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Consumer Financing

Expand Your Customer Base and Increase Sales

Do you have large ticket sales that range from $1k to $25k that are difficult to close immediately because your customers do not have the cash or credit card room? Our paperless consumer financing platform provides your customers a competitively priced financing option right at the point of sale. This helps business owners expand their customer base and increase sales.

For every applied loan, we have developed a multi-lender platform that creates competition. This gives you more freedom to provide value through your products and services, and offers your customers better lending rates and more attractive terms.

Through a variety of national lending partnerships we can customize a solution that meets your business needs. Whether it’s developing a program geared toward prime credit borrowers or enhancing your approval rates through our second chance financing programs, we can help. We believe that business is based on providing an exceptional customer experience and building a long term business relationship. Let us help you develop a primary or secondary consumer lending program that drives more sales and increases your bottom line.

* Minimum annual business revenue (cash, credit cards, checks, financing, etc.) 500K. Minimum loan amount $1000.  Other restiction apply.  See our FAQ page for additional details


Reality of Today’s Economy

40% of consumers spend more than they earn. A consumer credit program is not a want, it’s a must! Give your clients every option when choosing to purchase your goods or services.

With an average FICO credit score range of 643-660 for all residents in the US under the age of 54, you need a program that will address all levels of credit worthiness.

We also offer more traditional programs with low discounts rates and subprime programs that approve contracts with a credit score as low as 540.



Advertising Payment Options Increases Sales


Studies show if you promote payment options like 0% interest or low monthly payment plans, sales explode.

If you are selling goods or services over $1,000, you need to offer low monthly payment options to consumers who are payment sensitive. A simple adjustment like this in 

We provide a program for online e-commerce businesses to now offer installment payments online. You can offer 0% interest or term installment payments that are directly integrated with your shopping cart system. Why offer one restrictive solution, like some of our competitors, when you can have a variety of solutions that meet the individual needs of your customers?

your advertising strategy can appeal to a larger audience and lift sales dramatically.



Flexible Solutions

We understand that one size does not fit all. That’s why we have multiple financing program options, from 0% interest programs to installment and revolving credit lines. In addition to standard credit programs, we offer Sub-prime programs to help those consumers that may be credit challenged. What’s even better is that we don’t charge high loan discount fees like GE Capital Bank or Wells Fargo, our program is flat rate regardless of loan size.





We serve a variety of markets, with the only requirement being the loan exceeds $1000. Here are a few examples…

  • All Healthcare
  • All Dental and Orthodontics
  • All Plastic Surgery
  • All Home Improvement
  • HVAC
  • Plumbing
  • Solar
  • Swimming Pools
  • Windows
  • Doors
  • Home Remodels
  • Roofing
  • Veterinary


Why Consumer Finance?

  • 100% funding – *No Discount ProgramMultiple Interest Free Plans
  • Instant Approval Programs
  • 2nd Chance Financing Options, as Low as a 540 Credit Score
  • Loans up to $25,000 and 5 Years to pay
  • National Lenders Complete for Each Loan
  • Easy Online Single-page Application
  • No Prepayment Penalties
  • Fast Approval Times
  • Customers May Combine Loans Offers


  • Automotive
  • Power Sports
  • Sporting Goods
  • Furnishings and Appliances
  • Medical Equipment
  • Trade and Vocational Training
  • E-commerce Merchants
  • Power Sports
  • Jewelry
  • Firearms/Gun Stores
  • Musical Instruments
  • Bicycles
  • Sports/Exercise Equipment
  • Power Scooters

Easy Setup and
Great Merchant Tools!

  • No Business Financials Required for Setup
  • No loan Volume Requirements
  • Simple Merchant Application
  • Full Business Owner Training Provided
  • Easy Payment Calculators and Online Tools
  • Online Loan Portal Status System
  • All Consumer Contracts Completed with E-signatures
  • No Contracts to Fax or Mail
  • Point of Purchase Marketing Assistance
  • Dedicated Account Representative
  • Consumer Finance Section


Five easy steps

Step 1



  • Quick and Easy

Customers apply right on their smart phone or tablet.  We run a soft credit check with instant credit decisions.  The entire pre-approval process takes less than 5 minutes. 



Step 2      





  • Simple Merchant Dashboard

Fine tune the purchase details in your sleek, easy to use Merchant Dashboard.



Step 3




  • Easy Customer Agreement

Right from your dashboard simply email your customer the final financing document to sign via DocuSign.  They can sign it right on their smart phone.  With Low Rates and High approval ratings your customers will thank you.



Step 4




  •  Happy Customers

You will become a hero with your customers by enabling them to get the services they need and you will not be bogged down with paperwork.



Step 5




  • Get Paid Fast

Fast 2 day funding deposited right in your bank account!  How cool is that!  Plus our product will save you time and money over CareCredit, Synchrony, etc.


No Merchant Monthly Minimums, No Merchant Monthly Fees and No Software to Buy.

Have more question?  Take a look at our Frequestly Asked Questions page or Contact Us.