No enrollment or monthly fees for merchants

Four industries. A program for each merchant.

Modern Financial builds point-of-sale financing programs for merchants in medical, home improvement, retail, and professional services, each one tailored to the merchant’s products, ticket sizes, and customers.

02 Directory

76 business lines across four industries.

If yours isn’t listed, we’d still like to hear from you. We review other industries case by case.

Medical (26)

  • Elective / medical procedures
  • Cosmetic & plastic surgery
  • Medical aesthetics & med spa
  • CoolSculpting / body contouring
  • Hair replacement
  • Tattoo removal
  • Dental
  • Orthodontics (braces & clear aligners)
  • Cosmetic dentistry
  • Wisdom teeth removal
  • Vision / LASIK
  • Additional vision procedures
  • Hearing
  • Chiropractic
  • Physical therapy
  • Dermatology
  • Weight loss / bariatric
  • Veterinary & pet care
  • Medical mobility & equipment
  • Clinical / general medicine
  • Fertility, IVF & family building
  • Men's wellness
  • Spinal decompression
  • Hernia repair
  • Snoring / breathing surgery
  • Disease rehabilitation

Home Improvement (26)

  • General home improvement & remodeling
  • HVAC (heating & air)
  • Roofing
  • Siding
  • Windows & doors
  • Water filtration / water treatment
  • Solar, solar battery & energy efficiency
  • Generators
  • EV charging station installation
  • Landscaping & turf
  • Decks & patios
  • Driveways / concrete
  • Insulation
  • Pools (installed)
  • Plumbing
  • House painting
  • Playsets
  • Invisible fence
  • Cleaning system sales (in-home / direct sales)
  • Fences
  • Home automation
  • Flooring (installed)
  • Garages & portable buildings
  • Storm shelters
  • Septic systems
  • Lighting and electrical

Retail (21)

  • Furniture
  • Mattresses
  • Appliances
  • Flooring retailers
  • Jewelry
  • Diamond rings
  • Luxury watches
  • Electronics & home theater
  • Cameras
  • Drones
  • Exercise / fitness equipment
  • Outdoor / lawn & snow equipment
  • Bikes
  • Hot tubs (retail)
  • Pool tables & game rooms
  • Toolboxes
  • Pet stores & pet training
  • Wedding / formal retail
  • Home security systems
  • Recreation: RVs & trailers
  • Recreation: boats & watercraft

Professional Services (3)

  • Tax relief
  • Timeshare elimination / timeshare relief
  • Tutoring & educational services

Merchant not enrolled yet? We’ll call them.

If a customer applies with a business that doesn’t offer Modern Financial yet, we let the customer know and contact the business to get it set up.

Refer a business

Don’t see your industry?

Tell us what you sell and how customers usually pay. We review other industries case by case and build the program around your business.