Do you offer payment plans for larger projects?

Yes. We can split a project into a 25% deposit at kickoff and equal monthly installments structured to fit the build. There is no interest and no financing fee — the total you pay is the same fixed quote. We are happy to discuss payment plans on any project where spreading the spend helps.

How does the deposit and monthly schedule work?

Your card is authorized once at kickoff. The 25% deposit runs that day, and the remaining balance is divided into equal monthly charges that run automatically on the same day each month. You receive an emailed receipt for every charge.

Is there interest or a finance fee?

No. We charge zero interest and zero financing fees. The total you pay across the deposit and monthly installments equals the fixed project quote — splitting it into payments costs you nothing extra.

Who qualifies for a payment plan?

Approval is at our discretion on a per-project basis. There is no credit application or hard credit pull. We look at the project scope, the relationship, and our usual signals — not a credit score. If a plan is the right fit, we will offer it during scoping.

What if I want to pay off the balance early?

You can pay off the remaining balance at any time with no penalty. Just let us know and we will close out the plan.

Financing & Payment Plans | Harold Ragan CodeWorks

How It Works

Same fixed-price quote, same project, same delivery date. The only thing that changes is how you pay.

1. Scope & Quote

We scope the project on a free call and send you a fixed-price quote — same as any other engagement. If spreading the payments would help you greenlight the project, mention it during scoping and we'll structure a plan. Nothing changes about how the work itself is planned or delivered.

2. Deposit & Card on File

You authorize a card once through a secure Stripe link in your email. We charge a 25% deposit that day to lock the kickoff date. Your card stays on file for the monthly installments — we never see the card number, and you can update it any time.

3. Monthly Installments

The remaining 75% is split into equal monthly installments structured around your build window — a couple of months for smaller projects, longer for bigger ones. Each charge runs automatically on the same day each month, and you receive an emailed receipt every time. The plan ends when the last installment runs — no renewal, no surprises.

Terms at a Glance

Project Size

No minimum. If spreading the payments would help you greenlight the project, just ask during scoping — we'll work with you regardless of size.

Term Length

Flexible. Most plans run a few months — we structure the schedule to fit the build window and your cash flow. Longer terms are available on larger projects when it makes sense.

Deposit

25%. Charged the day you authorize your card. The deposit secures your spot on the build calendar and covers the discovery and architecture work that happens before code starts.

Interest & Fees

0%. None. No financing fee, no service charge, no interest. The total you pay across the plan equals the fixed quote you signed off on. Period.

Approval

Operator discretion. No credit application, no hard credit pull, no third-party lender. We make the call based on the scope and the relationship.

Pay Off Early

Anytime, no penalty. Tell us and we'll close out the remaining balance in one final charge — no extra fees for paying ahead of schedule.

Why We Offer This

Custom software and web platforms aren't impulse buys. The right project for your business might be $8,000 or $40,000 — meaningful spend that gets harder to greenlight when it has to come out of one month's cash flow. We've watched too many good projects stall not because the value wasn't there, but because the timing of the payment didn't fit the budget cycle.

Spreading the cost over the build window lets you start sooner, and it lets us run a healthier book of work without taking on outside lenders or charging extra for the privilege. The deposit covers our labor risk; the monthly installments turn into a steady runway. Both sides win — that's why this is a quiet default offer on every qualifying project, not a special promotion.

Frequently Asked Questions

Do you offer payment plans for larger projects?: Yes. We can split a project into a 25% deposit at kickoff and equal monthly installments structured to fit the build. There is no interest and no financing fee — the total you pay is the same fixed quote. We're happy to discuss payment plans on any project where spreading the spend helps.
How does the deposit and monthly schedule work?: Your card is authorized once at kickoff through a secure Stripe link in your email. The 25% deposit runs that day, and the remaining balance is divided into equal monthly charges that run automatically on the same day each month. You receive an emailed receipt for every charge.
Is there interest or a finance fee?: No. We charge zero interest and zero financing fees. The total you pay across the deposit and monthly installments equals the fixed project quote — splitting it into payments costs you nothing extra.
Who qualifies for a payment plan?: Approval is at our discretion on a per-project basis. There is no credit application or hard credit pull. We look at the project scope, the relationship, and our usual signals — not a credit score. If a plan is the right fit, we will offer it during scoping.
What if I want to pay off the balance early?: You can pay off the remaining balance at any time with no penalty. Just let us know and we will close out the plan in one final charge.
What happens if a charge fails?: Stripe automatically retries failed charges over the following days, and we get notified at the same time you do. If your card has changed, you can update it from any receipt email — the plan resumes the moment a successful charge clears.
Can I skip a month?: If something comes up, talk to us. We can defer a single installment to the end of the schedule on a case-by-case basis — no fee, no penalty. The plan just extends by one month.
Is my card information safe?: Yes. All card details are handled by Stripe directly through their hosted setup form. Your full card number never touches our server, our database, or our staff. We only see the last four digits and the brand — the same thing your bank shows you.

Financing & Payment Plans