Financing Terms & FAQ
Financing Products &
Terms Explained
Everything you need to know about our lending products, how they work, and which options best serve your customers. From BNPL to private capital, we break it all down.
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Private Boutique Capital
85%+
Approval Rate
$35K
Max Funding
48 mo
Term Length
Instant
Decision Time
Key Features
- Direct access to ultra-high-net-worth investors
- Approval rates up to 85% across all credit profiles
- Super prime, prime, near-prime, subprime, and no-credit-file funding
- Instant decisioning technology backed by private capital
- Terms up to 48 months with same-as-cash options
- Merchant Direct Payments up to $50,000
- No liquidity constraints - unlimited scalability
Ideal For
- Established merchants funding $250K+ per week
- Businesses requiring expanded programs and premium rates
- Companies needing consistent, reliable funding sources
- Merchants seeking white-glove lender relationships
Merchant Direct Payments
$50,000
Max Amount
Instant
Issue Time
6-48mo
Term Options
Same-as-Cash
Promo Offers
Key Features
- Fund customers up to $50,000 directly
- Your branding, your customer relationship
- Same-as-cash promotional offers available
- Virtual cards issued instantly upon approval
- Terms extending to 48 months
- No dependency on third-party lenders
- Complete control over approval flow
Benefits
- Higher profit margins - you control the terms
- Stronger customer loyalty and repeat business
- No lender interference or changing terms
- Instant funding without liquidity delays
- Build your own financing receivables portfolio
- Tax advantages of carrying your own paper
BNPL Platforms (Tier 1)
Key Features
- No credit impact for customers to check eligibility
- Instant approval decisions at checkout
- Split payments into 4 interest-free installments
- Longer-term financing options (6-36 months)
- Embedded seamlessly into checkout flow
- Mobile-optimized application experience
- High approval rates for young consumers
Platforms We Work With
PayPal Credit
Highest recognition, existing user base, revolving credit
Affirm
Transparent terms, no hidden fees, strong with millennials
Klarna
Global reach, Gen-Z appeal, smooth UX
Afterpay
Fashion/retail focus, interest-free options
Sezzle
Emerging markets, flexible repayment
Conversion Impact
- 68% increase in average order value
- 17% boost in conversion rates
- 45% increase in repeat purchases
- 30% reduction in cart abandonment
Understanding the 6-Tier Waterfall
Tier Breakdown
Tier 1: BNPL Platforms
60-70%
Soft credit check, instant approval, customer-friendly terms
Avg APR: 0-15%•5-8 platforms
Tier 2: Prime Lenders
40-50%
Best rates for 680+ credit scores, traditional banks
Avg APR: 5.99-14.99%•15-20 lenders
Tier 3: Near-Prime Lenders
50-60%
Competitive rates for 620-679 credit, finance companies
Avg APR: 14.99-24.99%•20-25 lenders
Tier 4: Subprime Lenders
40-50%
Credit-challenged customers, income-based underwriting
Avg APR: 24.99-35.99%•25-30 lenders
Tier 5: Private Capital Network
70-80%
Proprietary private lenders, portfolio buying, merchant direct
Avg APR: Custom•10-15 syndicates
Tier 6: Merchant Direct Payments
100%
Your capital, your terms, full control
Avg APR: You Decide•Unlimited
Waterfall Advantages
- Maximize approval rates through diversification
- Best terms presented first automatically
- No manual lender shopping required
- Real-time decision routing
- Built-in redundancy prevents lost sales
- Single application, multiple lender responses