The sale you lose when the whole ticket is too much today.
Your customer applies at your counter and pays over time. You get paid. Your business is not borrowing and is not on the hook for their balance.
Add financing at my counterHow we set this up
Sticker shock does not sound like an objection. The customer nods, says they need to think about it, and walks. You never find out that the only problem was the size of the number that day, because nobody says that out loud at a counter.
Customer financing puts a second answer on the table. One application at checkout, and the customer leaves with the thing they came in for on a payment they can carry. This is your customer borrowing, not you. It is not a loan to your business, it does not sit on your books, and it is not the same product as working capital, which is money for the business itself and lives on its own page.
The part that makes it work is what happens behind that one application. It does not go to a single lender who says yes or no. It cascades through several of them in sequence, so a customer one lender passes on can still come back approved from the next. Customers can also be pre-approved before they ever walk in, which turns the budget conversation into something settled instead of something risked.
What it costs you, and what it costs your customer, are set when you enroll, and both depend on the program and on the customer in front of you. We get those terms in writing and walk you through them before anything is switched on at your counter.
What we carry
One application, several lenders
The waterfallYour customer fills out one application at the counter. It moves through a chain of lenders rather than stopping at the first one, so a customer that a single lender would decline can still come back approved.
- One application, not one per lender
- Lenders reviewed in sequence, automatically
- An answer while the customer is still standing there
- More customers approved than any one lender would approve alone
Best for: Counters where a decline is the end of the sale and the customer walks.
Pre-approval before the visit
Ahead of the counterCustomers can be pre-approved before they arrive, so they show up already knowing what they can do instead of finding out at the worst possible moment.
- The customer knows their number before the appointment
- The conversation starts from what they can do, not what they fear
- Fits booked appointments and quoted jobs
- Takes the awkward part out of the close
Best for: Appointment and quote businesses: dental, medical devices, home improvement, bridal.
Wired into your point of sale
At the registerThe program syncs with POS systems, so financing runs inside the checkout your staff already use instead of on a separate device with a separate login on the back counter.
- Runs inside the checkout you already have
- No second workflow for staff to remember
- Same sale, same close, same receipt
- Pairs with the POS systems we spec and install
Best for: Any counter already running a point-of-sale system we support.
Your performance portal
The reportingReal-time reporting on applications and outcomes, so you can see what financing is actually doing to your sales rather than assuming.
- Applications and approvals visible in real time
- See which programs your customers actually use
- Numbers you can put next to your own sales figures
- One place to look instead of asking someone
Best for: Owners who want the program measured, not just installed.
The counters this was built for
These are the programs live right now. The pattern is the same in all of them: a ticket big enough that the customer has to think about it, in a business where thinking about it usually means leaving.
Not on the list? Tell us your average ticket and what you sell. If financing wouldn't move the needle for your counter, we'll say so and leave it alone.
This runs at your checkout
Financing syncs with the point-of-sale system on your counter, which is why we spec the two together rather than bolting one onto the other later.
See the POS systems we carry →Looking for money for the business?
Then this is the wrong page, and we would rather say so than sell you the nearest thing. Funding the business is working capital, where your business is the borrower.
Working capital and funding →Financing does not cut your price. It removes the reason to walk out.
The caveat is that not every customer gets approved, and what the program costs you is set at enrollment rather than published on a page. Both of those are answerable, just not by a website. Tell us your average ticket and what you sell and we will get the real terms in writing from the program, then go through them with you line by line before you sign anything.
Fair questions
Is this a loan to my business?
No. Your customer is the borrower here, not you. Nothing about this sits on your books, and you are not on the hook for their balance. If what you actually need is money for the business itself, that is working capital, and it is a completely different product on its own page.
What happens if my customer stops paying?
That is between the customer and the lender who approved them. You are not carrying their balance.
How is this different from sending them to one lender?
One application moves through several lenders in sequence instead of stopping at the first decline. That is the whole point of the structure: more of your customers get an answer they can use than any single lender would return on its own.
Can a customer be approved before they come in?
Yes. Pre-approval runs ahead of the visit, so they arrive already knowing what they can do. For appointment and quote work that changes the conversation entirely.
Does it work with my POS?
It syncs with point-of-sale systems, so the application runs at checkout rather than on a separate device. Tell us what you run and we will confirm your specific system before anything is promised.
Will every customer be approved?
No. Approval depends on the program and on your customer's own credit. We would rather take your ticket size and your customer base to the program and get you the real picture than have you plan around a number off a web page.
What does it cost me?
That is set when you enroll and it varies by program, so we will not print a figure here and let you assume it is yours. We get the terms in writing and go through them with you before you decide.
What kind of business is this worth setting up?
Higher-ticket retail and services, where the price itself is what ends the conversation. Furniture, jewelry and bridal, appliances, dental, cosmetic and medical devices, hearing aids, HVAC and home improvement, auto repair, powersports, and veterinary all have programs running today. On a small average ticket it is not worth the setup, and we will tell you that.