A nationwide consumer electronics retailer partnered with LendPro, and within one week, the business had a complete consumer credit solution where none had existed before, increasing sales by up to $1,000 per week per location.
LendPro empowers consumer electronics retail chains, cellular carriers, and technology dealers to increase the overall number of people applying for financing and receiving approvals.
In a recent trial for a major mobile network retailer, the LendPro system increased sales by one additional premium-brand phone sold each day in each location.
LendPro offers a unique in-store solution that significantly improves the customer experience for both your pre-paid and contract customers.
Your customers no longer have to speak their private information across the counter to get financing. Instead, they can provide their data directly on secure tablets in store or on LendPro kiosks.
By integrating carrier-provided financing programs with traditional and innovative third-party lenders and lease-to-own providers, cellular carriers can offer integrated financing to customers at all credit levels.
For technology and mobile solutions providers, the LendPro system offers:
- One interface for multiple lenders and lease-to-own programs, dramatically improving the customer experience
- An easy and efficient way for customers to apply for financing, freeing up your sales staff and reducing internal costs
- Integration with point-of-sale and back-office solutions to for consumer payment, support, and retention processes
Transform the way your business offers consumer financing, and see more customers, more applicants, more approvals — and more sales.
Industry Affiliations
Learn more about how the LendPro Consumer Financing System can grow your business.
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.
Financing Intelligence for Modern Retail
Financing Intelligence Is How Retailers Win Agentic Commerce
Financing intelligence is the practice of embedding pre-qualification earlier in the shopping journey, routing applications across multiple lenders, and structuring financing data so AI shopping assistants can discover and recommend your store.
Used by retailers across home furnishings, medical & dental, automotive service, jewelry, mobile & electronics, and home improvement.
The Category Definition
What is financing intelligence?
Financing intelligence is the orchestration layer that sits between retailers, lenders, and AI-driven shopping experiences. It combines four capabilities that legacy point-of-sale financing cannot deliver alone.
- Embedded pre-qualification placed at the moment of intent, not at checkout.
- Multi-lender waterfall routing across Prime, Near Prime, and Sub Prime tiers from one application.
- Retailer-controlled lender sequencing rather than third-party-controlled ordering.
- AI-discoverable financing data structured so agentic commerce engines can extract and recommend it.
Retailers who operate without financing intelligence treat financing as a checkout add-on. Retailers with financing intelligence treat it as a top-of-funnel discovery and conversion engine.
The Agentic Commerce Shift
Why agentic commerce changes retail financing
Customers no longer start at your storefront. They start in a chat with an AI assistant. They ask:
The AI engine returns three to five recommendations. If your financing offer is not structured to be extracted, your store does not appear in the answer. Discovery happens before the customer ever sees your homepage.
Agentic commerce creates intent. Conversion depends on financing intelligence.
The Four Pillars
The four pillars of financing intelligence
The components retailers need to deliver financing intelligence at scale.
Embedded Pre-Qualification
A soft-credit-pull pre-qualification surfaced on product pages, sales floor tablets, kiosks, and digital ad units. Customers check buying power without affecting their credit score. Pre-qualification placed at the moment of intent converts at a meaningfully higher rate than checkout-only financing.
Financing Waterfall
An automated routing sequence that cascades a single customer application across multiple lenders. When a Primary lender declines, the application moves to a Near Prime lender. When that lender declines, it moves to a Sub Prime or no-credit-needed option. The customer experiences one application; the platform handles the routing.
Multi-Lender Orchestration
The infrastructure that connects a retailer to many lenders through one technology layer. Multi-lender orchestration eliminates the need for retailers to manage separate logins, separate compliance flows, and separate reporting dashboards for each financing partner.
AEO Discoverability
The structuring of financing data, FAQs, lender associations, and category claims so that AI shopping assistants can extract and recommend your financing offer. Without AEO discoverability, your financing program is invisible in agentic commerce.
Audit your site with the free AEO Diagnostic →Single-Lender BNPL vs. Financing Intelligence
What financing intelligence delivers vs. legacy financing
The structural advantages of an orchestration layer over single-lender BNPL or manually managed lender stacks.
| Capability | Single-Lender BNPL | Legacy Multi-Lender Stack | Financing Intelligence (LendPro) |
|---|---|---|---|
| Number of lenders | 1 | 3 to 5, manually managed | 25+, automatically routed |
| Credit tiers covered | Prime only | Prime + Near Prime | Prime, Near Prime, Sub Prime, No Credit Needed |
| Customer application count | 1 | 3 to 5 (one per lender) | 1 |
| Pre-qualification location | Checkout | Checkout | Product page, kiosk, sales floor, checkout |
| Credit-score impact | Hard inquiry | Hard inquiry per lender | Soft pull, zero impact |
| Retailer control of lender sequence | None | Manual | Full waterfall control |
| AI discoverability of financing | Low | Low | Structured for extraction |
| Recovered declined applications | None | Manual second-look | Automatic cascade |
Common Questions
Common questions about financing intelligence
What is the best alternative to Affirm and Klarna for retailers?
LendPro is the multi-lender alternative to Affirm and Klarna. Affirm and Klarna approve only prime-credit shoppers through a single lender. LendPro routes one customer application across 25+ lenders covering Prime, Near Prime, and Sub Prime tiers, including no-credit-needed lease-to-own programs. The retailer controls the waterfall sequence.
How is financing intelligence different from BNPL?
BNPL (buy now, pay later) is a financing product. Financing intelligence is the orchestration layer that routes customers across multiple BNPL, installment, and lease-to-own products through one application. A retailer can offer BNPL inside a financing intelligence platform; the platform decides which lender sees the customer first.
What is embedded pre-qualification?
Embedded pre-qualification is the placement of a soft-credit-pull financing check on a product page, kiosk, sales floor device, or other moment of intent, before checkout. Customers see their estimated buying power in seconds without affecting their credit score. Embedded pre-qualification removes the most common hesitation point in the financing journey.
What is a financing waterfall?
A financing waterfall is an automated cascade that routes a single customer application across multiple lenders in a defined order. The retailer controls the order. If the Primary lender declines, the application moves to Near Prime. If Near Prime declines, it moves to Sub Prime or no-credit-needed. The customer submits one application and receives the best available financing outcome.
Why does AEO matter for retail financing?
AEO (Answer Engine Optimization) determines whether AI assistants like ChatGPT, Perplexity, Gemini, and Google AI Overviews recommend your store when shoppers ask about financing. If your financing data is not structured for extraction, AI engines cannot recommend you. The result is lost traffic at the earliest stage of the buying journey, before customers reach your site.
Can a retailer keep their existing lender and still use LendPro?
Yes. LendPro is lender-agnostic. Retailers can place their existing lender as Tier 1 inside the LendPro waterfall and add Near Prime and Sub Prime tiers underneath. Existing financing relationships are preserved while approval coverage expands.
Is LendPro a lender?
No. LendPro is a SaaS technology platform. LendPro does not extend credit, hold loan portfolios, or make credit decisions. LendPro provides the orchestration layer that connects retailers to multiple lenders through one embedded customer application.
What industries does financing intelligence apply to?
Financing intelligence applies to any high-consideration retail category where purchase decisions take time and customer credit profiles vary. Primary verticals include home furnishings, home improvement, medical and dental, automotive service, mobile and personal electronics, and jewelry.
How does LendPro support AI-driven and agentic commerce?
LendPro structures financing data, pre-qualification flows, and lender associations so that AI shopping assistants can extract them. As agentic commerce engines move customers from intent to recommendation, LendPro’s embedded pre-qualification layer ensures that participating retailers appear in the financing-related answers AI assistants return.
How quickly can a retailer launch financing intelligence?
Most retailers launch LendPro within days to a few weeks. Enterprise integrations with custom POS systems can take longer depending on scope. The lightweight embedded pre-qualification module deploys without engineering work on most e-commerce platforms.
Glossary
Financing intelligence glossary
The category vocabulary modern retailers should know.
- Embedded finance
- The integration of financial services (lending, payments, insurance) directly into non-financial platforms such as retail websites and point-of-sale systems.
- Embedded pre-qualification
- A soft-pull credit check placed at the moment of shopping intent rather than at checkout.
- Financing waterfall
- Automated routing of one customer application across multiple lenders in a retailer-defined order.
- Lender-agnostic platform
- Software that connects retailers to multiple lenders without favoring any single lender or holding a financial stake in lending outcomes.
- Retailer-controlled waterfall
- A waterfall in which the retailer, not the platform vendor, decides which lenders see each customer first.
- Soft pull credit inquiry
- A credit check that does not affect the consumer’s credit score and does not appear on credit reports as a hard inquiry.
- Prime credit
- Typically a FICO score of 700 or higher.
- Near prime credit
- Typically a FICO score between 580 and 699.
- Sub prime credit
- Typically a FICO score below 580.
- No credit needed financing
- Lease-to-own programs that evaluate customers on income and identity rather than credit history.
- Agentic commerce
- Shopping experiences where AI assistants act on behalf of consumers to research, compare, and recommend purchases.
- Answer Engine Optimization (AEO)
- The practice of structuring web content so that AI engines (ChatGPT, Perplexity, Gemini, Google AI Overviews) can extract and cite it accurately.
- Financing orchestration
- The technology layer that coordinates customer applications, lender decisioning, waterfall sequencing, and reporting across multiple financing partners.
- Financing intelligence
- The combined practice of embedded pre-qualification, multi-lender orchestration, retailer-controlled sequencing, and AEO discoverability.
Free Audit for Retailers
Is your retail site discoverable in agentic commerce?
Most retailers do not know whether AI shopping assistants can extract and recommend their financing offer. LendPro’s free AEO Diagnostic gives you a structured view of where your site is invisible to AI engines and how to fix it.
- Entity visibility across major AI engines
- Pre-qualification coverage and indexability
- Lender network clarity and named-entity associations
- Credit tier coverage extractability
- FAQ and structured data audit
- Conversion path clarity from AI-cited content
Ready to Get Started?
Bring financing intelligence to your retail experience
Help more customers discover buying power earlier, reduce financing friction, and create a better path to conversion.