Consumer financing at checkout
Let customers pay over time while you get paid in full, up front, at no risk to you. Close more big-ticket sales.
The most expensive words in any big-ticket business are “let me think about it,” and they almost always mean “I can’t pay all of that today.” Consumer financing erases that wall. The customer gets a simple pay-over-time option at checkout; you get the entire sale deposited up front, in full, like any other payment. The repayment, and the risk, sit with the lending partner. You just close more, bigger sales.
How pay-over-time actually works
It is simpler than it sounds, and the risk structure is the whole point.
Customer applies at checkout
A quick, soft-pull pre-qualification, no hit to their credit to see options.
Lender approves & funds
The lending partner pays you the full amount of the sale, up front.
You get paid in full
It deposits like any other transaction. The sale is done.
Customer repays the lender
They pay over time. If they default, that is the lender’s risk, not yours.
The part that matters most
Bigger tickets, more closes
Financing does two things at once: it lifts your close rate on expensive items, and it nudges customers toward the larger option because the monthly number feels manageable. For the right business, that is found money on deals that were already walking out the door.
What “yes” is worth
When customers can pay over time, more big-ticket deals close. A rough look:
Today
$50,000
/ month
With financing
$60,000
/ month
Roughly $10,000/mo in sales that otherwise walk out the door.
Illustrative, assuming a ~20% lift in closed big-ticket deals. Real results vary by business.
Where financing earns its keep
This is a tool for businesses where the price tag is the main objection. If your average sale is small and impulse-driven, you do not need it. If customers regularly pause at the total, it can transform your numbers.
HVAC, roofing, remodels
four and five-figure projects
Furniture, jewelry, electronics
considered, high-ticket purchases
Dental, med spa, vet, optical
elective and premium care
No risk to the merchant
The bottom line
- Customers pay over time; you are paid in full, up front, at the time of sale.
- Repayment risk sits with the lending partner, not with your business.
- Pre-qualification is a soft pull that does not hurt the customer’s credit.
- Financing lifts both close rates and average ticket sizes on big-ticket sales.
- It pays off most for home services, big-ticket retail, and elective health and care.
Common questions
A lending partner pays you in full and up front for the sale, then collects from the customer over time. The customer gets a pay-over-time option at checkout; you get the whole sale deposited like any other payment. The repayment risk sits with the lender, not you.
Industries we set up on this service
Ready to stop overpaying?
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