LendPro is not a lender; lenders make all credit decisions and set all terms.
Key takeaways
- B3 Cloud Commerce provides the ecommerce storefront, and LendPro provides the multi-lender financing platform.
- Shoppers submit one application to access the financing providers configured for that merchant, subject to provider availability and eligibility.
- The supported product-page, checkout and merchant workflows depend on the integration, so LendPro demonstrates them for each business.
- Website launch timing is separate from financing activation and lender onboarding.
What does B3 Cloud Commerce provide?
B3 brings together the storefront, product information, checkout, and supporting commerce tools. Retailers can present their merchandise and give shoppers a financing entry point within the shopping journey.
What does LendPro provide?
LendPro supplies the multi-lender financing platform. Shoppers submit one application to access the financing providers configured for that merchant, subject to provider availability and eligibility requirements.
LendPro's network includes 18+ lenders and 25+ lending programs. The providers available to a specific merchant depend on that merchant's configuration, channel and lender agreements.
Why does the partnership matter?
For larger purchases, financing can influence the decision before checkout. Connecting financing with the storefront gives shoppers a way to explore their options while considering a product, and gives retailers a more connected path from browsing to application and purchase.
We will walk through your lenders, tiers and entry points in a live demo.
How does a shopper move from the storefront to financing?
- Apply. The shopper completes one application on LendPro's secure application page.
- Review. The application goes to the financing providers configured for that merchant. Where the provider supports pre-qualification, it uses a soft pull and won't affect credit scores.
- Choose. The shopper sees the offers they pre-qualify for and selects one.
- Finish with the provider. The shopper completes that provider's full application and accepts the provider's terms. The provider makes the final credit decision.
- Buy. The purchase is completed with the retailer.
Pre-qualification is not approval, and an approval is not a completed sale. A lender may run a hard inquiry if the shopper accepts an offer.
Which B3 workflows does LendPro support?
Ask our team to demonstrate the supported product-page, checkout, and merchant workflows for your business. Which capabilities are live in a specific integration, optional, or planned is confirmed for each retailer.
Configure financing for each sales channel. Online and in-store lender availability, application requirements, and results may differ. LendPro works with the retailer to establish the appropriate configuration for each channel.
How does AudienceActivator.ai relate to B3 and LendPro?
AudienceActivator.ai is a separate business from B3 Cloud Commerce and from LendPro. On October 15, 2025, B3, AudienceActivator.ai and LendPro announced an integrated AI ecommerce platform linking ecommerce, marketing automation and embedded pre-qualification. Read the announcement, and ask your B3 or LendPro contact which parts apply to your business.
Bring your current lenders. We will show how LendPro would be configured for your stores.
How do B3 retailers get started?
- Book a demonstration. Explore B3 and LendPro with our team.
- Choose your financing providers. LendPro configures the financing flow for each location and channel based on the lenders assigned and their program requirements.
- Plan the launch. Website launch timing is separate from financing activation and lender onboarding. LendPro confirms the start date and prerequisites during onboarding.
LendPro is not a lender. Financing availability and terms vary by merchant, provider, channel, and applicant. Lease-to-own is a rental-purchase agreement, not a loan. Total cost is higher than the cash price.
Frequently asked questions
Does LendPro work with B3 Cloud Commerce?
Yes. B3 Cloud Commerce and LendPro are partners: B3 provides the ecommerce storefront and LendPro supplies the multi-lender financing platform. Ask LendPro to demonstrate the supported workflows for your business.
How many lenders can a B3 retailer use?
LendPro's network includes 18+ lenders and 25+ lending programs. The providers available to a specific merchant depend on its configuration, channel and lender agreements.
Does applying through a B3 storefront affect a shopper's credit?
Where the provider supports pre-qualification, it uses a soft pull and won't affect credit scores. A lender may run a hard inquiry if the shopper accepts an offer.
Is approval guaranteed?
No. Pre-qualification is not approval. Each provider sets its own eligibility and makes the final credit decision.
Is B3 Cloud Commerce or LendPro a lender?
No. B3 Cloud Commerce provides ecommerce software and LendPro provides financing software. Lenders make all credit decisions and set all terms.