I also thought a link would be provided within the body of the email for the estimate or within the estimate itself.  I did a test run and it appears that by entering your customer's email in the space of the "Learn more about financing options," the customer then gets a separate email from you with a place to go to for finance options, but the customer must input the amount they are looking to finance.  There is no link specifically to the estimate.  Seems less than desirable.