Merchant Solutions

Consumer Financing Solutions Customized for Your Business

FinMkt empowers merchants and OEMs to create their own destiny! We offer an off-the-shelf solution or design your own customized white-labeled platform.

• Multiple Lenders
• Universal Application
• Greater Approvals
• Seamless Funds Dispersement
• Robust Reporting

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The best 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 solution, FinFi, has everything you need to start offering affordable financing options to your clients.

Learn More

Questions? We have answers.

What is the difference between Buy Now Pay Later (BNPL) and point of sale financing?
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Buy Now Pay Later refers to a payment option allowing consumers to pay off a purchase over a short time period without traditional underwriting. Often BNPL plans are available for smaller dollar purchases and only use a soft credit pull to verify a consumer’s credit quality and identity.

The term point of sale financing applies to larger-dollar purchases paid off over a longer period of time and requires traditional consumer underwriting and hard credit checks. Financing can be as high as $100,000 with terms over 10 years.

Who uses FinMkt's BNPL/point of sale financing solution?
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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 BNPL/point of sale financing or industry veterans.

What types of BNPL/point of sale financing products does FinMkt's platform support?
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FinMkt’s platform is product agnostic. Our 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 BNPL 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 technology enables BNPL and 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 solution, merchants increase sales by providing more customers with 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 BNPL/point of sale 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 BNPL/point of sale financing strategy? FinMkt can help every step of the way.

As consumer demand for 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 BNPL/point of sale solutions.

Want to learn more about FinMkt's BNPL and point of sale financing solutions?

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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