The LendPro System

One application.
Every customer.
Every credit tier.

LendPro's Consumer Financing System connects retailers to 25+ approved lenders across Prime, Near Prime, Sub Prime, and No Credit Needed — automatically, in seconds, through a single embedded application.

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Customer Application
One soft-pull application — no score impact
Tier 1
Prime — Institutional Lenders
Best Rate
Tier 2
Near Prime — Second Look
Auto-route
Tier 3
Sub Prime — Installment
Auto-route
Tier 3+
No Credit Needed — Lease-to-Own
Auto-route
End-to-End Flow

From product page to completed sale

LendPro works at every step — from the moment a customer discovers your product to the moment they walk out with it.

1
Customer sees pre-qual on product page
Soft pull. No score impact. Sees buying power in seconds — before checkout.
2
Submits one application
One form. No separate applications per lender. Clean, mobile-optimized experience.
3
Waterfall routes automatically
LendPro cascades through lender tiers in the retailer's configured order — silently, in seconds.
4
Customer receives best available offer
Prime, near-prime, sub-prime, or no-credit-needed — whatever fits their profile.
5
Sale completes. Portal logs everything.
Performance Portal captures lender outcomes, approval rates, and associate activity in real time.
Component One

Embedded Pre-Qualification

Most financing is introduced at checkout — the worst possible moment. By then, a customer who is uncertain about approval has already decided to buy something smaller, or nothing at all. LendPro's Embedded Pre-Qual moves financing discovery to the product page, where customers can check their buying power in seconds using a soft credit pull that has zero impact on their credit score.

  • Place pre-qual on product pages, carts, kiosks, Facebook pages, and any web-based channel
  • Soft credit pull — no score impact, no hard inquiry until customer accepts an offer
  • Results returned in seconds — monthly and weekly payment options displayed instantly
  • Customers pre-qualify from home before visiting your store
  • Works for both no-credit-needed and light-credit-check configurations
  • Lightweight embed code — no IT team or developer required
62%
increase in financing applications reported by LendPro retailers
Product Page — Live Embed
Monaghan Sectional Sofa · Gray
$1,128.88
Starting at $70/mo · or $48/wk Check your options — no credit score impact
See if You Pre-Qualify
Soft pull only — won't affect your credit score
Also works on:
🛍 E-commerce Cart 📱 Kiosk 👤 Sales Tablet 📘 Facebook Page 🔗 Direct Link
Application Waterfall — Retailer Configured

Customer submits one application. LendPro routes automatically through each tier until a financing outcome is reached.

1
Prime — Institutional Lenders
Best rates · 700+ credit · e.g. US Bank Avvance, Synchrony
Best Rate
2
Near Prime — Second Look
580–699 credit · e.g. Fortiva, Concora, Vernance
Auto-route
3
Sub Prime — Installment
Below 580 · e.g. American First Finance
Auto-route
3+
No Credit Needed — Lease-to-Own
Income-based · e.g. Snap Finance, ACIMA, Progressive Leasing, Koalafi, Katapult, Kafene
Auto-route
✓ Customer receives best available financing outcome
Component Two

Application Waterfall

A single-lender setup gives every customer one chance to be approved. If they don't fit that lender's model, the sale is lost. LendPro's Application Waterfall gives every customer multiple chances — automatically routing declined applications through Near Prime, Sub Prime, and No Credit Needed tiers without any reapplication or manual intervention from your staff.

  • Customer applies once — LendPro routes across all lender tiers automatically
  • Retailer controls lender order — your waterfall, your strategy
  • New lenders can be added at no cost with no disruption to the sales process
  • Replaces separate portals for Snap Finance, Progressive Leasing, ACIMA, Koalafi, Katapult, Kafene, AFF, Fortiva, Concora, Synchrony, Wells Fargo, and more
  • Decisions returned in seconds — customer never waits
  • Works for all credit tiers including No Credit Needed
80%+
approval rate achieved across all credit tiers by LendPro retailers
Component Three

Financing Performance Portal

You can't improve what you can't measure. LendPro's Financing Performance Portal gives every level of your organization the data they need — role-based, password-protected, and real-time. Sales associates see their activity. Store managers see store-level lender performance. Regional managers see across locations. Executives see the enterprise.

  • Role-based access — each user sees only what's relevant to their role
  • Track approval rates, application volumes, and lender performance by store
  • Monitor sales associate financing activity and conversion rates
  • Identify underperforming lenders and optimize the waterfall
  • Full financing history and audit trail
  • Enterprise-level reporting across multiple locations
25%–33%
higher average ticket on financed vs. non-financed sales — trackable in the portal
Financing Performance Portal
Store View
Lenders
Associates
Enterprise
84%
Approval rate this month
$1,247
Average financed ticket
142
Applications this month
+31%
vs. prior month
Tier 1 — Prime67%
Tier 2 — Near Prime18%
Tier 3 — Sub Prime / NoCN15%
Role-Based Performance Visibility

Every level of your organization gets the data they need

LendPro's Performance Portal is role-restricted. Each user sees exactly what their role requires — nothing more, nothing less.

🧑‍💼
Sales Associates
  • Their own application submissions
  • Approval outcomes by application
  • Personal conversion metrics
  • Customer financing status
🏪
Store Managers
  • Store-level approval rates
  • Lender performance by tier
  • All associate activity for the location
  • Application volume and trends
  • Average ticket by lender tier
📊
Regional & Executive
  • Cross-location performance comparison
  • Enterprise-wide approval and volume data
  • Lender optimization opportunities
  • Regional and national trend reporting
  • Full financing history and audit trail
Integration & Scale

Connects to your existing systems. Scales with your business.

LendPro works as a standalone platform or integrates directly with your POS and back-office systems for a unified sales and financing view.

🔗
POS & Back-Office Integration

LendPro offers customization services to integrate the financing system with your point-of-sale or back-office platform. The integration creates a single unified view of sales and financing data — no toggling between separate systems, no manual data reconciliation.

Unified Sales + Financing Data Single Platform Custom Integration Available Managed by LendPro Team
🏢
Multi-Location & Enterprise Ready

LendPro supports retailers with one location and retailers with hundreds. Role-based access, location-level configuration, regional reporting, and enterprise dashboards are built into the platform. New locations are added without disruption to existing setups.

Single Location Regional Chains Enterprise Retailers Location-Level Config
System Questions

How the system works — answered directly

What are the three core components of the LendPro system?
LendPro's Consumer Financing System has three core components. First, Embedded Pre-Qualification — a soft-pull financing check placed on product pages, kiosks, and digital touchpoints so customers can see their buying power before checkout. Second, the Application Waterfall — a retailer-controlled routing system that automatically cascades a single customer application through Prime, Near Prime, Sub Prime, and No Credit Needed lender tiers. Third, the Financing Performance Portal — a role-based reporting dashboard giving every level of the organization visibility into lender performance, approval rates, and sales associate activity.
How does LendPro replace all the separate lender portals my staff currently uses?
Without LendPro, retailers managing multiple lenders log into separate portals for each one — the Snap Finance merchant portal, Progressive Leasing's ProgCentral, ACIMA retailer portal, Fortiva merchant login, Synchrony retailer account, and others. LendPro consolidates all of these into one platform. Staff see one login, one dashboard, one application flow. LendPro routes applications to the appropriate lender in the background — staff never need to switch systems or manually re-submit to a second-look portal.
Can the retailer control which lenders appear and in what order?
Yes. LendPro's waterfall is fully retailer-controlled. Retailers configure which lenders appear in each tier and the exact sequence in which applications are routed. This is called a retailer-controlled waterfall — LendPro manages the routing technology, but the retailer determines the strategy. Lenders can be reordered or added at any time without disrupting the sales process or requiring any customer-facing changes.
Does LendPro work without an e-commerce store?
Yes. LendPro works entirely in-store through kiosks, tablets held by sales associates, and POS-integrated devices. No website or e-commerce platform is required. For retailers who do have a website, LendPro also provides an embed code for product pages, a standalone pre-qualification link, and Facebook page integration — so customers can pre-qualify from home before visiting the store.
How long does it take to get LendPro set up and running?
Most retailers go live with LendPro in under a week. The process starts with a demo where LendPro's team configures the lender waterfall and provides an embed code for product pages. No IT team or developer is required. In-store kiosk and tablet options deploy on the same timeline. Staff training covers one platform — not multiple lender portals — which significantly reduces onboarding time.
What happens when a customer is declined by every lender in the waterfall?
LendPro's Tier 3 includes No Credit Needed lease-to-own lenders who evaluate customers based on income and identity rather than credit history. This means that in the vast majority of cases, every customer who applies has at least one path to a financing outcome. Retailers using the full three-tier waterfall — including No Credit Needed options — achieve approval rates of 80% or higher across their customer base.

See the system working for your business.

A 30-minute demo shows you how LendPro's waterfall, pre-qual, and portal would be configured for your specific vertical and customer mix.

Schedule a Demo → Why Offer Financing?
The Case for Financing
Why Offer Financing?
52% of Americans use BNPL. 60% plan to use POS financing in the next 12 months. See the data behind why financing changes outcomes.
Read More →
Hardware
Kiosks & Devices
Bring LendPro's full financing system to your sales floor. Kiosks, tablets, and in-store devices that work standalone or alongside staff.
Learn More →
More Questions?
Frequently Asked Questions
Detailed answers on lender coverage, approval rates, setup process, and how LendPro integrates with your existing systems.
View FAQs →