Trade & vocational school financing
Trade school financing that fills every seat.
Students come to your welding, HVAC or CDL program to change their income, which is exactly why tuition is hard to pay on day one. Give every applicant a monthly payment option so enrollment isn't decided by savings or a credit score.
Application · Example
HVAC certification program- ApplicantCredit score 5811 application
- Waterfall17 BNPL & consumer lenders, then Everyone Is ApprovedApproved
- Term36 months · 24.99%Example
Illustration. Real offers depend on the lender or program and the application.
The problem
Why qualified students don't enroll.
Federal aid often doesn't cover it
Many short career programs aren't eligible for traditional federal student aid. Workforce Pell began in July 2026 for some 8 to 15 week programs, but only programs that meet state and outcome requirements qualify.
Grants take time
Workforce grants and other assistance can take weeks to approve. Students who want to start the next cohort can't wait.
Thin or damaged credit
Many career-changers have limited or challenged credit, so a single lender declines them and the seat stays empty.
How tuition financing works
One application. Every lender. Every applicant.
Add it to admissions
Share the application link in admissions calls, enrollment emails or on your tuition page.
Students apply once
The application checks 17 BNPL and consumer lenders, then Everyone Is Approved programs and your LMPP tuition plans.
Start the cohort
Students choose a monthly payment and e-sign. You're paid upfront by the lender, or weekly through LMPP.
17 BNPL & consumer lenders
Prime, near-prime and second-look lenders, checked in order.
Everyone Is Approved programs
Catch applicants the lenders above decline.
Your own payment plans (LMPP)
Your terms and rates, anywhere in the waterfall.
Lender Managed Payment Plan
Keep more of every tuition dollar
With LMPP, your school offers its own tuition payment plans. Set terms by program or start date, choose which credit tiers to approve and the interest rate for each, and keep 90% of what's collected. Our bilingual servicing team works with students, so your admissions staff doesn't have to collect.
No merchant fee. Client Financing keeps 10% of what's collected.
Built for
Who we work with
- Welding schools
- HVAC and refrigeration programs
- CDL and truck driving schools
- Electrical and plumbing programs
- Automotive and diesel technician programs
- Other career and technical training
FAQ
Trade & Vocational Schools financing questions
How can students pay for trade school without financial aid?
Many students combine savings, workforce grants and a monthly payment plan. With Client Financing, your school offers payment plans through one application that checks 17 BNPL and consumer lenders and Everyone Is Approved programs.
Can students with bad credit finance welding or CDL school?
Yes. Applications move down the waterfall to second-look lenders and Everyone Is Approved programs, so students with limited or challenged credit can still receive an offer.
Does financing replace Workforce Pell or other grants?
No. Financing can cover the part of tuition that grants don't, or let a student start while assistance is still being approved.
Can we offer in-house tuition payment plans?
Yes. LMPP lets your school run its own tuition plans with your terms and rates, while Client Financing handles agreements, billing and collections.
Other industries
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.
- 17 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.