---
title: How Pay at Close works for Staging Businesses
description: Pay at close for staging businesses
---

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# How Pay at Close works for Staging Businesses

Pay at Close lets your clients pay for staging when the home sells, while you get paid in full right away. Titus pays you upfront, then collects from your client at closing. You don't chase payments, and your client doesn't have to come up with cash before the listing goes live.

This article walks through what happens from the moment a client applies to the day the home closes.

### **How your clients apply**

Both homeowners and listing agents can apply for Pay at Close. The application takes about two minutes, and most people get an answer instantly.

**Two ways to send clients to Pay at Close:**

- **Through a Titus invoice.** When you send an invoice from Titus, your client sees **Pay at close** as a payment option at checkout. They select it and start the application from there.
- **With your payment link.** Click **Get paid** in the top right corner of your Titus dashboard and choose **Copy pay link**. Paste it into an invoice from another system, an email, or a text to your clients. Your clients will need to enter a dollar amount and phone number to start, so make sure they have your invoice total before applying.
  
  ![Screenshot 2026-10-20 at 3.56.19 PM](https://knowledge.gotitus.com/hs-fs/hubfs/Screenshot%202026-10-20%20at%203.56.19%20PM.png?width=350&height=373&name=Screenshot%202026-10-20%20at%203.56.19%20PM.png)

Tip: If you want clients to see their cost before they commit, use **Copy estimate link** from the same menu and add it to your proposals.

### **What your client does**

1. Enters their phone number to get started.
2. Fills out a short application (about 2 minutes).
3. Agrees to a soft credit check. This doesn't affect their credit score; it's only used to set their fee.
4. Gets a decision, usually right away.

### **How much clients can get, and what it costs**

Approval amounts depend on who's applying:

| Who applies | Approved for up to | Based on |
| --- | --- | --- |
| Homeowner | $20,000 | Home equity and credit |
| Listing agent | 1.5% of the list price | The listing |

Maximum loan amounts by credit tier can be found [here](https://knowledge.gotitus.com/loan-qualification?hsLang=en).

Clients can use as much or as little of their approval as they need. They can continue to draw from their pay at close account up until the home is under contract with a buyer.

### **Pay at Close Fees**

There are two separate fees, and it helps to know which is whose:

- **Your client's fee:** a one-time flat fee between 0% and 8%, paid through closing, set by their credit score. They see it before they accept.
- **Your fee:** a 3.99% business processing fee, taken out of your payment up front before it reaches your account. You don't need to do anything to pay it.

For example, if your client uses Pay at Close for a $3,000 staging invoice, you receive $2,880.30 ($3,000 minus $119.70).

### **How and when you get paid**

You get paid once your client accepts Titus' loan terms and disburses funds. You don't wait for the home to sell.

- Funds go to your business bank account by direct ACH transfer.
- Money usually arrives within a few hours, and no later than one business day.
- The 3.99% processing fee is already taken out, so what lands in your account is yours to keep.
- You'll get an email when a client signs up and another when funds are sent.

### **How repayment works**

Titus handles all repayment collection. Your client repays Titus when the home sells or at six months, whichever comes first. You're never on the hook for collecting.

1. Titus tracks the home's listing on the MLS.
2. When the home goes into contract (Pending or Contingent), Titus contacts the homeowner and agent for the title company, escrow agent, or closing attorney details.
3. Titus sends an invoice to be paid through closing.
4. You can check the status anytime in the **Projects** section of your Titus dashboard.

### **Extensions and renewals**

If a listing runs long and you need to bill for a furniture extension or renewal, your client doesn't need to apply again. They can send additional funds in one of the following ways:

- **If you are using Titus invoices.** Send an invoice for the renewal. The client clicks Pay at Close again in the checkout screen. When they enter their phone #, it will recognize they are already approved and draw from their existing Titus account.
- **If you are using another invoice tool**. Send your renewal invoice along with your Titus payment link. When they enter their phone #, it will recognize they are already approved and draw from their existing Titus account.
- **Direct from their Titus account.** Your client can log into their Titus account and send you the additional funds.

They can keep using their Titus funds up until the home goes into contract.

### **Common questions**

**Do I have to wait for the home to sell to get paid?**  
No. You're paid upfront, usually within a few hours of your client paying.

**What happens if the home doesn't sell?**  
If the home hasn't sold in six months, the client can either repay in full or opt into a repayment plan. You keep your payment either way, and Titus handles the collection.

**Will applying hurt my client's credit?**  
No. Titus uses a soft credit check, which doesn't affect their credit score.

**Can the listing agent pay instead of the homeowner?**  
Yes. Listing agents can apply too, and are approved for up to 1.5% of the list price.

**Do I need to use Titus invoices?**  
No. You can paste your Titus pay link into any invoice or message.

**How do I know where things stand?**  
You'll get emails when a client signs up and when funds are sent. For repayment status, check **Projects** on your Titus dashboard.

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