Offer financing to your customers and close more sales.
Give your customers point-of-sale financing options so they can buy what they want without waiting. You get paid up front; they pay over time to the financing partner.
What customer financing actually is
Customer financing — also known as point-of-sale financing or merchant-offered financing — lets your customers split the cost of a purchase into payments. From your customer's perspective, it's "buy now, pay over time." From your perspective, you receive the full sale amount upfront from the financing partner.
This is the same model behind Affirm, Klarna, Synchrony, and GreenSky — tailored for service businesses, home improvement contractors, medical practices, retailers, and any other business where a customer might balk at a large lump-sum purchase.
Adding customer financing typically lifts average ticket size and reduces cart abandonment. The cost to you (typically a 0–8% merchant fee per transaction) is usually well below the lift in sales volume.
How offering customer financing works
Your customer applies for financing at the point of sale — on your website, in your store, or in your service quote. Approval is usually instant for most credit profiles.
Once approved, the financing partner pays you the full purchase amount (less the merchant fee) within 24–48 hours. The customer then repays the financing partner over their chosen term, typically 3–60 months.
You can offer multiple financing tiers — deferred-interest "same as cash" promotions for strong credit, longer installment terms for weaker credit. We match your business to financing partners whose underwriting fits your customer base.
What to weigh before you apply.
Pros
- Lifts average ticket size and close rate
- You get paid in full, upfront — no collections risk
- Works for service businesses, retail, medical, home improvement, and more
- Multiple credit tiers means more of your customers can qualify
Cons
- Merchant fee on each transaction (0–8% typical)
- Setup and integration take a few days
- Customer credit denials still happen — financing isn't a substitute for a sale that needs to close
Questions before you apply.
What industries does this work best for?
Home improvement, HVAC, dental and medical, veterinary, auto repair, furniture and appliance retail, fitness equipment, jewelry, weddings, education, and any service or product with a typical ticket above $500 — basically anywhere customers benefit from spreading the cost.
Will my customers see your name or my name?
Most programs are white-labeled or co-branded with your business. The customer experience is "[Your Business] financing powered by [partner]."
What credit scores qualify?
Programs typically span prime (700+), near-prime (600–700), and subprime (under 600) — with terms and merchant fees adjusted by tier. We match you to a financing partner that covers your customers' credit range.