Consumer Financing
Approve more customers. Close more sales.
One lender-neutral platform that routes every application through a waterfall of lenders and private capital, so more of your customers get a yes.
- Multi-lender waterfall with instant decisions
- Merchant direct payments up to $35,000
- Terms up to 48 months and same-as-cash offers
Apply for merchant access
Takes 60 seconds. No credit pull.
140+
Lender partners
40+
Industries served
48 mo
Max terms
$35K
Direct payments
The platform
Every lender. One integration.
Stop managing lenders one at a time. We give you the whole market, plus programs you can't get anywhere else.
Lender-neutral access
Every major lender and fintech through one integration, plus private capital programs not available on the open market.
Instant decisions
One application is sent to multiple lenders at once. Approved customers get funded or issued a virtual card in real time.
You control the waterfall
Turn lenders on or off and set the order. Merchant direct payments up to $35K, terms to 48 months, same-as-cash offers.
What your customers get
Overcome “I can't afford it.”
Our multi-million-dollar monthly portfolio unlocks better rates, longer terms and higher approvals than going direct.
$100K
Max approval amount*
2.99%
APR starting at
15 yrs
Terms available
550
FICO approvals*
Instant
Paperless approvals, rapid funding
Low fees
Merchant fees on every credit tier
*Depends on your industry and program.
Financing approved
$8,400 · 36 mo
At the point of sale
The "yes" happens at the counter, not in a follow-up.
Buyers see a monthly payment in seconds. You get paid in full upfront, and the sale closes before hesitation sets in.
Explore Our
6-Tier Lending System
Click any tier to see detailed benefits, use cases, and lender partnerships
Interactive Waterfall Builder
Customize approval rates, credit requirements & lender priorities
⚡ Live conversion rate calculator • 140+ lender controls • Real-time impact preview
Applications
1,247
Funded Deals
894
Conversion
71.7%
Avg Deal
$12.4K
Total Volume
$11.1M
Lender Tier Controls
Toggle tiers on/off to see impact on conversion rates
Direct-to-Consumer Lenders
Prime Credit Excellence
Best-rate approvals for customers with strong credit profiles.
Instant Virtual Cards
Immediate Buying Power
Visa, Mastercard, and Amex issued instantly at point of sale.
Direct-to-Merchant Lenders
Merchant Gets Paid Instantly
You receive payment immediately while customer pays over time.
SplitPay Solutions (All BNPL Options)
PayPal, Affirm, Klarna & More
No hard credit pull. Instant approval on smaller purchases.
Private Boutique Capital
All Credit Tiers Welcome
Our exclusive private capital network funds near-prime, subprime, and thin-file customers.
Account Servicing Revenue
Turn Declines Into Profit
Service existing accounts. Customer pays principal + interest. You earn on the spread.
Click any tier above to explore detailed benefits, use cases, and our lender partnerships
Who it's for
Built around where you are
The platform scales with your volume, from your first financed sale to $250K+ a week.
Established merchants
Funding $250K+ per week: direct lender relationships, expanded programs, and consistent rates and terms.
Growing and high-risk merchants
Start with proven BNPL programs and account servicing revenue, then unlock private capital as your track record builds.
Sales channels
Works wherever you sell
Call center
Inbound and outbound sales, infomercial, BPO.
In-person
Clinics, home improvement, solar, trade shows.
Retail
Storefronts, medical, dental and veterinary practices.
E-commerce
Subscriptions and high-ticket online products.
FAQ
Questions business owners ask
See what financing could add to your revenue Claim your session.
Tell us about your business. A senior advisor will review your fit and map your lender waterfall on a private strategy call.
+17%
More closed sales
24–72h
Funding decisions
140+
Lenders & investors
$2.4M+
Chargebacks recovered
- Get paid upfront while customers pay over time
- Approvals down to 550 FICO turn declines into funded deals
- Investor capital across 40+ industries
Get your free growth plan
Takes 60 seconds. No credit pull.