Time Investment Review: Should You Partner With Them?

Time Investment Company Inc. is a family-owned financing company and a consumer financing provider that aims to provide financing solutions to their partners’ customers and patients.

The business helps commercial clients by improving the quality of financial options companies provide to customers in various fields such as home improvement, dentistry, and many others.

Time Investment company has been operating since 1981 and has an A+ rating on Better Business Bureau.

Although a local finance company, Time Investment prides itself in a one-on-one approach, quick response, and providing helpful, family-like attention to every partner and partner and customer.

Research shows that 76% of people are more likely to pay for service if they get a financial plan. This means that consumer financing can be a powerful tool for small businesses trying to propel growth. In this review, you will learn about one of the most traditional consumer financing providers in the market.

There are several Time Investment company reviews online, but none takes a deep dive into analyzing the company in full. This review will thoroughly examine the services Time Investment offers, their qualities, advantages, and disadvantages.

Time Investment Company Information

Time Investment company is headquartered at 100 N 6th Avenue West Bend, WI 53095.

Founded by Mike Hafeman in 1981, the company soon grew to serve partners across a variety of industries. Mike Hafeman, who is currently the Chairman & CEO, runs the company along with Tom Hafeman, President, and John Hafeman, Vice President. Besides the leading team, Time Investment employs several other people in their management and sales teams.

Based on their contact page, they offer customer support as follows:

  • Support Hours Mon-Thurs: 8am – 8pm CST
  • Fri: 8am – 3:30pm CST
  • Sat: 9am – 12pm CST

Time Investment Company Services

Time Investment offers consumer finance services to help businesses grow faster.

Not every business can afford a dedicated finance or account team to handle their customer financing, and that’s where companies like Time Investment come in. For example, a home improvement company might use Time Investment services to offer loan options to customers looking to redesign their homes.

Customers’ money resources have a direct impact on any small business’s success. Thus, a successful company usually needs to ensure their customers have a healthy credit score, so the service is paid in full.

The more high-end items or services a business provides, the bigger role customer financing plays. Meaning, if you’re running a luxury business, this can be a good call. But if you’re running a SaaS startup or a home food service, for example, where you serve individual clients, it’s unlikely that someone will need a loan for a family dinner.

Thus, Time Investment focuses on any business that offers pricier services and whose customers or patients are more likely to decide to go with a monthly payment program and loans.

What is Time Investment?

Time Investment offers the following services:

  • Home Improvement Financing
  • Roof Financing
  • HVAC Financing
  • Electrical & Plumbing Financing
  • Flooring Financing
  • Water Services Financing
  • General Dentistry Financing
  • Orthodontist Financing
  • Cosmetic Surgery Financing
  • Lasik Surgery Financing
  • Pool & Spa Financing


This means that a business can use Time Investment as third-party financing. In other words, instead of the business providing the loan, Time Investment acts as a financial bridge between the business and the final customer.

While third-party financing can be a great way to incentivize customers to buy, you need to know that providers such as Time Investment either ask for a flat monthly fee or a percentage fee on each account. If you decide to use third-party financing, it’s smart to assess your ROI after a couple of months of using such services.

Time Investment company Inc. doesn’t seem to have or doesn’t provide loan specifics such as interest rate or a loan amount they provide. Instead, Time Investment provides custom rates. They ask business owners to get in touch for personalized business analysis and proposals.

Another aspect to consider is the financial power of your customers. If a customer’s credit score is low, it’s harder to get a loan. But, TIC provides flexible options for prime (high credit score), non-prime, and no credit score customers.

Time Investment Company Pros

Research estimates that new customers are only 5%-20% likely to make a purchase. Customer financing offered by a third-party finance company can increase the odds since it allows customers to have more buying power and flexible options.

Additionally, you get the money for your services at the time of sale, while TIC deals with the customer in the case of late payments. This works for any direct sales as long as your business fits in the above categories that TIC covers. By flexible options, it also means that Time Investment offers one-time loans and what seem to be solid interest rates for any monthly payment.

The flexible approach is somewhat a double-edged sword. Many companies similar to Time Investment don’t offer flexible finance plans, making it hard for the customer to repay the loan.

On the other hand, TIC’s service focuses on flexibility and making it easy for the client to pay off the loan. This means that interest rates, minimum payments, and repayment terms are negotiable per each account and contract.

You don’t have to worry about time-consuming procedures and account reviews since TIC’s interest is to provide simplicity to ensure they land the account.

Most providers similar to TIC have strict client review rules, and there’s a chance that your customers won’t cut. But with the flexibility Time Investment Company, Inc. provides, you’re increasing your odds.

Finally, what’s helpful for your clients, meaning for you as well, is that clients don’t have to pay out the whole payment at once. Instead, clients pay out a certain deposit and the rest through monthly payouts at solid interest rates.

So if you strike a deal, you’re good. But what if you make contact and get a response you don’t find helpful? Can it harm you in other ways than by taking your time?

Time Investment Company Cons

Since TIC offers flexible programs and has a custom approach for each account it can be difficult to review some specifics such as interest rates, minimum credit score, late payments penalties, etc. For the direct sales customer, that means they need to take the time to speak with TIC’s team to go over their business’s particularities.

Time Investment is a legit finance company and here are some things that can come in handy when you initially get in touch with TIC.

Inform yourself if there are any minimum requirements to use their services, such as customer quantity and balance.

Also, keep in mind that just because you offer finance options to your customer, that doesn’t mean new buyers will pour in. If you have a steady flow of clients, but they second guess their buying after assessing the costs, then customer financing is a great choice.

But if you’re in the middle of figuring out how to bring in new customers, there are better ways to market yourself. Using financing as a marketing option, although a fantastic option, works best when you already have a steady customer inflow.

How Do Time Investment Loans Work?

A good thing about Time Investment Company, Inc. is that they work with clients directly instead of automatizing the whole process. This seems to be in sync with their “family-owned” business motto.

Starting your collaboration with Time Investment is somewhat simple. You contact them and the first step is to pinpoint your needs and create a financial program. You can expect a quick response, even if you have additional questions.

Honestly, it was refreshing to feel as if you’re talking to actual people for once. Most of the time, you either end up talking to a machine or an employee that sounds as if they don’t want to be here. But with TIC, it was a simple chat from the beginning to the end.

The next step is to apply as a commercial business client which you can do via an online account form TIC provides. The process is quick and you can have it done in a matter of a few minutes. Even if you get stuck, TIC has a helpful customer service team, so feel free to get in touch if you need anything.

Finally, you’ll get a training program to learn how to offer loans to your clients at the time of sale. Since landing an account is hard enough, especially if you’re selling pricy services, you don’t want to lose a client showing interest because you lack vital information. 

They also help with tracking applications, so you don’t get lost if you need to review multiple applications simultaneously.

After everything is done and the contract is signed, you’ll have access to everything Time Investment Company offers. Meaning, you’ll be ready to offer financial service and payment options to your clients with TIC having your back.

Time Investment Company Reviews

When searching for Time Investment Company reviews online, I found a healthy balance of satisfied and unsatisfied reviews.

Most reviews praise the rapid service and helpful response about any payments and contract inquiries. One particular review points out the excessive knowledge Time Investment Company team has. It’s also worth pointing out that almost all positive reviews come from small companies and business owners with a long-term relationship with TIC.

One review describes that interest rates and payment timing were different than the original offer. But all negative reviews have a response from the TIC team, including a thorough clarification of where the payment issue stems.

Overall, the majority of business clients are satisfied with the service. For negative comments, it’s difficult to analyze who’s fault exactly is. On one hand, it may be on TIC’s end, but we also need to account for client errors. Clients who are often unhappy with the HVAC business’s service, for example, might unknowingly blame it on TIC although TIC doesn’t offer any other service besides financing.

When it comes to payments or creating a loan contract, oftentimes buyers don’t understand what the contract entails. While they might have their subjective idea of the payment and finance processes, the reality can be different.

A dissatisfied client will leave a bad review no matter if it’s their fault or not. Nevertheless, it’s definitely worth checking out each review before deciding if you want their service.

Ready to Make a Choice?

For small companies looking to offer consumer financing, TIC can be a solid option. Especially since, according to Yahoo Finance, it seems that “buy now, pay later” options are booming since 2020.

It’s your call if you decide to take their services or not, but you should definitely give them a call and analyze the response you get.

Time Investment Company, Inc. is a small, resourceful business that can work better than some of the more mainstream options. The biggest strength lies in the care each account gets to ensure all parties get what they want.

Small companies need to ensure that loans are paid on time and provide clients access to the service. But if you do it right, you can increase your profit in no time. But if you’re starting a business, creating a viral marketing campaign might be more helpful.


Josh Fechter
Josh Fechter is a business strategy consultant and founder. He's written several world-recognized books on software configuration, speaks Spanish, ballroom dances, and owns The Product Company and Squibler.