A lender that works like part of your business.
Modern Financial builds point-of-sale financing programs for merchants in medical, home improvement, retail, and professional services. We design each program by hand, fund merchants on the schedule they set, and keep every contract we fund. Our office is in Henderson, Nevada.
01 Our story
Why we exist.
Most point-of-sale financing is a standard product, sold the same way to every merchant. We think a merchant’s financing should start with the merchant.
Modern Financial builds retail installment financing programs for merchants in four industries: medical, home improvement, retail, and professional services. We hold CA DFPI License #6054855, we’re registered as NMLS #1880700, and we work from our office in Henderson, Nevada.
Our model is deliberately simple. Every program begins with a conversation about the merchant’s products, prices, and customers, and is designed by hand from there. Merchants are funded on the schedule they set, with no enrollment or monthly fees. When a customer signs, we purchase the contract and keep it for its whole life; we never sell loans to other companies.
For the merchant’s customers, that means a credit decision the same day, often instantly, terms explained in plain language before anything is signed, a first payment 3–7 weeks after the purchase, and one team to deal with until the last payment.
Modern Financial is a dba of Modern Asset Management Inc., part of the Modern Asset Management family of companies.
We are an extension of your business and custodian of your brand reputation.
02 How we’re different
Five principles we don’t bend on.
Built to order
Each merchant’s program is designed around their products, ticket sizes, and customers. It isn’t a one-size-fits-all plan.
We keep what we fund
We purchase each completed contract and service it ourselves. We never sell loans off to other companies, so your customer always stays with us.
Your schedule, no fees
Merchants are paid on the funding schedule they set. There’s no enrollment fee and no monthly fee.
Fast, plain answers
Every applicant gets a credit decision the same day, often instantly, and we explain the terms before anything is signed.
Built for the long term
We’d rather keep a merchant for years than sign one up quickly. Programs are adjusted as the business changes.
03 Working with merchants
How a merchant relationship works.
From the first call, you work with a team that learns your business, not a sign-up page.
- We learn how you sellProducts and services, typical ticket sizes, your customers, and where financing comes up in the sale.
- We design your programTerm options and promotional structure, including whether a 180-day promotional option fits.
- You set the funding scheduleWe fund you on it once each contract is complete. No enrollment or monthly fees.
- We launch with your teamMerchant portal access, your application link, and a walk-through for staff.
- We look after your customersSame-day decisions, terms explained in plain language, first payment 3–7 weeks after purchase, and one team to deal with until the contract is paid.
04 Who we serve
Four industries, one approach.
Retail installment financing for businesses whose customers make considered purchases. If yours isn’t listed, we review others case by case.
Licensed & verifiable
A licensed lender you can look up in a minute.
Modern Financial is a dba of Modern Asset Management Inc., part of the Modern Asset Management family of companies. Our California license and NMLS record are public, and our office is in Henderson, Nevada.
Look us up on NMLS Consumer AccessTalk to the team.
Tell us about your business and we’ll show you what a program built around it would look like.