Customer financing for estimates of $2000 and over are not showing any option on the customer facing estimate.

To give your customers the financing option, you'll need to send them the offer first, Chris. Let me explain how this works.

To begin with, please know that your customer cannot directly view the financing option in the estimate you've sent. Instead, you must share the financing offer with them separately.

Before sharing the offer, ensure the Financing feature is turned on:

1. Go to the Gear icon, select Account and Settings, and choose Sales.
2. In the Financing section, select Edit.
3. Turn on the Enable Financing offers switch.
4. Select Save, then select Done.

Once the feature is enabled, follow these steps to share the offer:

1. Hover to the Gear icon, choose Account and Settings, then select Sales.
2. In the Financing section, click the Learn how companies grow with customer financing link.
3. You'll be routed to another page. From there, enter your customer's email to share offers, and click the Send button to proceed.
4. Follow the onscreen steps.

To learn more about this new feature, please refer to this article: Understand QuickBooks Online customer financing options.

If your customer has a loan from you, you can check out this article to learn how to track it: Track customer loans in QuickBooks Online.

Moreover, I’m excited to introduce the QuickBooks Live Expert Assisted team of experienced professionals ready to help you manage your finances and provide support tailored to your business needs.

If you have any follow-up questions about enabling the Financing feature or need further clarification, don’t hesitate to share them below. I’ll ensure to respond promptly and guide you through the process step by step. Let me know how I can assist you further.

I spoke with three QBO reps today over several hours working on this. None of them knew any of this! I knew more about it than all three. Two of them asked me if I was receiving payments from clients and to share "my goal." The last rep used a test account and got the same results that I was seeing.

Understand QuickBooks Online customer financing options.

The instructional article at the link above says nothing about the link under the customer financing setting in Account and Settings. The link text doesn't indicate that it's part of the workflow at all. It says "learn how companies grow with customer financing" in small font type. How is that considered functional step in a workflow?

Have you read through the article?

I tried inserting a photo here, but the upload window stalled on a 180KB PNG. I was able to attach the screenshot to this reply, however. 

The article states:

"When customer financing options are enabled for your company, when you send an estimate of more than $2,000 your customer will see a financing option powered by Intuit Credit Karma. See below for the customer experience."

Again, nothing about following a link that states: "Learn how companies grow with customer financing" within Account and Settings.

This workflow seems oddly half-baked and suspect.

I have to send my customer an estimate. The estimate shows that it's eligible for financing at the slider (with the "manage" window open). The customer sees nothing on that emailed estimate, but I input the customer's email into a splash screen to send an offer for financing? Is that linked to the estimate in some way? Is this the workflow for every instance of customer financing? It's horrible if it is.

The UX is completely dark after entering the customer's email in the share offers box. As business owner, I have to know what I am sending to my customers. I need to follow the path and see what they will see.

Have y'all seen how this is done on modern ecomm sites. There are too many examples to count at this point, but each have a very easy setup process and the financing link is on the payment page.