Customer financing for businesses
Customer financing that covers every credit profile.
Offer your customers affordable monthly payments with one application that runs through a complete lending waterfall: 10+ BNPL and consumer lenders, Everyone Is Approved programs and, if you choose, payment plans you own.
What is customer financing?
Let customers buy today and pay over time.
Customer financing lets a business offer monthly payments on a purchase instead of asking for the full price upfront. A lender or payment plan covers the cost, the customer pays it back over time, and the business closes the sale.
Most businesses offer one lender. When that lender says no, the sale is usually lost. Client Financing connects one application to many lenders and programs across the credit spectrum, so far more of your customers leave with an approval.
Why businesses offer it
- Close customers who say "I can't afford it"
- Sell larger packages with a lower monthly number
- Get paid upfront when a lender funds the sale
- Give customers with challenged credit a real option
The lending waterfall
One application. A full credit spectrum.
Each tier only sees the applications the tier above couldn't approve. Move the score to see where a customer lands.
What you get
Everything you need to offer financing.
10+ financing solutions
BNPL, direct-to-merchant consumer financing, billing and servicing solutions, checked in order through one application.
Everyone Is Approved programs
Programs built to approve applicants other lenders decline, placed at the bottom of your waterfall.
Your own payment plans
Add LMPP plans with your own terms and interest rates, and keep 90% of what's collected.
Learn about LMPP →One merchant portal
Application links, approvals, contracts and funding across every lender in one place.
Onboarding and training
Our team sets up your waterfall and trains your staff to present financing with confidence.
Rates from 0% to 29.99%
Customer rates vary by lender, program and credit profile, including 0% promotional plans.
Customer financing by industry
FAQ
Customer financing questions
How does customer financing work for my business?
You share an application link with your customer. They apply once, and the application moves through your lending waterfall until a lender or program approves it. Your customer picks a monthly payment and e-signs, and you're paid upfront by the lender or through LMPP.
Can customers with bad credit get approved?
Yes. The waterfall runs from prime lenders down to sub-prime lenders and Everyone Is Approved programs, so customers with challenged or limited credit still get an option.
How much does it cost my business?
When a lender funds a sale, it pays you upfront, minus that lender's merchant fee. On LMPP plans there's no merchant fee: you keep 90% of what's collected and Client Financing keeps 10%. Our team will walk you through the options for your business.
What interest rates do customers pay?
Rates range from 0% to 29.99% and depend on the lender or program and the customer's credit profile. On LMPP, you set the rates for each credit tier.
How quickly can I start offering financing?
Tell us about your business and our team will call within one business day to set up your waterfall and application links.
Get started
Offer financing your customers can say yes to.
Takes about a minute. A real person on our team will call you within one business day.
- 10+ BNPL & consumer lenders, plus Everyone Is Approved programs
- Optional LMPP plans you control
- No long-term contract, no minimum volume
Received
You're on the list.
Someone from our team will call you within one business day. Keep an eye out for a call or text from Client Financing.