Put the financing power of multiple lenders in the hands of your customers.
LendPro’s online application enables consumers to apply for financing from multiple lenders on an easy, private, and secure platform.
As a retailer, merchant, or health-care practice, the LendPro system will help your business process more applicants, obtain more approvals, and achieve more sales.
Across industries, businesses that use LendPro for consumer financing see, on average:
- a 35% increase in the number of applicants, and
- a 30% increase in the overall number of approved applicants.
Explore the features of the comprehensive LendPro Consumer Financing System and how it can transform your business.
Easy
LendPro’s Consumer Financing System:
- makes offering financing easier for retailers, merchants, and health-care practices;
- makes applying for financing easier for consumers and patients; and
- gives customers and patients more financing options.
With its user-friendly interface, your staff, customers, and patients can use LendPro immediately. The software’s intuitive design requires only minimal training of sales staff.
Flexible
The LendPro software is platform independent and works on any device, including:
- LendPro’s line of kiosks,
- tablets,
- all standard point-of-sale devices,
- touch-screen computers, and
- customers’ own smartphones or tablets.
Use LendPro on any device or computer in your stores or offices.
Insightful
In addition to the consumer finance waterfall, LendPro software also provides you, the business owner, with a real-time dashboard of all financing activity.
Reports will include lender performance separated by location and summarized by region or other retail grouping, along with data on all stores or offices.
Leverage the reporting features to export applicants’ data into a customer relationship management or point-of-sale system.
Supported
LendPro brings a powerful network of lenders to its system and can tailor them to meet your business’s needs. We give businesses the ability to offer the best in consumer financing through our broad array of lending partners.
We also aim for a strong relationship with you: Our customer service team gets to know you and your business needs to offer customized and expedient support.
Secure
The LendPro system is fully secure in accordance with industry standards. Customer data is protected, and your customers can use the system with confidence, trusting that their information is protected and will not be sold for other uses.
All accepted data is encrypted before transmission to lenders, and all data is stored in LendPro’s SOC-2 protected data center.
Effective
Retailers that use the LendPro Consumer Financing System see an increase in revenues, often up to 10%.
LendPro has partnered with industry-leading consumer finance companies that cover the entire spectrum of consumer credit profiles: prime, near-prime, and sub-prime, including no-credit-needed offerings.
After deploying the LendPro system, even retailers who already have a full portfolio of lenders see their financing increase because of the system’s frictionless process.
Adaptable
Upon request, we can integrate the LendPro system with your point-of-sale or back-office system. Ask about our integration services.
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.
Sources: RBC Capital Markets · PartnerCentric 2025 · UCFS 2025 · McKinsey POS Financing Survey
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.
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.
What happens when a customer gets declined
This is the moment that determines whether a sale is recovered or permanently lost.
- 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
- 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.
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.
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.
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.
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.
Things retailers ask before they get started
We already offer financing through one lender. Isn't that enough?
Our customers have good credit — do we really need sub-prime options?
Won't offering financing to challenged credit customers hurt my brand?
Is the pre-qualification process complicated for our staff?
How does the soft pull pre-qualification actually work?
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.
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.
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.
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 →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.
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.
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.
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.
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.