Merchant Point of Sale Financing Platform

Digital Consumer Lending Solutions Customized for Your Business

FinMkt's point of sale financing platform empowers merchants and OEMs to create their own destiny! We offer an off-the-shelf digital lending platform or a customized SaaS white-labeled solution.

• Multiple Lenders
• Universal Application
• Supports a Variety of Products
• Greater Approvals
• Funds Dispersement
• Robust Reporting
• API Integration

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The best consumer financing solution for your business.

Complete or Modularized Solution

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• Customize messaging & branding
• Manage multiple locations
• Integrate with existing CRM
• Supports multiple user types

User-Friendly Merchant Portal

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• Easy to use portal
• Configurable financing products
• Document repository
• 7-day a week live support

Universal Consumer Application

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• One easy, universal application
• Realtime decisioning
• Prequalified offers don't affect credit
• All documents signed digitally

Consumer Underwriting & KYC

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• Complete consumer underwriting
• KYC + Fraud Checks
• Credit policy insights
• 7-day a week live support

Loan Origination & Funds Disbursement

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• Payment processing
• Funds disbursement
• Refund processing
• Staged funding functionality
• SMS & email communication

Lender Network & New Lender Integrations

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• Go live instantly with existing lender network
• Onboard pre-existing lender partners
• Configurable lender waterfall

Looking for an off-the-shelf solution?

We got you! Our embedded point of sale financing platform, FinFi, has everything you need to provide instant access to affordable consumer financing options.

Learn More

Questions? We have answers.

What is point of sale financing?
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Point of sale financing is a convenient way for businesses to offer access to affordable financing options for mid to high dollar purchases when a service/goods are being scheduled/purchased.

Some programs can be offered on a no-credit-check basis and some will require traditional consumer underwriting. This usually depends on the amount being financed, with larger-dollar purchases requiring a hard credit check in order to finalize approval.

All prequalified offers presented through FinMkt's point of sale financing platform are presented without affecting credit and a hard credit check only occurs when a borrower has accepted an offer.

Who uses FinMkt's digital consumer lending solutions?
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FinMkt’s partners and clients include banks, credit unions, non-bank lenders, financing platforms, original equipment manufacturers (“OEMs”), home improvement companies, healthcare providers, and retail merchants.

Because FinMkt offers both a complete end-to-end financing platform and modularized options, every solution is uniquely and purposefully customized for each client, whether they are new to point of sale financing or industry veterans.

What types of consumer financing products do FinMkt's platform support?
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FinMkt’s platform is product agnostic. Our digital lending technology supports traditional installment loans, revolving lines of credit, same as cash deferred interest promotional offers, lease-to-own, virtual cards and no credit check split payment options.

What channels and industries does FinMkt's platform support?
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FinMkt’s technology is omni-channel and vertical agnostic. We have developed custom solutions for home improvement, healthcare, retail and e-commerce. Wherever a purchase takes place, FinMkt’s consumer lending technology enables instant financing at the point of sale.

Why was FinMkt's technology developed to support multiple lenders?
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Single lender platforms only serve a fraction of consumers, leaving merchants with a less than ideal financing solution and a poor customer experience. By integrating multiple lenders into one seamless full credit spectrum consumer financing solution, merchants increase sales by providing more customers access to pay over time financing options at the point of sale.

Partners can configure lenders and products to their liking and even integrate their own financing products or lending partners. FinMkt can also tailor lenders and products to meet the needs of each partner through our pool of integrated lenders that includes banks, credit unions, alternative lenders, and our wholesale bank partners.

How long does it take to launch a point of sale financing solution with FinMkt?
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With API-driven technology and a rockstar team, FinMkt moves fast. Need a solution with a tight deadline, feel encumbered by legacy technology, or don’t even know where to start in accelerating a digital lending strategy? FinMkt can help every step of the way.

As consumer demand for digital financing options at the point of sale increases, lenders and merchants need to keep pace. FinMkt removes many pain points to accelerate the implementation of new or enhanced customized point of sale financing solutions.

Want to learn more about FinMkt's digital lending software and loan origination system?

Please provide us with your information and one of our team members will reach out.

We look forward to chatting with you!

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