Customer financing application is approved at maximum amount.
Get paid often.
Our multiple lender platform approves more of your customers.
Provide Your Customers with the Option to Finance
1 out of 3 Americans have credit scores of 650 or lower, so you couldn’t approve them UNTIL NOW!
Accept and convert customers w/ credit scores as low as 515
Approve clients from $500 to $50,000
Offer terms up to 84 months
Offer same-as-cash (no interest) programs for 6-12 or even 18 months
Helps your customers and clients build credit by reporting as a tradeline
Doesn’t ding their credit score during pre-approval
Get clients approved in 5-7 minutes
We specialize in serving the markets no one else will finance
Get all your money deposited in 2-3 days
Help thousands of the underserved
Currently Partnering with Industry Merchants:
Click here to view criteria we consider when reviewing merchant applications.
The Merchant Application Review
While we attempt to approve every merchant, we are unable to approve all applications. Please review this list of the most common reasons we're unable to approve a merchant before you continue with the application process.
1) Outstanding financial obligations including liens, judgments, and bankruptcy within the last 2 years.
2) Business license and/or trade license inactive, not in good standing, or revoked.
3) Felony criminal record within last 20 years.
4) Misdemeanor Fraud or Theft within the last 20 years.
5) Current/active lawsuits or litigation.
6) Time in business is at least 6 months for Coaching, Retail and Healthcare. At least 1 year for Home Improvement.
7) Credit Score. A soft credit check will take place after submission of the merchant application. The average Transunion FICO credit score of the owners must be 620 or higher. If only one owner, his or her Transunion FICO score must be 620 or higher.
8) Businesses must have at least $250,000 annual sales revenue.
9) No Credit-Repair Merchants.
• 620 credit score required for merchant approval • The underwriting process can take up to 4 business days.
Coaching & Consulting
Motivational Speaking
Workshops & Seminars
Financial Consulting
Fitness/Gym/Sports Programs
Life Coaching
Business Consulting
Career Coaching & Consulting
Health & Nutrition Consulting
Healthcare
Dental
LASIK & Vision
Cosmetic
Acupuncture
Hearing
Veterinary
Alternative Medicine
Elective Surgery & Treatments
Home Improvement
Roofing
Pools & Spas
Renovation
Solar
Landscaping
Windows & Doors
HVAC
Siding
Retail & E-commerce
Home & Outdoor Furnishing
Jewelry & Luxury Goods
Fitness Equipment & Sporting Goods
Computers & Electronics
Recreational Vehicles
Fashion & Apparel
Travel & Entertainment
Beauty & Skincare
Want information on the interest rates you will offer?
You determine the interest rates of your clients based on the merchant fees you accept. Choose your industry below to see the associated interest rates and merchant fees. Offering lower interests require stricter credit requirements for your customer base and higher merchant fees. There are no prepayment penalties.
At the time of sale, your customer completes loan application and receives financing offers without any affect on their credit.
2.
Customer chooses an offer
Within seconds of submitting loan application, your customer is presented with offers for the maximum approval amount. Just choose an offer and agree to terms!
3.
You complete your sale!
After selecting an offer, your customer buys with confidence knowing that flexible financing is in place for the purchase.
