Financing that fits the way you sell.
We build a point-of-sale financing program around your products, ticket sizes, and customers, and fund you on the schedule you set. No enrollment fee, no monthly fee, and we never sell your customers’ contracts.
01 What we tailor
Your program, set line by line.
A furniture showroom, a dental practice, and an HVAC contractor don’t sell the same way, so they shouldn’t get the same financing program. These are the parts we set with each merchant.
- 01Products and services covered
- Which of your offerings can be financed, and how financing is presented for each.
- 02Ticket sizes
- Programs fit to your typical purchase, from smaller add-ons to your largest jobs.
- 03Term options
- The lengths of plan your customers can choose between, matched to your price points.
- 04Promotional structure
- Whether a 180-day promotional option belongs in your program, and where it fits.
- 05Funding schedule
- When you get paid. You set it, and we fund on it.
- 06Where customers apply
- At the counter, in the customer’s home, by phone, or before the appointment.
02 How we build your program
How we build your program.
Five steps, done with you rather than for you. Most of it happens in conversation with our team, not in a form.
Start your program- 01
We learn your business
Before we propose anything, we spend time understanding how you sell: what you offer, what a typical ticket looks like, who your customers are, and where in the sale financing comes up.
- 02
We design your terms
We put together the term options and promotional structure that fit your products and price points, including whether a 180-day promotional option belongs in your program.
- 03
You set the funding schedule
You decide when you get paid. We fund on the schedule you choose, with no enrollment fee and no monthly fee to belong to the program.
- 04
We launch with your team
We set you up in the merchant portal, give your staff the application link, and walk them through how financing fits into the conversation with a customer.
- 05
We stay involved
Your program isn’t set and forgotten. Call the same team as your business changes, when you add a product line, or when you want to adjust how the program works.
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 What you get
Everything needed to offer financing, without a finance department.
No enrollment or monthly fees
Joining the program costs nothing, and there’s no monthly fee to keep it.
Paid on your schedule
Once a contract is complete, we purchase it and fund you on the schedule you set.
Terms built for your tickets
Term options and promotions chosen for your products and price points, not copied from a standard sheet.
Same-day decisions
Every applicant gets a decision the same day, often instantly, while they’re still with you.
We handle the terms conversation
We contact your customer, explain the contract in plain language, and help them choose a plan.
Your customers stay with us
We never sell contracts to other companies. Your customer deals with one team from signing to final payment.
A merchant portal
Enrolled merchants sign in at the merchant portal to start applications and see where each one stands.
Licensed and easy to verify
CA DFPI License #6054855 and NMLS #1880700, published on every page so your customers can check us.
05 At the point of sale
What happens after your customer says yes.
The same steps for every merchant, whether the customer applies at your front desk, at their kitchen table, or from home before the appointment.
- 01Before, during, or after
Customer applies
Through your application link, the portal, or with your staff’s help. It takes a few minutes.
- 02Same day
Decision
A credit decision the same day, often instantly. If the full amount can’t be approved, we share the maximum.
- 03We call them
Terms explained
Our team walks the customer through the contract and helps choose a plan.
- 04Signed
Contract complete
The customer signs the retail installment contract and you complete the sale.
- 05Your schedule
You’re paid
We purchase the contract and fund you on the schedule you set.
06 Approvals
Straight answers for every applicant.
Decisions consider the applicant’s income, credit profile, existing debt, and the amount requested. Customers don’t need perfect credit to be considered.
- Every applicant hears back the same dayNo waiting until tomorrow to know whether the sale can go ahead.
- A clear maximum when the full amount isn’t approvedSo you can adjust scope or deposit rather than lose the sale.
- Plain-language termsWe explain rate, term, and payment before anything is signed.
07 Start your program
From first call to first sale.
Tell us about your business. We’ll call you and start building the program with you.
- Tell us about your businessThe form takes about three minutes.
- We call and learn how you sellProducts, ticket sizes, customers, and how you’d like to be funded.
- We design your programTerm options, promotional structure, and your funding schedule.
- Paperwork and portalWe send the merchant paperwork and set you up in the merchant portal.
- Offer financingShare your application link and start submitting applications.
No enrollment fee. No monthly fee.
Already a merchant? Sign in to the merchant portal.
Merchant enrollment
About three minutes. It goes straight to our merchant team, and we’ll call you to start building your program.
Are there enrollment or monthly fees?
No. There’s no enrollment fee and no monthly fee to offer Modern Financial.
How is a custom program different from a standard one?
A standard program gives every merchant the same terms. We start by learning your products, ticket sizes, customers, and how you sell, then design the term options and promotional structure around them and set the funding schedule you choose. We keep adjusting it with you as your business changes.
When and how do we get paid?
On the funding schedule you set with us. Once the customer’s retail installment contract is complete, we purchase it and pay you on that schedule.
Do you sell our customers’ contracts?
Never. We keep and service every contract we fund, so your customer always deals with us and never with a company you didn’t choose.
Who does the customer make payments to?
After funding, the customer pays Modern Financial under their contract. Your team doesn’t send statements or collect monthly payments.
How fast does my customer get a decision?
Every applicant gets a credit decision the same day, and it’s often instant, so the customer usually has an answer before they leave.
What if the customer is approved for less than the full amount?
We tell the customer the maximum amount we can finance. You can then adjust the scope, take a larger deposit, or split the purchase.
Can customers apply before they come in?
Yes. Customers can apply before, during, or after the consultation or sale. Applying takes a few minutes.
A customer applied and we aren’t enrolled. What happens?
We let the customer know and contact your business to get you set up. You can also start yourself with the form on this page.
Which industries do you work with?
Medical, home improvement, retail, and professional services. If your business isn’t listed, contact us; we review other industries case by case.
Is Modern Financial licensed?
Yes. We hold CA DFPI License #6054855 and are registered as NMLS #1880700, which you can verify on NMLS Consumer Access.
Let’s build your program.
No enrollment fee, no monthly fee, and a program designed around how you sell.