How to Overcome the "I Don't Have the Money" Objection and Close More Deals

One of the most common objections coaches face when selling high-ticket programs is, "I don't have the money." This objection can stall your business growth and prevent you from helping people who genuinely need your expertise. But what if you could remove this barrier while still getting paid upfront?

In this guide, we’ll explore a game-changing strategy: offering financing options like Affirm to break down payment hurdles, making it easier for clients to enroll in your coaching program while ensuring you receive your full payment without delay.

Why "I Can't Afford It" Is a Sales Killer

Many potential clients genuinely want to invest in themselves but struggle with upfront costs. If your only payment option is full payment upfront, you are unintentionally limiting your ability to close deals.

For example, if your coaching program is priced at $5,000, a client may hesitate to commit due to financial concerns. However, if you offer flexible financing options, the same client could enroll for as little as $173 per month, making it far easier for them to say yes.

How Affirm Can Help You Close More Deals

Affirm is a buy now, pay later (BNPL) service that allows your clients to split payments into manageable monthly installments, while you receive your full payment upfront.

Key Benefits of Using Affirm:

• Lower barrier to entry – Clients can enroll with little to no money down.

• More conversions – People who were previously hesitant can now afford your services.

• Immediate payouts – You receive 94% of the total payment upfront, even if the client pays in installments.

• Flexible plans – Clients can choose from 6, 12, or even 36-month payment plans.

For example, a $5,000 coaching program can be broken into:

• 6-month plan: $833/month (interest-free)

• 12-month plan: $416/month

• 36-month plan: $173/month

With this setup, price becomes less of an obstacle, and more prospects can commit to working with you.

How to Integrate Affirm with Your Checkout Process

Setting up Affirm on your checkout page is straightforward. If you already use Stripe as your payment processor, you can activate Affirm in a few steps:

1. Log in to Stripe and navigate to Settings in the top-right corner.

2. Click on Payments and select Payment Methods at the top.

3. Scroll down to Buy Now, Pay Later (BNPL) and activate Affirm.

Once enabled, clients checking out will see Affirm as an option, allowing them to apply for financing within minutes.

Addressing Common Questions About Affirm

1. What if a client doesn’t qualify for Affirm?
Some clients may not be eligible due to credit history or other factors. In this case, you can offer other financing solutions like PayPal Credit or in-house payment plans.

2. What fees are involved?
Affirm charges an additional 3% transaction fee on top of Stripe’s standard processing fee. For example, if your Stripe fee is 3%, you will pay a total of 6% in fees when using Affirm. However, receiving 94% of your program price upfront still makes this a valuable option.

3. What if I don’t see Affirm in Stripe?
Your business category (MCC code) may not be eligible for Affirm. If this happens, reach out to Stripe support or adjust your MCC code to match approved industries.

Why You Should Implement Affirm Today

If you're tired of losing deals to the "I can't afford it" objection, adding Affirm to your sales process is a no-brainer. It allows more clients to enroll, removes financial barriers, and ensures you get paid upfront.

By integrating Affirm, you’ll close more deals, increase revenue, and make your coaching services accessible to a wider audience.

Ready to scale your coaching business without financial objections holding you back? Activate Affirm today and start closing more deals!

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