How it works
One application. Every lender. Every customer.
Most financing platforms stop when their lenders say no. Ours keeps going until your customer has an affordable way to pay.
For your customer
Four steps from "it's too expensive" to "I'm in."
Share your link
Send your branded application link, embed it on your site, or fill it out with your customer in person.
Customer applies once
A short, mobile-friendly application. No separate forms for each lender.
The waterfall runs
The application moves down your waterfall, tier by tier, until it finds an approval.
They sign, you deliver
Your customer chooses a payment and e-signs. You're paid upfront or through LMPP, depending on where the deal landed.
Try it
Move the score. Watch where your customer lands.
Each tier only sees the applications the tier above it couldn't approve. Your best customers get the best rates, and nobody falls through.
What's in the waterfall
Three kinds of financing, one application.
Lender network
17 BNPL and consumer lenders covering prime, near-prime and subprime customers. When a lender approves, it funds the sale and you're paid upfront.
Everyone Is Approved programs
Partner lenders with programs built to approve every applicant, placed at the bottom of the waterfall to catch customers other lenders decline.
Your own LMPP programs
Payment plans you design, with your own interest rates by credit tier. Place them anywhere in the waterfall. Most merchants start at the bottom.
Learn about LMPP →For your team
Everything runs from one merchant portal.
Application links
A link and embed code for every program, ready to text, email or add to your checkout.
Every deal in one place
Applications, approvals, declines and contracts across all lenders, without logging into each one.
Onboarding and training
A dedicated team gets you and your staff set up and trained on presenting financing.
Customer self-service
Customers check balances, pay off early and manage their plan in their own portal.