Everything you need to know about LendPro.

LendPro is a multi-lender embedded finance platform that helps retailers offer financing through a single customer application. Instead of waiting until checkout or sending shoppers to separate lenders, LendPro enables Embedded Pre-Qualification earlier in the buying journey using a soft credit pull — so customers can check their buying power with no credit score impact.

LendPro is not a lender. It is the technology layer that connects retailers to multiple lending options while allowing the retailer to control the financing flow.

No. LendPro is not a lender. LendPro is a technology platform that connects retailers, customers, and multiple lenders through one embedded financing experience. LendPro handles the routing, the application experience, and the waterfall logic. The lenders make the credit decisions.

Embedded Pre-Qualification allows retailers to present financing options earlier in the customer journey — including product pages, shopping carts, sales conversations, kiosks, and checkout — so customers understand their buying power at the moment of intent.

LendPro's Embedded Pre-Qual uses a soft credit pull that does not affect the customer's credit score, removing one of the most common hesitation points in the financing journey.

No. LendPro's Embedded Pre-Qual uses a soft credit pull, which has no impact on the customer's credit score. Shoppers can check their buying power earlier in the journey — on a product page, in a showroom, or at a kiosk — without any concern about harming their credit.

A hard inquiry only occurs if the customer accepts a financing offer and chooses to move forward with a lender.

Yes. LendPro supports in-store, online, kiosk, cart, and embedded shopping experiences so financing can be presented wherever the customer is making a purchase decision.

When customers see financing possibilities earlier in the shopping process, retailers benefit in three ways: shoppers engage more confidently knowing a payment path exists, drop-off caused by surprise financing steps at checkout is reduced, and there is a stronger opportunity to convert browsing intent into a completed purchase.

Because LendPro's pre-qual uses a soft pull, customers are more willing to check early — removing hesitation that would otherwise delay or prevent a sale.

LendPro helps increase conversion by reducing financing friction. Customers apply once using a soft credit pull, see financing opportunities earlier in the journey, and can be routed across multiple lenders without restarting the application process.

Presenting buying power before checkout reduces drop-off and gives retailers a stronger opportunity to turn intent into a completed sale.

Industry data on embedded financing shows substantial lifts. Affirm publicly reported a 26% increase in cart conversion, a 22% lift in approvals, and a 20% increase in sales for early-access merchants — using a single-lender model.

LendPro's multi-lender waterfall is structurally designed to outperform single-lender benchmarks because it captures customers across the full credit spectrum. Actual results vary by industry, integration, and traffic volume.

LendPro provides the financing layer needed for real-time commerce experiences. As shopping becomes more automated and AI-assisted, LendPro helps make customer buying power available at the moment products are being considered — embedded directly in the journey rather than deferred to a separate checkout step.

A retailer-controlled waterfall allows the retailer to decide the order in which lenders evaluate applications. This gives retailers more control over lender priority, customer experience, and financing strategy — rather than having lender order determined by a third party.

With LendPro, the application continues through additional lenders in the waterfall. If a Primary lender does not approve the customer, the application automatically cascades to Near Prime lenders, and then to Sub Prime lenders.

This helps reduce lost sales by giving the customer more than one opportunity to receive a financing option — all through a single application.

Single-lender BNPL platforms like Affirm and Klarna approve a narrow band of customers — typically prime credit. LendPro is a true multi-lender waterfall that routes each application across three credit tiers: Primary, Near Prime, and Sub Prime.

The result is more approvals across the full credit spectrum — not just prime customers. For retailers, that means recovering sales that single-lender BNPL would simply lose.

BNPL is typically a single financing option. LendPro allows a customer to be considered across multiple lenders through one application, helping retailers capture customers who may not qualify for one BNPL provider alone.

LendPro can also work alongside existing BNPL providers and place them inside a broader multi-lender waterfall — keeping existing financing relationships while expanding approval coverage.

No. LendPro can work alongside BNPL providers and place them inside a broader multi-lender waterfall. This helps retailers keep existing financing relationships while expanding approval coverage to customers who may not qualify for a single BNPL option.

LendPro gives retailers control over the financing experience, lender order, and customer flow. Many financing marketplaces control the customer experience themselves instead of giving that control to the retailer. With LendPro, the retailer owns the waterfall configuration and the customer relationship.

Launch timing depends on platform and POS configuration. LendPro offers a flexible integration path across major e-commerce and point-of-sale systems — typically launched within a few weeks. Smaller businesses with simpler setups can often go live faster. Larger enterprises with custom POS integration may take longer depending on scope.

Both. LendPro serves single-location retailers, multi-location chains, and large enterprise retailers. The platform scales from a few transactions per month to nationwide volumes.

LendPro powers consumer financing across home furnishings, mattresses, appliances, HVAC, home improvement, medical and dental practices, mobile and personal electronics, automotive service, and jewelry retail — with industry-specific lender mix and routing optimized for each vertical.