Overview
Cool Finance is Fujitsu General’s in-house finance program for Specialist Fujitsu Authorised Partners. It enables you to offer consumers interest-free payment plans as part of an air-conditioning sale, with standard terms of 6, 12, 24, or 36 months (subject to the facility you select and any current promotions).
Who it’s for
Accredited Fujitsu Authorised Partners wishing to present financed purchase options at point of sale.
Residential customers purchasing Fujitsu systems (split, multi, ducted), subject to lender approval and minimum financed amounts.
Customer journey (how a consumer applies)
You provide a quotation and the customer elects to use finance.
The customer submits a simple online application and typically receives rapid pre-approval.
The customer completes e-signature of the lender documents.
You’re notified and can finalise the sale, schedule installation, and proceed to settlement.
Dealer settlement process (after installation)
Log in to the finance portal, select the term, and enter the invoice amount against the customer account.
The customer receives an e-signature prompt to accept the purchase.
After acceptance, send a signed tax invoice to settlements.
Funds are processed and remitted by the lender (typically next business day).
Facility fees and minimum financed amounts
Facility (merchant) fees apply to interest-free contracts and vary by term. Each facility also has a minimum financed amount. Typical structure:
6 months: 0% fee; minimum financed amount applies.
12 months: percentage fee; minimum financed amount applies.
24 months: higher percentage fee; higher minimum financed amount.
36 months: highest percentage fee; higher minimum financed amount.
(Your dealership chooses which facilities to enable; ensure staff understand the fee and minimum for each term.)
Marketing and point-of-sale enablement
Approved creative templates (print sizes such as A4/half-A4/strip) with fixed legal copy; partner details can be inserted.
In-store POS such as DL cards and posters highlighting interest-free availability and longer-term options.
TV/radio/press disclaimers: standard wording is available to ensure compliance with credit advertising requirements.
Advertising compliance
All finance advertising must be submitted for approval before publishing to ensure it meets legal and lender requirements.
Disclaimers must accurately state applicable minimum finance amounts, fees/charges, and the credit provider details.
Practical guidance for partners
Positioning: Present Cool Finance as a fast, low-friction way for customers to move ahead with a Fujitsu installation.
Offer design: Match term options to customer needs and ensure the deal value meets the minimum financed amount for the chosen facility.
Sales process discipline: Keep a simple checklist—quote, application, pre-approval, e-sign, installation, settlement submission.
Cash-flow hygiene: Submit the signed tax invoice immediately after purchase acceptance to optimise settlement timing.
Compliance first: Use only approved creatives and disclaimer language; obtain pre-approval for any advertising executions.
FAQs for your team (internal use)
Q: Can we use finance on accessories or non-Fujitsu items?
A: Finance is designed primarily for Fujitsu equipment; confirm scope with your BDM or the lender’s rules before bundling other items.
Q: Who pays the facility fee?
A: The merchant fee is borne by the dealer and should be factored into pricing. Promotional programs may alter the effective cost—check current guidance.
Q: What happens if the customer changes scope post-approval?
A: Adjust the invoice amount within the portal prior to settlement; if the change breaches minimums or facility settings, re-select the term or re-quote.
Q: How do we handle declined applications?
A: Offer an alternative term, reduce scope to meet affordability, or proceed with standard payment terms.
Bottom line: Cool Finance gives you a compliant, customer-friendly financing pathway with rapid pre-approval and straightforward settlement, helping close sales while protecting cash flow.