POS Lending & Consumer Financing

Let Customers Pay Over Time — You Get Paid in Full Today

Integrate buy-now-pay-later, installment financing, and B2B net terms directly into your point of sale. Increase average order value by 40%, reduce cart abandonment by 35%, and close more sales.

Add Financing to Your Business See a Demo

40%

Higher Average Order Value

35%

Less Cart Abandonment

Customer Return Rate

48hrs

Merchant Payout

POS Lending Solutions

Buy Now, Pay Later (BNPL)

Offer 4 interest-free installments or extended payment plans at checkout. Customers pay over time — you get paid in full upfront.

Pay-in-4 (bi-weekly, 0% interest)

Extended plans: 3, 6, 12, 24 months

You receive full payment within 48 hours

Customer-facing approval in seconds

In-store and online checkout

No impact on customer credit for pay-in-4

White-labeled with your branding

Merchant fee: 2.9% – 5.9%

Consumer Installment Financing

Offer your customers traditional installment loans from $500 to $50,000 for larger purchases. Prime and subprime programs available.

$500 – $50,000 financing

6 to 60-month terms

Prime rates from 0% APR (promotional)

Subprime programs (credit scores 550+)

Full payment to merchant within 48 hours

Customer applies on tablet/phone

Deferred interest promotions available

Revolving credit options

B2B Net Terms

Extend net-30, net-60, or net-90 payment terms to your business customers without tying up your own cash. We fund you immediately.

Net 30/60/90 for B2B customers

We assume the credit risk

You get paid within 48 hours

Customer credit checks included

Automated billing & collections

Online B2B portal for customers

Integrates with invoicing systems

No recourse to you on defaults

How POS Lending Works for Your Business

For Your Customers:

Apply at Checkout

Customer scans QR code or enters phone number. Soft credit pull, approval in seconds.

Choose Plan

Select pay-in-4, 6/12/24 month installments, or promotional 0% APR offer.

Complete Purchase

Transaction completes instantly. Customer walks out with their purchase today.

Pay Over Time

Automatic payments on schedule. Customer manages account through a simple app or portal.

For Your Business:

Get Paid in Full

You receive the full purchase amount (minus merchant fee) within 48 hours.

Zero Credit Risk

The lending partner assumes all credit risk. Customer default is not your problem.

Increase Sales

Customers spend 40% more when financing is available. Close sales that would otherwise walk.

Track Everything

Real-time dashboard shows financing volume, approval rates, and revenue impact.

Industries Using POS Financing

Furniture & Home

Finance sofas, mattresses, and home goods. BNPL drives 50%+ of high-ticket furniture sales.

Dental & Orthodontics

Patient payment plans for procedures not covered by insurance. 0% promotional financing available.

Automotive & Tires

Repair financing, tire purchases, and maintenance packages. Customers approve in 60 seconds.

Electronics & Appliances

Pay-in-4 for gadgets, installment plans for major appliances. Increase average ticket size.

Home Improvement

Contractor financing for renovations, HVAC, roofing, and remodeling projects.

Jewelry & Luxury

Installment plans for engagement rings, watches, and luxury goods without store credit risk.

Veterinary

Pet care financing for surgeries, treatments, and wellness plans.

E-Commerce

Online BNPL at checkout. Reduce cart abandonment and increase conversion rates.

Turn "I Can't Afford It" Into "I'll Take It"

Add POS financing to your business in days. Free setup. No monthly minimums.

Get Started

Consumer financing programs are subject to lending partner approval and consumer credit qualification. Approval rates, APRs, and terms vary. Merchant fees range by program and volume. Statistics cited (40% AOV increase, 35% cart abandonment reduction) are industry averages and not guaranteed. B2B net terms subject to business credit evaluation. TrustScore Merchant Services, a division of TrustScore, LLC, 1342 NM 333, Tijeras, NM 87059.