Fund you were part of some very high performing organizations, Renewal by Anderson, Leaf Fitter, Tunderland. what patterns did you notice in how top performing teams use financing differently from the average companies?
    about Leaf Fitter · at
  • Different developers. My old neighbor, he used to work at or he still does work at Amazon as a like in cyber security.
    about Amazon · at
  • Yeah. That I think you just need to sit down. When you did the merger between One and Fund and OneClick Contractor.
    about OneClick · at
  • Renee Brown. Is there any books that you're This is a must readad if you're going to be successful other than the E-Myth and like.
    about Renee Brown · at
  • And fortunate to work with a lot of them. I'm going to say Michael Hoy has been, a good friend and a mentor of mine, too, with the CEO of Great Day Improvements.
    about Michael Hoy · at

Who and what is mentioned in this episode?

People

Books & papers

  • The Art of War — Book · 1 mention · first at
    I have I do the same with that one, just I think I pick up something every time I reread the Art of War. So, that's great. Two great books. I think, the Art of War just explains patience and just being able to weather.
  • The Giver — Book · 1 mention

Companies & orgs

  • One and Fund — Company · 6 mentions · first at
  • Amazon — Company · 4 mentions · first at
  • Renewal by Andersen — Company · 3 mentions · first at
    And scaling high performance sales and consumer financing programs. A former member of Renewal by Anderson Finance Council and the Big 12 Finance Council, he helped Thunderland…
  • Leaf Fitter — Company · 3 mentions · first at
  • OneClick — Company · 2 mentions · first at
  • Big 12 Finance Council — Company · 1 mention · first at
    Consumer financing programs. A former member of Renewal by Anderson Finance Council and the Big 12 Finance Council, he helped Thunderland grow from 25 million to over 125 million in annual sales by financing 65% of the projects.
  • Tunderland — Company · 1 mention · first at
    Fund you were part of some very high performing organizations, Renewal by Anderson, Leaf Fitter, Tunderland. what patterns did you notice in how top performing teams use financing differently from the average companies?

Places & events

Full transcript with timestamps

Welcome back to the home service expert. Today I got Justin Hatcher in the house. Uh not really. He's in Scottdale, but uh I'm in Phoenix. He's an expert in sales, business, and financing. He's based out of Appleton. He's the president of One and Fund. Justin is the president and visionary behind One and Fund where he helps home improvement dealers close more and bigger projects through smaller financing or smarter financing. With over 20 years in the home improvement and financial industries, Justin has a deep expertise in building, managing, and scaling high performance sales and consumer financing programs. A former member of Renewal by Anderson Finance Council and the Big 12 Finance Council, he helped Thunderland grow from 25 million to over 125 million in annual sales by financing 65% of the projects.

Now leading One in Fund's innovative patent pending one look platform, Justin is redefining how contractors scale, scale, and win. Pleasure to have you on, Justin.

I appreciate it. Thanks for having me on Tommy. I'm excited, man. Why don't you just uh why don't you just kick us off with telling us a little bit about you, your upbringing, how you got involved with home improvement, and what you're looking forward to.

Yeah. Uh, so I am from Minnesota originally and I did not want to go to college because of I figured it wasn't the life for me. So I was going to get into radio broadcasting and was got accepted to school. I actually had an internship at a big radio station and then I started siding houses in the summer for one of my brother's buddies and I was making like $15 an hour cash and I thought it was the greatest thing in the world. So, I decided not to go to radio broadcasting school because I didn't want to get sent to like Topeka, Kansas or somewhere like that. Not that there's anything wrong with Topeka, but just I didn't want to go to a smaller market. So, I decided to stay with siding houses and I lasted one winter and I realized that installing in the winter time is not my future. Uh, so that led me into selling home improvements. I was like 19 or 20 at the time. Fell in love with sitting in front

of Mr. Mrs. Jones sold a million dollars, you know, back in the early 2000s. And I did that for several years, which led me to the mortgage business cuz re reason it led me to the mortgage business is how we financed projects back in the day. There was like one unsecured lender. Otherwise, I used to be like, "Okay, Tommy, let's get this project done. Help me understand what you're paying for this, what you're paying for that. What we're going to do is we're going to roll everything into one mortgage and we're going to refinance your house and lower your monthly payments and get this project done."

So, I I was selling mortgages without realizing I was selling mortgages. So, that's what led me to actually get in the mortgage business, but I I kept on missing the home improvement space. I always wanted to go back. And then when my beautiful bride dragged me from Minneapolis to Oshkosh, Wisconsin, it led me to Renewal by Anderson Windows. So, I started selling in the home again, which led me to a guy by the name of Brian Gotley, who I know you've had on this show before.

Good buddy. Yeah, he's amazing. Yeah, Brian's awesome, man. Um, so I I ran his financing. So I I was in charge of training sales reps how to offer financing at the point of sale, negotiating with lenders to helping uh, you know, customers. You know, I had my sales reps only one run financing option in the house and then my team would take that over and and chase second look and get those deals done, talk to Mr. Mrs. Jones over the phone and chase them down. Uh, fast forward to when Brian started to sell his businesses. I stayed on with one of the acquisitions and then also had a side hustle where I had deals with uh a lender and then I have a lot of friends in this space. I had negotiated rates and programs for my friends and network and my wife and I quickly realized, hey, we have a business here. We could we scaled it really fast and really quickly. what our blind spot was. We couldn't we realized

we couldn't rely on one lender. And so once that lender was acquired by a bank and they actually shut down that program, we sat back and said, "All right, we have a business." Well, we just don't have a perfect business model. So then we sold that business to create onein funds. So we have a a platform where lenders live on and we can actually dictate the terms with the lenders and just create that level playing field so contractors can win more than than the lenders can

and that's led me to uh where we are today. So what what one and fund is how many finance ores are involved with one and fund?

Yeah. Uh good question. So today we have we have seven lenders live today and then we have four lenders that we're currently integrating with uh on top of that.

I love that. We're going to talk about a lot more about that. But before one and fund you were part of some very high performing organizations, Renewal by Anderson, Leaf Fitter, Tunderland. Uh what patterns did you notice in how top performing teams use financing differently from the average companies? Yeah. Um, you know, 65 to 70% of their jobs are being financed, right? I I worked for some smaller companies prior to that and they almost fell into financing without even trying or they would present price and all a sudden like, oh, but we have these great financing options, you know?

So, what I I saw these top organizations do is they they wo it into their sales presentation, right? So starting from their marketing of hey we have no payments until XYZ or payments as low as you know. So all that did is it set up their sales reps how to have those conversations in the home. So that way through that entire process you could drop these seeds to the consumer of hey finance this or payments here you know so it's it really set them up.

What is there like a magic number? I've always thought like garage door prices went through the roof during COVID and I felt like after $5,000 was when people started to consider more like I'm not going to put it on a credit card. I'd rather just And when I talked to Mark that we just talked about earlier, he's like listen if you could keep it under $145. Most people take a 10-year loan and they pay it off in two and a half years. He goes, they just want to know they could afford it for a rainy day, Christmas is whatever it might be. Most people tend to pay it off a lot earlier than the loan lasts. Is there like a number that you find that's like people definitely choose to finance?

Yeah. I think it's all about how the conversation's set up, right? When I was selling Leaf Filter, my average ticket was like $4,100, but I financed 90% of those projects, you know? So, it's I mean, if you look at today, I mean, the average person maybe has four or five grand in their bank account at the moment in their savings, you know. So, I I think that four to five is kind of when that conversation starts, you know, but if it's a situation where, you know, you can easily write a check for $5,000 for for new gutters, right, Tommy? But if I could tell you that you could keep that in your bank account for a year and you could make 10 15% on that money in your bank account, wouldn't you rather use financing and take advantage of a 0% versus giving me the money today to get that project done now?

Now, what what's the plan on that? because you're obviously paying dealer fees. So, if someone wanted to pay a check, what's the advantage of doing financing other than usually the ticket average is higher because you're using other people's money.

Yeah. I mean, from the obviously that's directed towards the contractor, right? So, what's the advantage? You know, my take on this is this. I like frictionless ways for customers to pay, you know? So how we did it is we our average cost of the average plan that we would allow our reps to have was 8%. You know and then we looked at what our average cost for credit cards which is just call it 3% and we looked at the percentages and we took a you know 20 about 15% of our projects were credit cards 60 of it was financing. So we did an average it was like 4 and a half points. So what we did is we just took a 5% price increase. So no matter how you paid for that project, you know, where how however that consumer pays for it, whether it's a check, credit card, or financing, it's all the same price and it's a net, you know, net positive to you, right? So it's actually not cost you anything if you build it out that

way. Yeah. Just take a price and increase. So when you helped take from 25 million to over 125 million in annual sales, you you it was largely because you weave financing into the DNA of the sales process. What were the early lessons that you learned that shaped how you kind of built that process?

Oh, I think Brian's been on here and he said if you're going to be wrong, don't be long for don't be long for wrong, right? Um, you know, it was just we were a really welloiled machine like as a leadership team. So, we had, you know, daily check-ins with each other and we were like, "Okay, how's this marketing working? How's this working? How's sales working? you know, the lenders performing the way they should be. So, we were we were constantly checking up on all of our KPIs that we had set so that way we could always hit those, you know, and I think the other thing is, you know, we weren't thinking like a a $25 million company when I started, you know, we were thinking like we were a $50 million company. So, we were always thinking we were bigger than we were.

So, we could scale towards that versus, you know, every every home improvement company flies by the seat of their pants. Some just do it better, right? Yeah. No, I I think about Leaf Fitter. I see their commercials probably six or seven times a day. I mean, it's crazy. And I'm like, how many people need a leaf guard? Like, I mean, they're good commercials. Uh, and they remind me of Anderson's commercials. Uh, and you know, that's something that you don't need. It's something that it's it's like something that you might want, right? It obviously could save you money in the long run. and it makes it makes less leaks happen and it saves your roof. But what what do you think is is it mostly TV that they're doing? What is the marketing play for some of these large home improvement? because you know I I you know I don't know if you want to talk about this but Renovo just shut their doors and you know that

was a Black Rockck company and I just wonder you know that was a big thing and I know I'm kind of bobbing and weaving here to bring that up but

but what do you want to chat about with that? It's interesting. So when I was in that big 12 group, um, a lot of the a lot of those Renovo companies were in also in the Big 12. So they were all friends of mine. Um, you know, and I I think my take on it was I guess we step back and look at it, you know, private equity, they understand how to run a business. They understand how to run a P&L. You know, I think where their biggest area of opportunity is when it comes to these home improvement companies that they're buying, where they what they don't understand is how to weave culture into the business. And they don't understand how important the culture of that business is to make your team want to strive, right?

I mean, and they also run everything off of one month's P&L, which unfortunately you're going to have bad months in home improvement, but you can't go fire a bunch of people because you didn't hit quota that month, right? you know, so I feel they I mean, yeah, right. I mean, you you see that all the time, I imagine.

Well, Tony Hod had emailed or Facebook messaged me and he's like, you know, these young kids and their spreadsheets, uh, that has nothing to do with the culture of a business and there is going to be highs and lows and you got to remember the people come first. if you your net promoter score internally is probably the most important thing. Brian would agree and I think you'd probably agree. And I think it's just so easy to say we're going to cut our way to the top and we're going to fire and we're going to top grade, but you know there are this is a weird time. I mean the economy I think is headed in the right direction, but you got to be able to with withstand good years and bad years.

I mean co was the best thing that ever happened when everybody was stuck at home doing good stuff to their house. uh at least for home improvement and home service. It's very interesting. You know, there's so many great stories about private equity and there there's a lot of not so good stories. What do you think what do you think makes a great PE company to partner up with?

You know, I think it there's a couple things. You know, you have you have to interview them just like they're interviewing you. I think that's the thing, right? just because, you know, as a bit as an owner of a business, I probably get, you know, 30 inquiries a day about somebody who wants to buy my business, right? And, you know, as a curious individual, I've I've actually taken some of those calls and it's just it's a bunch of waste your time, right? But to be more specific with your question, I mean, it I think they have to align with what your values are and what your you know, what your business values are. And if you can ali align with that, that's going to make a good partner. I mean, I they're going to I I think a lot of people struggle with if you do take money from private equity, it it depends on how much you're taking for one, as far as a percentage of your business and how much you're willing to

have somebody else have a say in your business, too, right? I mean, if you have majority ownership, yes, you still need to measure up to the KPIs because they they gave you money, but I mean, I I think it just depends on how much you want to have ownership and say in that.

Yeah. You know, I hope that if you're the CEO and founder, one of the things I've learned is the PE companies are getting smarter and making sure the founder is staying on and still stays motivated. The hard part for them is, you know, they've got limited partners that they got to answer to every week. And, you know, they're they're taking money from pension funds and different firemen and police officers and teachers and unions. And then, you know, the hard part is you're giving somebody maybe a hundred or $200 million depending on the size of the company. Then how's the is the founder going to stay as motivated and how old are they? What are their goals? What are their aspirations? How big is their family? Do they have grandchildren? Do they want to continue to sprint? And that's the hard part I think to make that from a PE perspective.

Yeah. And I think you're spot on, right? But the other thing with the private equity, it's not like they're most of them don't just have that cash sitting around. They're financing that debt to buy some of these businesses. So, I mean, it would explain why maybe they are so driven on like this needs a hit, this needs a hit because they're living on a very small time frame themselves.

It's very hard when you got to make if they borrow several hundred million to pay the founder, you know, that that puts a real constraint on the company because the company's got to put out that cash every quarter or every month to pay the lender. So, I think if you were smart and you were talking to private equity, you say overeatize the deal, meaning pay more cash. You'd want a partner that was has the cash to fund the deal mostly without taking a massive amount of debt. You know, with with HVAC, they're able to take 67x IBIDA.

And if they max that, then you're you're sitting there having to make these massive payments because you're super leveraged. And so, I think that's a really good point is how much cash are they borrowing versus putting in from the fund. And going into my next process, whenever that is, I'm going to make sure that that's like the partner I choose is going to be, you know, a massive company that has the cash to be able to put most of it up because those first couple years are so important because you want to go buy companies those first couple years. You want to you're a little bit more aggressive, but if you don't have money and you're making these large payments, it's kind of a bad situation to be in.

No, I agree. You know, and I I mean going back to even the if the founder if stays on and that they don't stay on, I I've definitely seen, you know, I work a lot of private equity groups, right? Some do it really well, some are scattered, right? And they they let all their groups kind of run by themselves and not trying to create that, you know,

symmetry, centralized process. Yeah, exactly. Um, but the ones that I found successful are the ones that the founders have stayed on and they've they've kept that culture, but they've also, you know, are open to that centralized process with the the group that owns them.

I agree. Uh, going back to Anderson and Leaf Fitter and uh, you know, the other companies you've worked at, it's uh, Tundland. What what are the best things they do for marketing? What are the things that you found to just be super effective? Obviously, I see the ton of TV. What other I see Anderson whatever handwritten letters that are at every single event. I mean that those guys do a fantastic job. I mean they are they are everywhere. Uh but what what works the best as far as marketing that you've seen that you would just if you were going to start up a home improvement, these these would be the critical things you would be doing no matter what?

Yeah. Um, I mean to that point, I'm actually at a a a one-day bath conference right now and Jacuzzi's here and they, you know, they're they're explaining their product and they have 150 different lead sources just for digital marketing, right? I mean, so, you know, obviously the easy answer is digital. SEO is going to be what you need. You know, if if I were to start a new home for become today, I would focus on the community and how I can weave my brand into those communities. And whether you're going to a cherry festival or a a music festival, doesn't matter that I'm in that community and my my brand and culture is weaved into the the culture of the community. That's what I would do first.

And do you think TV do are you a big believer in radio and billboards or not really?

Not so much radio and billboards. Um, you know, much like yourself, co was awesome and TV was, you know, what really helped a lot of what helped Tundrland's growth is everybody was at home. So, I mean, I'm always going to be partial to TV. You know, I think with TV, what people need to think about is, yes, spend money on TV, but make sure that you know what spots you're running on with your TV. Because if you run a an ad where you don't have your call center open to take those calls, you just wasted a bunch of a bunch of leads and a bunch of money, right?

What's the follow-up sequence like? I I've done a couple roofing companies that are pretty worldrenowned. I've done Jacuzzi, talk to the people that do the marketing over there. I mean, it is like speed to lead and just relentless and it's like 90 days they're still calling daily. Uh, you know, how much is too much? I was talking to the guys at Cortech, which is the PE company we work with. They're like, 25 times in a month, that's outrageous. But I'm like, that doesn't mean you're getting a hold of them every time. And there's email, text messaging, voicemail blast, there's letters, there's a lot of different ways. So, you're hitting them from you could do geo fencing, you could do OTT.

There there's just so much you could do. It doesn't mean you're just calling, but that's one of the the best ways is to get them on the phone. But how much is too much? And what have you noticed with the follow-up process in this type? Yeah, I there's definitely a fine line. I mean, it's almost to the point where either they're going to tell you to stop calling or they're going to do business with you. I think that's the fine line there, you know, but I I think of myself when I'm, you know, I might get a wild hair and be like, "Hey, I really want this XYZ thing, go online, fill out the lead form, and maybe once I they start calling me, I'm not in the mood to have those conversations." Yeah. Do I still want that or not? So, I mean I, you know, I think as myself as a consumer, and we're all consumers, you know, sometimes I need that extra push, you know, or if somebody's trying to sell me something,

I'm like, "Hey, look, it sometimes I'm hard to get a hold of and and just busy, so just it's okay to reach out to me." So, I I'm okay with basically until they tell you to stop calling or they move forward with you.

I like that. I like that a lot. So, you said before that financing isn't just all about affordability, it's about access and confidence. Can you take us back to the moment when you realize that financing could actually become a sales strategy rather than a barrier to closing deals? I mean, what was the mind shift change?

Uh, yeah, you know, I think it's still a working shift in this industry. Uh I, you know, a lot of my friends who are finance managers for these large organizations, we always kind of joke and say we're the uh the black sheep of the home improvement business, even though that we're one of the most important pieces for that. Um you know, everybody there's always a a focus on your call center has a script. Your sales team is very heavily scripted. Even your production teams are scripted, your call center teams are, you know, there's really not a script for financing, you know. So, it's it's really building that script into your your current current sales model. And it's not hard. There's really four things you need to do. It's market.

It's talking about it before you go do anything else, right? So, I would teach my I we teach this of like, "Oh, hey Tommy, how'd you hear about us?" "Oh, Valpack, great. Do me a favor. Grab that Valpack ad." And they would grab that Valpack ad be like, "Oh, that's our 20% off and our 12 months no interest, no payments. our customers are really loving that right now. So that's a spot right there where you're not only telling them that other people aren't buying your service, but people are financing it. And then I would do my needs analysis and just why am I here?

What do you need? All those different questions, whatever your discovery questions are. And before I do the walkound and be like, "Hey Tommy, really quick, you know, when people move forward with us in several different ways. Some like to write a check. Some like to to maybe put on a credit card and finance some of it. And some like to fully finance. You know, which bucket do you think you'll fall into? And just pause for a second. And if they answer and start talking about financing, go for it. Like have that conversation because that means they're they're serious about the project and they're very interested in that, you know. And then the the fourth thing is just present financing to everybody, you know, because you technically have to because otherwise it's uh you're discriminating against people, right? So if you're offering financing to one, you must offer it to everybody.

So that's really the process to do it. It's pretty simple. And the average ticket goes up dramatically, doesn't it?

Yeah, it's it's pretty crazy. I mean like we do we work with all the different recording softwares like Reel and Zero and typically if you're offering somebody a payment option your average ticket goes up by like 25%.

I love it. I think in the home service space it's actually like 200%. I mean usually might be a little bit smaller numbers for like HVAC or something but it's it's massive

for one and fund uh one look platform. It simplifies the entire financing process into one softpool multi- lender system for a lot of people in the space that that innovation almost seems impossible. What did the development process look like and what were the problems that you obsessed oversolving?

I don't think we have enough time for that. But um you know I I you know I used to work with a lot of different platforms. Um, so being an old mortgage guy, I wanted to streamline that approval process. So that's why we do a soft credit check up front, you know. So what we can do with that is that let's say it's a you know it's a prime customer that's easy you know it's going to go directly to that prime lender get your approval in 30 seconds you know but if you have a subprime customer that maybe they have some challenge credit but they're still deserve your product you know if you're thinking of like the traditional model of it going to lender A B C and then D not only is that a long time and just a really poor customer and rep experience it it leads to a bunch of FUD down the line cuz they're going to receive a bunch of decline letters from all those different lenders. So, we wanted to

streamline that process, make a 600 FICO score feel like an 850 buyer, you know? So, we're going to go directly to that lender that's going to give them the highest approval. So, that way instead of the sales rep saying, "Oh, Tommy, you know, this lender didn't take it. Don't worry, I have another lender that can look at this." They're saying, "Congratulations, you're pre you're approved." Right? So, it just makes it just an easier conversation. is going to convert a lot higher. We typically see about 12% higher conversion rates on finance deals because we're we're giving those approvals right at the point of sale, you know, but to go back to the development question, uh it's actually a funny story. So, when we were building this, I you know, we talked to a ton of different developers. My old neighbor, he used to work at or he still does work at Amazon as a like in cyber security.

So, we were having beers one night and I'm telling him what we're going to do. He's like, "Oh, I can build that." And I'm like, "No, dude. We're we're really going to do this, right?" He's like, "No, I can." I'm like, "How about I hire you hire you as a consultant and you can interview these tech platforms for me." So, we talked to a couple of them and he's like, "These guys suck. I will build it for you." And I'm like, "Once again, man, we're really going to do this. I need you to do it." And he's like, "I got it." So, we start integrating our first two lenders. We have a we have a go live date of January 1. So, I'm at a uh a concrete floor coding national sales conference because they picked us to be their financing partner and I am selling this Oh, can I I don't think I

I'm selling our platform. It can slice, dice. It can do everything. We sign up 50 of these dealers. We go live. They start so many applications and it doesn't work.

Oh, like we have to we have to push everything on the back end manually. I'm taking these calls. Everybody's just like feeling this stress. So, I'm calling my buddy. I'm like, "Dude, this doesn't work. What are we going to do? We resolve the situation." Uh, we end up hiring a full-time CTO. We had to rewrite some code, rewrite the platform, but now it works beautifully. I mean, there's obviously everything that comes up. We're always enhancing the product, but it uh those first several months were very uh stressful, I'll say.

Well, I love the idea of it. your goal is always to get the approval and and you know I used to talk to all the guys that were sitting on the back end of whether it was good leap or service finance or green sky and especially in HVAC when it was a 20 $30,000 deal they would figure out you know as the wife there that what and what you know there's the good thing about good leap is they they pull the best credit uh they pull from all three bureaus they take the best one and they say listen what do they do for work how long have they lived in the house they were basically underwriting it they were figuring out a way to get to yes. And that takes time and you don't want to do that with $4 or $5,000 deals. You know, if you got a big deal, you could see wanting to do that, but so your platform makes it simple.

It does. And we have um and we have support team, right? So we do have a chat bubble. It's actually not bots, it's actual chat bubble. Um so there maybe they're in a situation they can just the rep can calmly go on their computer, click the button, be like, "Hey, is there any other options with this?" And you know, our team can be like, "Hey, have you thought about flipping the the two customers or flipping the two borrowers or you know, can they get a co-signer? Can they do this?" You know, we're always coaching too as far as if there is a a decline.

You know, we have some micro messaging that pops up that says, "Hey, have you thought about getting a co-signer and or asking them if they can put half down, half upon completion?" You know, always trying to do whatever we can to to save that deal. Yeah, I think a lot of people need coaching on how to I love the four steps. You got to get it in the marketing. That's something I need to do a better job of. And uh that's something I'm going to focus on this week. Yeah. How do you actually one thing I want to just what you just said I mean you know I was reading this or listening to this Bnee Brown book and she had a really interesting quote about this like software is not going to fix your problems you know and it it really resonated with me just because owning a software business and you know we have these tools that can help a lot of people and a lot of you know consumers and a lot of businesses out there but if

you're not willing to have the mindset of changing your process. Software is not going to fix it. It's going to help, but it, you know, it's it's a mindset shift of, hey, I need to I need to stick to this process, understand this process, and commit to this process, and now this technology is going to make it go, I'm going to get tfold out of this.

Yeah, you're absolutely right. I mean, you use Revo or Cro. We created a pretty cool tool called PhilSpark that competes with them. But those tools don't work if you're not coaching and listening to the calls and highlighting the good stuff and really understanding how to coach using those tools. So I agree with you wholeheartedly. You could have the best CRM, but if you're not putting the data in correctly, there's just a service tech could be a lot to handle. And so we use PowerBI to kind of digest all the data in a way that we could actually coach with it. Um, how do you balance simplicity for contractors with the the complexity of a multi- lender system?

Yeah. Uh, and our platform gets more complex every day. You know, it it all starts with just, you know, when we first meet with a contractor, we're going to seek to understand, right? We want to understand their business, you know? So we're going to do a a deep dive into understanding, you know, what lenders they use, what programs they use, you know, what their strategy is for their marketing, what their strategy is to how how to what their process is that's offering financing, you know. So once we understand that, we can say, okay, here is what we recommend. You know, whether that's using your current set of lenders or, hey, maybe these are some different lenders that you need to add to your stack. You know, whatever that situation is, it's it's it's not a one-sizefits-all. It's very customizable into what's going to fit into their flow. Um, you know, all of us that work for this company, we're all exhome

improvement dudes, right? So, we we never want to come in and blow up your model, you know, we want to be a compliment to your model, you know? So, we we can help guide you as much as you want us to or, you know, if you want to just say, "Hey, this is what I want. This is how this is going to flow." Perfect. We can program it to be exactly that for you.

Yeah. I mean, the best companies on the planet are over that 70% financing. It's the number I always hear. It's it's whether it's HVAC, roofing, home improvement, bathroom, you know, remodels. Uh it's it's a big spot that I feel like we're missing the boat. And it's just it's a complete culture shift because technicians tend to think if if if they don't have money, let's offer them financing. But the idea should be like you said, everybody gets and the the wealthiest people in the world use other people's money. So everyone should get that opportunity.

Well, yeah. And you know, I would I would challenge your technicians and say, "Hey, have you ever bought anything on Amazon?" Which we all know they have, but I mean, if you go on Amazon, you buy a $50 item, they're going to give you payment options, right? So, I mean, we're conditioned as consumers to to make payments or to take advantage of these different things, right? So, it's a lot of it's 100% of its mindset. I totally agree.

You know, there's all kinds of mistakes when it comes to offering financing. If you were training a new home improvements salesperson today, what's the one mindset that you would teach them to win big?

Um, stay out of your own head trash would probably be number one. Um, just because you would do this or don't agree with what this can, you know, what they want to do. I mean that's it's not your decision to help you know it's your decision to help guide them but if they want to make this decision to finance or do this or that it's it's don't do that don't talk them out of it because you wouldn't do that. I think that'd be the number one thing I'd say and follow the process of course. But

yeah, well it's so funny because I I interview my technicians, the best guys once a week and it's always I shift around different people and they say, "Man, I just follow the process." And I'm like, "Man, I need more than that. I need more than that." But it's true. Once the process is dialed in, it's like, and you got to be willing to have the hard conversations. You know, you wanted us to come out here. You wanted your order to be safe. you wanted to make sure it's working every time you hit the button. So, what what do we need to do during your business? And a lot of people don't sit at the kitchen table and ask for the sale. They don't spend the time with the both homeowners and really go through a really really long, you know, answer all the questions, ask great questions, be quiet when they're responding, and do showand tell. I mean, uh what's the guy's name that used to carry a uh GoPro? He used to sell

gutters. Um, Rodney Webb. You ever heard of Rodney Webb? I've heard of Rodney Webb. Yeah. I listened to a ton of his books back in the day when I was selling. So, yeah.

Yeah. That I think you just need to sit down. When you did the merger between One and Fund and OneClick Contractor. How did that come together?

Yeah. Fast. I'll say that. So, we were we were actually looking at doing a three-way merger, which would have been insane if we actually pulled that off. But uh so thankfully the third company's board had some questions. Um and they were probably the the one that didn't make the most sense. Anyways, so the the two of us look at our business. We're like, "Hey, we actually really compliment each other really well." And I might have manifested this a while ago because I've been saying for a little while prior to the merger. Hey, I really want to control that point of sale. So having the ability to to estimate, do price presentation, contract, it just naturally fed into our financing platform. Um, so we met uh January of of last year, you know, the three-way fell apart and then they they're like, "Hey, we really like you guys. I really want to do this." And I had some reservations. And then we met with them.

Valuations worked out really well. and and my old business partner is an M&A attorney. So, we did diligence in like six weeks and or like I think it was like five weeks. So, we closed that deal in five, you know, five six weeks. So, it was really really fast and there was a lot of excitement with the merger. So, it started off great and then we ran into some culture things just like you do when you're merging two businesses together. Uh, and it was it was growing in really it was growing in the wrong direction. So, you know, I I pinged my team. I'm like, "Guys, we need to like meet offsite as a leadership team. We need to align ourselves as it even lets us look at 6 months down the road." And I want every leader of every department to figure out what their rock they're chasing for the next six months, rocker rocks. And we did that and we aligned as a leadership team and then they went back and got their team on what we're

doing as a as a company and then we held a meeting um everybody and it was it was awesome. We've never been aligned as we ever have been.

That's great. It is tough. It's very tough when you're combining two pretty big companies.

Um, so you've been in the you've been in the space over two decades. What's what personal philosophy has guided you through the ups and downs?

That's a really good question. You know, I I've been a I really I've always been really hard on myself for one, right? And so keeping myself living to a certain standard that I want to I want to be at, right? As far as whether it's, you know, personally, professionally, you know, the money I want to make. Um, so living up to that or setting those goals and living by them. That's always been number one. Um, I've all always been really good at uh when things don't go my way is looking at the step stepping back and looking at the situation and you know whether it's it's a me thing or somebody else thing and just looking at it from every point of view so that way I can make a the right decision versus just making a quick decision that could cost me greater down the line, you know? So that's been the Yeah, that's been massive. And I mean, don't get me wrong, that took me a while to get to that point, right? So,

I love it. It's funny when I look at our business, it's getting it's getting to a larger size and there's money in every there's more money to be found because a fraction of a percent here and there is a big outcome. It's cuz we deal with so many clients. Uh, and there's so many things we could do. It's just ruthlessly prioritizing the initiatives and really make sure you hit the finish line and and be relentless to like the focus. Uh, if you think about your legacy, what do you want One and Fund to represent in the home improvement world?

I want to be for One and Fund, you know, I wanted to be known as the the disruptor, not so much as like this is what we did for the industry, but I want to be the disruptor for the lenders, right? cuz you know like I mentioned earlier those lenders have had so much power in this space and they've dictated how to how you run your business to like you have to do it like this. Um so I want to be known as a company that made that playing field even you know lean more towards a contractor but then also be the first person to to build something that that actually works in this space and not have it be a janky system.

Have you I don't know if it's even fiduciary the the responsibility if you could do this but have you ever thought about running a client you know maybe at a 590 like give them a free credit repair type and just say look in 6 months we'll be a I don't know if that's legal. I know it's not legal for the finance company to offer that but what if you were able to get them up to a 650 work like like you say listen we've got this program it's super affordable. We're going to split the cost with you as long as you sign when you hit this level that we'll go ahead with the you know, we're going to help you get this and it's going to make your credit better.

Yeah, it's I've I've been wanting to do that even go back to my Tundrilland days. Um and I've I've explored it more than I probably should have. So we we are developing a program we have for a while um to have that and we can do that especially since we we get that data. Um, so you know the the whole goal behind that is is you want to make sure that you know keep that customer in your database, keep the you know the touch point the you know the email blast, make sure you keep them engaged and then whatever it costs that customer whether it's you know $500, $600, you can even give that as a discount to their their project if once they build their credit up and then get approved. So it's a great idea. um where it the challenge with that is what I found cuz I' I've tested out with a couple different companies is those programs are going to they cost that consumer money right so typically the people that

need that they don't have an extra 40 50 bucks you know so I think finding that sweet spot of something that's affordable for them and are they going to actually you know because there's two ways to do it as far as the the credit repair. It's like a DIY where you're going to give them, okay, you need to send this letter, send this letter, send this letter out to get that removed from your credit. So, you need to rely on them to actually do it. Or if you're going to if you're going to have somebody do that for them, it's going to cost them even more money to to to do it.

If you could get it to where they can get to a 650 plus, you could if the credit repair company was willing to take the payment later. I don't know if they're Yeah, that's it's something I've thought a lot about. I thought a lot about it more from my technician and CSR dispatch, you know, the A1 crew. Uh because I want them to have great credit. So, I think about things of how to make their lives better. Doesn't mean I want them to go out and get a bunch of Harley-Davidsons and and new boats, but you know, great credit is something that uh everybody should be serious about getting.

Yeah, I totally agree. I mean, it makes it makes your life easier if you have great credit. You know, the other complexity with that is how how is that sales rep bring it up if it's at the point of sale or how is your CSR team talking about it with the consumer? You know, it's it's it can be an uncomfortable conversation, right? Be like, oh, you have terrible credit, but hey, I have this great I mean, there's easy ways to word smmith that, but it's there is a fine line how to actually have that conversation.

Yeah, it's something I want to look into more. I want to talk to you offline about that. Um, what's one piece of advice you would give to a young entrepreneur who is just starting out in the home service, home improvement space?

Yeah, I I think the uh it's okay to fail. I think that's a I think a lot of people when they start something, they think it has to be perfect and everything has to go right and it's not. It's never going to be perfect. It never will be perfect. You know, it's, you know, are you going to learn from those mistakes to make you a better entrepreneur? That would be number one. The other thing is not every idea is a good idea. I think we've all learned that the hard way.

You know, I I played this video at Garage Door Freedom of Jeff Basos. He said, "In the early days of Amazon, I hired uh some really smart people." And he goes, "One of my chief of staff, the guy that we were working with was actually like one of the best consultants I had ever worked with. And I got very fortunate to be able to bring these people on in the early days." and he said 30 minutes and Jeff Basos said 30 minutes with me in front of a whiteboard uh I could put down 150 ideas and the gentleman the chief of staff told Jeff Basos you could single-handedly destroy this company in a matter of 30 minutes in front of a whiteboard. He goes, "So here's the deal, Jeff.

The company is not at the size to be able to handle your ideas. So you need to keep those to yourself and prioritize them and release them as the company grows and we've got the staff to accomplish those. So he said keep the ideas to yourself time release them as you see the importance but you're prioritizing them and your goal should be to build a company eventually that could handle all of your ideas. And he said without that advice early on I would have because there's a million things they were trying to do but they needed to build the company to be able to handle that many projects and get them to the finish line. They tried to get into the home service space twice.

Amazon both times they failed. I beta tested both of them and they thought they had it all figured out. They thought it was just going to commoditize. But all labor isn't created equal. I mean, when you show up with a new truck with the right tools with the guys that are really trained at background check, the the problem is these software guys think they could they think they could commoditize the home service space. And maybe one day somebody will figure it out, but there's still too much human interaction involved.

Yeah, it's it's funny you say that. I mean, I I've been toying with how to create that online experience, right? And, you know, part of what I'm super excited about with our merger with OneClick is to have those tools be able to create the estimates very easily, right? Um, you know, I'm thinking of the the generations that are coming up that don't own those houses yet. I mean, they grew up with a phone in their face or a TV, you know, like all this different technology. They don't want to have three companies out and pitch them for nine hours to move forward with this project, right? They want to have a fill out a form, know what they want, pick their product, maybe pick between a list of contractors and just be like, I want that one. They have good reviews, signed contract, here I go. Have the funding all all right there. I So I I think it's going to get there at some point. Um I think we're still fiveish

years out, maybe even 10 years out. I know a lot of people are trying to chase that me included. So

I was going to ask you what the changes that you are predicting over the next three to five years in the space that's one of them obviously.

Yeah, that's definitely one of them. You know, I think the consolidation for sure, right? And that's on both sides of it. whether you're I think there's going to be some large groups just like Renovo unfortunately that you know I don't think they're alone and you know friends with a lot of people who have worked for those companies and you know they were you refinance away from going out of business themselves right so I I think you know so opportunity is probably the best way to put that so if you are a a newer smaller company get your systems right get your get them tight I mean there's going to be massive opportunity in front of all these companies and you know if you're not If you don't have the systems in play, you're going to stay where you are and maybe even go out of business.

I I want to jump back to one more thing. So, you said you like TV. You like getting ingrained in the events, especially local events where there's probably not a lot of competition. Could be even a high school football game. What other things in marketing do you feel like isn't something that people are thinking about?

Uh, here's a good one. if you uh become friends with a portaotti portaotti company because if you see a bunch of portaotties being rented and brought somewhere that means there's going to be a lot of people there. So that's a way to think outside the box and be like okay maybe there's a festival I don't know about or maybe there's an event that I haven't heard about but if you see where those porter potties are going you know there's going to be people there.

Oh I love that. It's like uh that's really smart. Actually, I was in the uh we went to a sports bar to watch. It was game six at the uh the baseball tur, you know, the the World Series and I went to the bathroom and they had these things where there was advertising, you know, the the monitors

and I'm like, I wonder how these do. I mean, you know, you're taking a whiz and you're looking at it. It's not I never called anybody from that, but it's great for impressions. I I you know I guess it's the omni approach of being everywhere. I thought you know what I thought about at the sports bar at Topgolf is like that might be better to have an ad for recruiting, but it's also an impression for the company.

Yeah, definitely. I just told my COO the number one thing I'm focused on is talent. I said, "A great technician, a great installer. They show up on time. They got a smile. They recruit for you. They do self-promotions. They're posting on social media. They they definitely have their KPIs dialed in. They don't turn over. You know, hopefully they're they're they plan on being here a long time. And if we did better, I was at NASCAR yesterday and, you know, there was a military recruit. It was a lot of military people there. And I'm like, we should hire a military recruiter. like somebody that knows how to find winners and they they've they've done it so long they could identify the people that are going to be here for a long time. They know the questions to ask and if they're actually going to follow through.

But that's where I think Go ahead, Jose. And they know how to follow a process, which is important.

Yeah. I mean, we got this new recruiter, her name is Sophie, and she has just changed the the output of the talent we're getting. And she's using AI and AB testing, and she hired three recruiters. And I think that's probably the most important thing if you're going to grow a business is finding winners, taking great people and making them phenomenal.

Yeah, definitely. I I used to think I used to think, hey, I could take an average guy and make him great.

And then I'm like, that takes a long time. So, is there any books that really changed the way you look at business over the years? I mean, you said you you read Rodney Webs. You mentioned a gal. Uh Ren, what is it? Renee uh

Renee Brown. Renee Brown. Is there any books that you're like, "This is a must readad if you're going to be successful other than the E-Myth

and like No, 100%. You know, I think there's two books that really changed the the way I've done business. Uh the first one is The Goggiver. Uh it's one of my favorite books." Yeah. Uh, I think I I think I read that once a year just to like refresh my brain, right? Um, you know, and I think the other one is Art of War. I have I I do the same with that one, you know, just I think I pick up something every time I reread the Art of War. So,

that's great. Two great books. I think, you know, the Art of War just explains patience and just being able to weather the storm and

how to infiltrate kind of your competition and how to outlast. I There's a lot of lessons in that book. Uh

yeah, I think my favorite quote from that or is it like in the midst of chaos there's there's always opportunity, right? So because there's always chaos. So it's I think I have that on my screen saver on my computer. So

I love it. If somebody wants to reach out to you um Justin, what's the best way to do that?

Uh I think the easiest way would be our website. So oneclickcontractor.com and it's this o ne. So oneclickcontractor.com

who is uh the best go ahead keep where else I say if I'm then I'm personally on Facebook or LinkedIn feel free to message me there. So

okay and then is there anybody that like stands out that you've worked with just like worldrenown? I mean obviously Brian got I think is one of a kind. He is just you know he's the hammer. Um, but is there any other, you know, operators, founders that you're just obsessed with like as far as the way they lead?

Uh, I I think I mean I'm very blessed and fortunate to work with a lot of them. Um, you know, I'm going to say Michael Hoy has been, you know, a good friend and a mentor of mine, too, with uh the CEO of Great Day Improvements. Uh, so watching him grow basically from a bankrupt company in 2014 to a 1.6 six billion or 1.8 billion dollar company today. Um, and how he's navigated buying all these businesses to and merging them under one platform. I'd say he's been a I I've loved hearing his story and just being a friend and a mentor to me.

That's fantastic. We talked about a lot so many things and I love the emphasis on marketing and finance. Maybe we didn't talk about something. I'm going to let you close us out and uh just whatever you feel like the audience needs to hear. Yeah, I appreciate that. Um, it goes back to, you know, kind of something I mentioned is, you know, have a process. You know, be open to to listening to change. You know, sometimes change can be scary in your business. Um, but but change can also be really good for your business.

And, you know, if you're not financing 40 to 50% of your projects, that's fine. There's there's processes out there we can help you out with to do that to your business because you're going to see higher tickets, better close ratios, and it's going to make you more profitable as a business, which will lead to employee retention. It's going to lead to more marketing, more customers. It's it's a really great cycle to be on. So, implement in your business today. That's what I'd say.

I love it. Justin, thank you so much for taking the time today. I appreciate it, man. Thanks for having me, Tommy. The great work.

Questions about this episode

Who speaks in "Sales Success: Unlocking Potential Through Financing with Justin Hatcher"?

Tommy (Host), Justin Hatcher (Guest).

What is "Sales Success: Unlocking Potential Through Financing with Justin Hatcher" about?

In this discussion with Justin Hatcher, president of One and Fund, he shares insights on how innovative financing solutions can empower home improvement contractors to close larger projects and scale their businesses. With over two decades in sales and consumer financing, Hatcher emphasizes the importance of strategic financial programs in driving significant growth within the industry.

What is mentioned in this Home Service Expert episode?

13 people, works and ideas are mentioned, including One and Fund, Amazon, Renewal by Andersen, Leaf Fitter, OneClick, Justin Hatcher. Each one on this page links to its own page with every episode that mentions it.

How long is "Sales Success: Unlocking Potential Through Financing with Justin Hatcher"?

The episode runs 52 min; the transcript is about 10,369 words in 110 timestamped sections.

More from Home Service Expert

About this transcript: the episode's spoken words as captioned on YouTube, split into timestamped sections. Reclip.Me locates every person, work and idea in the text, keeps the time it is first named, and quotes the words around it verbatim. Last updated January 24, 2026.