How to Get More Clients Using Pay-at-Close

For many staging professionals, one of the biggest challenges isn’t delivering incredible transformations—it’s helping clients overcome the objection of upfront cost. Even when homeowners and agents know staging helps homes sell faster and for more money, the financial logistics can slow things down or derail the decision entirely.

That’s exactly why Notable’s Pay-at-Close program has become such a game-changer in the staging industry.

This simple option can eliminate barriers, increase trust, and move projects forward quickly. And here’s the surprising part: data shows that luxury clients—who could easily pay upfront—are actually the ones using Pay-at-Close most often.

Below is your complete guide to positioning, explaining, and using Pay-at-Close to land more staging jobs (especially luxury ones!).

Why Stagers Love Pay-At-Close: Close More Jobs With Zero Pushback

For stagers, Pay-at-Close is a powerful conversion tool because it removes the one objection you hear most:

👉 “I’d love to do staging… but I don’t want to spend the money.”

With Pay-at-Close, that objection disappears. Sellers no longer have to come out of pocket. Agents don’t have to ask their clients to front the cost. And you can present your services confidently, knowing you’re providing a premium, flexible option that elevates your value—not discounts it.

Pay-at-Close:

• Makes the selling conversation easier and more professional
• Aligns with a luxury mindset (your work is high-value, and valuable things cost money)
• Helps you position your business as full-service and client-focused

Why Real Estate Agents Love Pay-At-Close: Makes Them Look Good

Agents want to take charge of their listing, increase perceived value, and secure the fastest, best sale possible. But many hesitate to recommend staging because they don’t want to ask sellers to spend money upfront.

Pay-at-Close solves this tension.

It allows agents to confidently propose staging—without putting financial strain on the homeowner.

Agents love that:

• They can get homes market-ready immediately
• Their listings look better, show better, and photograph better
• They don’t have to ask clients to pay out of pocket
• Staged homes statistically sell faster and for higher prices
• They maintain control and momentum in the listing process

Why Sellers Love Pay-at-Close (Especially in the Luxury Market!): Preserving Cash Flow

Today’s sellers care about one thing: preserving cash.

Luxury sellers, especially, are asset-rich but cash-strategic—they don’t want to liquidate investments, move funds, or pay out of pocket before the sale.

Pay-at-Close works because it:

• Preserves cash flow
• Allows improvements that increase the home’s value
• Makes staging (and prep work) feel less stressful and more accessible
• Creates a simple, low-risk path to presenting their home at its best
• With this option, sellers can invest in their sale using the home’s own equity rather than their wallet.

What Sellers Can Use Pay-at-Close For

One of the biggest advantages of Pay-at-Close is its flexibility. Sellers can use their approved funds for any improvement that helps the home show better and sell faster, not just staging.

Common uses include:

• Staging services (furniture, delivery, installation)
• Cosmetic updates like paint, lighting, flooring, or hardware
• Repairs and handyman touch-ups
• Pre-list prep such as cleaning, decluttering, or junk removal
• Landscaping and curb appeal improvements
• Photography and listing marketing

Bottom line: Pay-at-Close lets sellers invest confidently in the updates that matter—without paying upfront.

How to Talk About Pay-At-Close with Clients

This is where the magic happens. The success of Pay-at-Close depends on how you present it.

Below is the proven sales script designed specifically for staging professionals:

“We offer the option for you to defer the costs until the closing. Starting at under 1% per month, with nothing upfront, you can cover all the staging costs. Let’s see what you can qualify for using the link in the proposal.”

If they need more context:

“We offer a pay-at-close option to all our clients. It’s really helpful for homeowners who don’t want to pay out of pocket—and it doesn’t impact their credit score. The cost is only about 1% interest per month.There’s no obligation to use it, so we recommend applying just so you have all options on the table. The goal is to make sure your home presents its very best and sells quickly. Pay-at-close is a great way to do that using the home’s equity.”

Why This Script Works 

The language is intentional and crafted for conversions:

✔ Don’t use words like loan, financing, or line of credit 

These create friction and trigger unnecessary questions. Instead, say:

• “Option to defer the cost”
• “Pay at close”

✔ Focus on the outcome, not the mechanism

The outcome = No upfront cost.

That’s all the client cares about.

✔ Make the cost feel small and clear

“About 1% per month… that’s around $30 for every $3,000.

If we sell in two months, it’s about $60.”

✔ Use the word “qualify”

This sets expectations and reinforces that it’s non-committal.

✔ Speak with confidence

Clients rarely question a confident expert.

You have a premium service. They want the best.

How Notable Makes Pay-at-Close Simple, Professional, and Fast

Notable is the industry-leading provider of Pay-at-Close for staging services—and the one we use in our own home staging business.

How It Works

• Clients qualify in 2 minutes; no hard credit check or obligation
• Clients pay back out of the closing, average is 1% per month of the funds used
• Clients use up to $75,000 available for staging and home prep

Start Offering Pay-at-Close and Grow Your Staging Business

Pay-at-Close is more than a payment option—it’s a growth strategy. It removes friction from your sales process, empowers agents to say yes faster, and gives sellers a low-risk way to invest in presenting their home at its absolute best.

If you want to increase bookings, close more proposals, and elevate your client experience…

Partner with Notable and start using it in your staging business today!