Keep the sale on the showroom floor.
When a customer loves the piece but not the price, a monthly plan gives them a way to decide today. Same-day decisions, often instant, on a program built around your products and paid on your schedule.
$0 enrollment fee$0 monthly feePaid on your schedule
01 Why it works
“Let me think about it” usually means the total is the problem.
Considered purchases like a sofa, a ring, or a home gym are easy to put off. Showing a monthly figure next to the price gives the customer something to weigh against their budget, while they’re still in your store and the product is in front of them.
- Same-day decisions, often instantThe customer can leave with the purchase or the delivery date booked.
- A clear maximum if the full amount isn’t approvedSo your associate can suggest a different piece or a deposit.
- 180-day promotional optionInterest paid is rebated if the customer pays in full within 180 days and meets the conditions.
- No prepayment penaltyCustomers can pay off early whenever they like.
02 Your program
A retail program, built for your business.
We don’t hand retail businesses a standard plan. We learn how you sell and build the program around it, then fund you on the schedule you set, with no enrollment or monthly fees.
- 01Products covered
- Which lines and categories can be financed, from a single piece to a whole room.
- 02Ticket sizes
- Set around your price points and the purchases your customers hesitate on.
- 03Terms and promotions
- Plan lengths and promotions that work on the sales floor, including whether a 180-day option fits.
- 04Where customers apply
- On the floor with an associate, at the register, or before they visit.
- 05Your funding schedule
- Set by your store. We fund on it once each contract is complete.
03 Your customer, protected
We keep every contract we fund.
We purchase the completed retail installment contract and service it ourselves for its whole life. We never sell the loan off to other companies, so your customer always deals with us, and never with a stranger who has no stake in your reputation.
- Customers pay us, not youNo in-house payment plans, statements, or reminder calls for your staff.
- Never sold to another companyThe team your customer met at signing is the team they pay until the last payment.
- We explain the termsWe walk each customer through the contract in plain language before they sign.
We are an extension of your business and custodian of your brand reputation.
04 Where it fits
What financing looks like in practice.
A few typical situations we build programs around.
Living room set
A full room delivered at once instead of bought piece by piece.
Engagement ring
A once-in-a-lifetime purchase on a fixed, predictable plan.
Home gym package
Treadmill, rack, and weights in one purchase with one monthly payment.
05 Retail lines
Every retail line we finance.
21 business types and counting. Don’t see yours? Ask us; we review others case by case.
- FurnitureFurniture purchases such as couches, chairs, and living-room or bedroom sets.
- Mattresses
- Appliances
- Flooring retailersFlooring sold at retail, distinct from contractor-installed flooring under Home Improvement.
- Jewelry
- Diamond ringsA dedicated jewelry sub-line for diamond-ring purchases.
- Luxury watches
- Electronics & home theater
- Cameras
- Drones
- Exercise / fitness equipmentTreadmills, bikes, ellipticals, rowers, free weights, and training benches.
- Outdoor / lawn & snow equipmentRiding and zero-turn mowers, snowblowers, and similar outdoor power equipment.
- Bikes
- Hot tubs (retail)Hot-tub dealers. Installed pools are listed under Home Improvement.
- Pool tables & game roomsPool tables and game-room packages.
- Toolboxes
- Pet stores & pet trainingPet purchases and dog or pet training services sold at retail. Veterinary care is listed under Medical.
- Wedding / formal retailMajor occasion purchases such as wedding dresses.
- Home security systems
- Recreation: RVs & trailersMotorhomes, travel trailers, fifth-wheels, toy haulers with living quarters, and destination trailers.
- Recreation: boats & watercraftBoats, motors or re-powers, and personal watercraft.
What kinds of retail purchases qualify?
Furniture, mattresses, appliances, jewelry, electronics, fitness and outdoor equipment, hot tubs, recreation vehicles and boats, and more. See the full list above.
Can customers pay off early?
Yes, with no prepayment penalty.
When is the customer’s first payment?
Three to seven weeks after the purchase.
How do we get paid?
On the funding schedule you set. There’s no enrollment fee and no monthly fee.
Other industries
Build a program for your retail business.
No enrollment fee, no monthly fee. Tell us how you sell and we’ll design the program around it.