Solutions
Why Offer Financing

Your customers want to buy.
Financing is why they do.

52% of Americans now use BNPL. 60% plan to use point-of-sale financing in the next 12 months. Retailers who don't offer financing — or who offer too little — are handing those sales to competitors who do.

20–30%
higher conversion rate when financing is offered at point of sale
30–50%
larger average ticket size on financed vs. non-financed sales
$442B
projected U.S. BNPL transaction value by 2027, up from $316B in 2023

Sources: RBC Capital Markets · PartnerCentric 2025 · UCFS 2025 · McKinsey POS Financing Survey

The Business Case

What retailers who don't offer financing give up every day

These aren't projections. They're the actual numbers from the retail financing market in 2025.

52%
of Americans now use BNPL
That's more than half your customer base expecting a flexible payment option before they decide where to shop.
PartnerCentric 2025
60%
of consumers plan to use POS financing in the next 6–12 months
Not a niche preference. A mainstream expectation that retailers without financing can't meet.
McKinsey POS Financing Survey
100M+
Americans have less-than-prime credit scores
Single-lender prime financing leaves every one of them unserved. A multi-lender waterfall reaches all of them.
Consumer Financial Protection Bureau
25–33%
higher average sales ticket on financed transactions
Customers who finance choose what they actually want. Customers who can't finance choose what they can afford right now.
LendPro Retailer Data
Four Ways Financing Grows Your Business

More customers. More applications.
More approvals. More sales.

Every step of the customer journey gets better when financing is embedded early — and available to everyone.

1
🧲
More Customers Walk Through Your Door
Customers research financing options before they visit a store. When your business shows up with clear, accessible financing — including options for challenged credit — you attract shoppers who have already decided they can buy. Customers pre-qualified through LendPro arrive with confidence, not hesitation.
77%
of consumers say financing influences where they shop
2
📋
More Customers Apply — Without the Fear
The number one barrier to financing applications isn't credit. It's fear of the credit check. LendPro's soft-pull pre-qualification removes that barrier entirely. Customers check their buying power on your product page with zero impact to their credit score — before they ever reach checkout. When applying costs nothing, more people apply.
62%
increase in financing applications reported by LendPro retailers
3
✅
More Applicants Get Approved
A single lender means a single credit model. Anyone who doesn't fit gets declined — and the sale is gone. LendPro's three-tier waterfall automatically cascades every declined application to Near Prime lenders, then to Sub Prime and No Credit Needed options. One application. Every customer gets their best available outcome.
80%+
approval rate achieved by LendPro retailers across all credit tiers
4
📈
More Sales — and Bigger Ones
Financing converts hesitation into commitment. It also converts "I'll get the smaller one" into "I'll get the one I actually want." RBC Capital Markets research confirms financed transactions produce 30–50% higher average ticket sizes. And with a Near Prime secondary lender ahead of lease-to-own, LendPro retailers see a $400 higher average ticket versus sub-prime only.
+$400
higher average ticket when near-prime sits ahead of lease-to-own in the waterfall
Single Lender vs. Multi-Lender Waterfall

What happens when a customer gets declined

This is the moment that determines whether a sale is recovered or permanently lost.

❌ Without LendPro
One lender. One chance. One outcome.
  • 1Customer applies with your single financing provider
  • 2Lender declines — outside their credit criteria
  • 3Staff awkwardly delivers the bad news
  • 4Customer is embarrassed. Trust is damaged.
  • 5Customer leaves without the purchase
  • 6Sale is lost — permanently
✅ With LendPro
One application. Every tier. Best available outcome.
  • 1Customer pre-qualifies on the product page — soft pull, no score impact
  • 2Primary lender evaluates — approved here if they qualify
  • 3If declined, LendPro automatically routes to Near Prime lenders
  • 4If still declined, routes to Sub Prime and No Credit Needed options
  • 5Customer receives their best available financing outcome
  • 6Sale is completed. Customer leaves satisfied.
All Credit Tiers — Including No Credit Needed

Every customer in your store deserves a path to yes

LendPro's waterfall covers every credit profile through one application. No customer is left without an option.

Tier 1 · Prime
700+ Credit Score
Institutional installment loans at best-available rates. Traditional retail credit programs including major bank partners.
✓ Covered by LendPro Tier 1
Tier 2 · Near Prime
580–699 Credit Score
Second-look installment financing for customers with limited history, past delinquencies, or recovering credit. Often preferred over lease-to-own.
✓ Covered by LendPro Tier 2
Tier 3 · Sub Prime
Below 580
Lease-to-own and sub-prime installment options. Customers who don't qualify for traditional credit still have a path to purchase.
✓ Covered by LendPro Tier 3
No Credit Needed
No Score Required
Lease-to-own programs that evaluate customers on income and identity rather than credit history. No one gets turned away without an option.
✓ Covered by LendPro Tier 3

The financing market isn't coming.
It's already here.

Consumers have already shifted. They expect financing before they walk in. They research payment options at home. They pre-qualify on their phone during their lunch break. The retailers capturing this demand are the ones who make it easy — at every step of the journey.

$442B
projected U.S. BNPL transaction value by 2027
UCFS 2025
52%
of Americans now use BNPL loans
PartnerCentric 2025
60%
of consumers likely to use POS financing in next 6–12 months
McKinsey POS Financing Survey
The LendPro System

One platform. Every customer. Zero extra portals.

LendPro is not a lender. It's the technology layer that connects your business to 25+ lenders across all credit tiers — through one embedded application your customers complete once.

⚡
25+
Approved Lenders
Prime, Near Prime, Sub Prime, and No Credit Needed — all accessible through one application, routed automatically.
🔒
Soft
Pull Pre-Qualification
Customers check buying power on your product page. Zero credit score impact. More applicants because applying costs them nothing.
🎛️
1
Application. All Tiers.
Customer applies once. LendPro routes across all lender tiers automatically. No re-applications. No separate portals. No lost sales.
Industries We Serve

Built for retailers where financing changes outcomes

LendPro works in any high-consideration retail category where purchase decisions take time and customer credit profiles vary.

🛋️
Home Furnishings & Renovation
High-ticket decisions where financing is the deciding factor. Pre-qual on product pages converts online browsers into in-store buyers.
🦷
Medical & Dental
Patients defer necessary treatment because of cost. Presenting financing options before the treatment plan increases same-day acceptance rates.
💍
Jewelry
Emotionally driven purchases where customers want the right piece, not a compromise. Financing lets them choose with their heart, not their bank account.
🔧
Automotive Service
Customers defer repairs they can't pay for upfront — putting safety at risk. Soft-pull pre-qual at the service desk converts deferred jobs into same-day work orders.
🏠
Home Improvement
HVAC, roofing, windows, and flooring are needs, not wants. Financing bridges the gap between the quote and the yes — across all credit profiles.
📱
Electronics & Mobile
Fast-moving, high-consideration purchases where younger, credit-thin customers need options beyond traditional prime credit products.
Common Questions

Things retailers ask before they get started

We already offer financing through one lender. Isn't that enough?
A single lender only approves the customers who fit its credit model. Everyone else — near-prime, sub-prime, no credit — is declined, and that sale is lost. The question isn't whether one lender is better than none. It's how many sales you're losing to customers your lender can't approve. LendPro adds near-prime and sub-prime tiers around your existing lender so every declined application has somewhere to go.
Our customers have good credit — do we really need sub-prime options?
Over 100 million Americans have less-than-prime credit scores. Even in premium retail categories, a meaningful percentage of your customers fall outside prime approval criteria. More importantly: offering sub-prime options costs you nothing on the customers who get approved at prime. The waterfall only routes to sub-prime when all prime and near-prime options have been exhausted. You don't lose a prime customer by having sub-prime available — you only gain the customers you would have otherwise turned away.
Won't offering financing to challenged credit customers hurt my brand?
The customer experience is the same regardless of which tier approves them. The customer applies once through LendPro's clean, modern embedded pre-qual. They receive a financing outcome in seconds. They never know which specific lender approved them or which tier they landed in. What they experience is: your business said yes when others said no. That builds brand loyalty, not the opposite.
Is the pre-qualification process complicated for our staff?
LendPro reduces staff workload, not the opposite. Instead of managing multiple lender portals, separate application processes for different tiers, and manual second-look submissions, staff work from one platform. Customers can also self-serve through embedded pre-qual on product pages or kiosks before they ever speak to a salesperson. Staff spend less time on financing paperwork and more time selling.
How does the soft pull pre-qualification actually work?
A soft credit pull retrieves a customer's credit information without creating a record on their credit report and without affecting their credit score. It happens in seconds. The customer sees an estimated financing range — monthly payment options, approval amounts — with no commitment and no impact to their credit. Only when a customer accepts a financing offer and proceeds to formal application does a hard inquiry occur. LendPro's pre-qual uses a soft pull exclusively, which is why more customers apply: the risk of checking is zero.
Embedded Pre-Qualification

Show customers what they can afford before they reach checkout

The biggest financing mistake retailers make is waiting until the register to introduce it. LendPro moves pre-qualification to the earliest moment of intent — the product page, the sales floor, the kiosk.

❌ Old Way
Browse
→
Select item
→
Checkout
→
Financing introduced here
→
Declined or abandoned
✅ LendPro Way
Pre-qual on product page
→
Knows buying power
→
Selects confidently
→
Checkout
→
Sale complete
🔍

Soft Pull — Zero Credit Score Impact

LendPro's pre-qualification uses a soft credit inquiry. The customer's credit score is not affected. No hard inquiry happens until a customer formally accepts a financing offer. This removes the single biggest reason customers hesitate to apply — fear of damaging their credit — and dramatically increases application rates.

⚡

Decisions in Seconds — Not Days

LendPro returns pre-qualification results in seconds. A customer browsing a $1,200 sofa on your product page sees "$89/month" or "$58/week" in real time — before they've even thought about adding it to a cart. That moment of clarity converts browsers into buyers. Uncertainty converts them into bouncers.

📍

Embedded Everywhere — Product Pages, Kiosks, Sales Floor

LendPro's pre-qual embed works wherever your customers are making decisions: on product pages, in your e-commerce cart, at a self-service kiosk, on a tablet in your sales associate's hand, or on a QR code customers scan from a product tag. One integration. Every touchpoint.

Setup & Installation

Live in days. No IT team required.

Most retailers go from demo to live waterfall in under a week. LendPro handles configuration. Your team handles one login. That's it.

01

Schedule a Demo — 30 Minutes

We walk through your business, your customer credit mix, and your current financing setup. We identify the right lender configuration for your vertical and volume — before you commit to anything.

Book a Demo →
02

LendPro Configures Your Waterfall

The LendPro team sets up your retailer-controlled lender waterfall — Prime, Near Prime, Sub Prime, and No Credit Needed tiers — in the order that fits your business. You control the sequence. We handle the setup.

03

Embed Pre-Qual on Your Product Pages

A lightweight embed code goes on your product pages, cart, or any digital touchpoint. No IT department. No months-long integration project. Most retailers are live within days of signing. Kiosk and in-store options deploy the same week.

04

One Platform. Every Lender. Zero Extra Portals.

Your staff learn one system. LendPro replaces the stack of separate lender portals — Snap Finance login, AFF dealer portal, Fortiva merchant portal, Synchrony retailer account — with a single dashboard. All routing happens automatically in the background. Staff focus on selling.

05

Day One: Recover Sales You Were Losing

From the moment you go live, every declined prime application cascades to near-prime, then to sub-prime and no-credit-needed options automatically. Sales that used to walk out the door now complete. The waterfall works while your team sells.

✓No IT team or developer required
✓Most retailers live in under a week
✓Works in-store, online, and on kiosks
✓One login replaces all lender portals
✓Dedicated onboarding support included

Stop losing sales
you should be closing.

See how LendPro's multi-lender waterfall — with embedded pre-qual and all credit tiers — changes what's possible for your business.

Schedule a Demo → Find Your Solution
Next Step
Why LendPro?
The fastest, easiest, and most powerful way to offer consumer financing. See how the platform works.
Learn More →
The Platform
The LendPro System
Discover LendPro's Lending-as-a-Service retail financing solution — waterfall, pre-qual, and lender management in one place.
Learn More →
Questions?
Frequently Asked Questions
Everything retailers ask about LendPro — from setup and lender coverage to approval rates and integration.
View FAQs →
Sources: RBC Capital Markets — POS financing conversion and AOV lift data · PartnerCentric, 2025 — 52% of Americans use BNPL · McKinsey POS Financing Consumer Survey — 60% of consumers likely to use POS financing in next 6–12 months · UCFS, 2025 — U.S. BNPL transaction value projections ($316B–$442.6B, 2023–2027) · LendPro Retailer Data — 62% application increase, 80%+ approval rate, $400 higher average ticket with near-prime tier · Consumer Financial Protection Bureau — 100M+ Americans with less-than-prime credit scores
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.

Schedule a Demo → Find Your Solution
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 →

Kiosks & Devices

Bring the power of LendPro to your business.
Learn More

Why LendPro?

The fastest, easiest, and most powerful way to offer consumer financing.
Learn More