Pay at Close: Get Paid Upfront, Even When Buyers Pay Later

You know the moment, whether you're the inspector or the realtor. A buyer hears the inspection fee and pauses. You both know the inspection matters. But if the buyer doesn't have the cash upfront, it gets skipped, the inspector loses the job, and the realtor loses the buyer's trust.

That's why we built Pay at Close for eligible inspection companies. Buyers get to defer their inspection payment to closing. You still get paid in 1-2 business days after you publish your report. Guaranteed.

How It Works

The buyer selects Pay at Close at booking (you control whether there's a minimum job size to qualify, or set a customizable fee, up to $100).

1. They sign an agreement with Spectora and provide a backup card.
2. You publish your report as usual.

Spectora pays you in 1-2 business days and collects from the buyer at closing.

That's it. No invoices to chase, no awkward payment conversations, no collections risk to you if the deal falls through, Spectora handles the fee collection.

Why It Matters

Client flexibility, inspector certainty. Buyers pay later. You still get paid after publishing.

A real competitive advantage. Pay-at-close options are becoming the norm in a lot of markets. Offering one puts you ahead of inspectors who don't.

Guaranteed, risk-free payouts. Spectora handles collections risk. You just publish and get paid.

It's Already Working

Inspectors offering Pay at Close aren't just booking more jobs, they're seeing bigger ones.

Here's what that looks like from two sides of the transaction:

"This was my first home-buying experience, so I didn't know how much I needed. I wasn't aware that things like the appraisal and inspection had to be paid up front. Being able to pay at close and save that cash on hand was incredibly valuable." — Stephen W., homebuyer

"It's a real big selling point, not only for us, but also for our Realtors. Our Realtors like it a lot, especially the good Realtors that want their clients to get home inspections, but maybe they just don't have the funds. We get a lot of push from Realtors saying, 'these people offer you pay at close and you should use them.'" — Samantha, Office Manager, Show Me Missouri Home Inspections

Hear from Ditanyan Sye, DS Home Inspection Services, on why Pay at Close helps him ensure his inspection price never gets in the way of a client getting the inspections they need. 

Enable Pay at Close →

Questions about how it works? Check out the setup guide, or reply and we'll walk you through it.