The sale you lose when the whole ticket is too much today.
Your customer applies at your counter and pays over time. You get paid. Your business is not borrowing, and you do not owe their balance.
Add financing at my counterHow we set this up
Sticker shock does not sound like a no. The customer nods. They say they need to think about it. Then they walk. You never learn the real reason. The number was just too big that day. Nobody says that out loud at a counter.
Customer financing puts a second answer on the table. Your customer applies once, right at checkout. They leave with what they came for. They pay for it over time, on a payment they can carry. This is your customer borrowing, not you. It is not a loan to your business. It does not sit on your books. Money for the business itself is a different product. That one is working capital, and it has its own page.
What makes it work is what happens behind that one application. It does not go to a single lender who says yes or no. It moves through several lenders in turn. So a customer the first lender passes on can still come back approved from the next. Customers can also be approved before they ever walk in. That turns the money talk into something settled instead of something risky.
What this costs you is set when you enroll. So is what it costs your customer. Both depend on the program and on the customer in front of you. We get those terms in writing. Then we walk you through them before anything is switched on.
How customer financing works
One application, several lenders
The waterfallYour customer fills out one form at the counter. It goes to a chain of lenders, not just one. If the first lender says no, the next one still gets to look. A customer one lender would turn down can still come back with a yes.
- One form, not one per lender
- Lenders reviewed in turn, on their own
- An answer while the customer is still standing there
- More customers get a yes than any one lender would give
Best for: Counters where one no ends the sale and the customer walks out.
Pre-approval before the visit
Ahead of the counterCustomers can be approved before they ever walk in. They show up already knowing what they can do. They do not find out at the worst moment.
- The customer knows their number before they come in
- The talk starts with what they can do, not what they fear
- Fits booked jobs and quoted work
- Takes the awkward part out of the close
Best for: Jobs you book or quote first: dental, hearing aids, home repair, bridal.
Wired into your point of sale
At the registerThe program syncs with your point-of-sale system. Financing runs inside the checkout your staff already use. No second device on the back counter. No second login to learn.
- Runs inside the checkout you already have
- No second set of steps for staff to learn
- Same sale, same close, same receipt
- Pairs with the POS systems we spec and install
Best for: Counters already on a POS we support.
Reporting you can actually read
The portalYou see who applied and how it went, as it happens. So you can tell what financing is doing to your sales instead of guessing.
- Who applied and who got a yes, in real time
- See which programs your customers really use
- Numbers you can put next to your own sales
- One place to look instead of asking someone
Best for: Owners who want the program measured, not just installed.
The counters this was built for
These are the programs running right now. The pattern is the same in all of them. The ticket is big enough that the customer has to stop and think. In these shops, thinking about it usually means walking out.
Not on the list? Tell us your average ticket and what you sell. If financing would not move the needle for your counter, we will say so and leave it alone.
This runs at your checkout
Financing syncs with the point-of-sale system on your counter. So we set up the two together, not one bolted onto the other later.
See the POS systems we carry →Looking for money for the business?
Then this is the wrong page. We would rather say so than sell you the nearest thing. Money for the business is working capital. There, your business is the borrower.
Working capital and funding →Who we place customer financing with
These are the companies that run customer financing with Northwest Payment Brokers. We do not have a favorite. Which one we suggest comes down to your average ticket and what you sell. We will walk you through what each one means at your counter before you pick.
ZipLoan
A customer financing platform built for the checkout. One customer form goes to a network of lenders, one after the other. It does not stop at the first no.
- One customer form, read by a network of lenders
- First-look, second-look and third-look lenders in one chain
- Lenders who know your trade. Home repair, medical, auto, retail.
- Built to run inside your checkout. We handle the setup.
Best for: Counters where one no ends the sale and the customer walks out.
Talk through ZipLoan →SURV Credit
Several lending products on one platform. One form covers a wide range of customer credit, not just one lender's slice of it.
- One form, whatever the customer's credit looks like
- Several lending products in one place
- An answer on the spot. All electronic, no paperwork.
- Runs on any device with web access. No special terminal.
Best for: Counters that want to run it off a tablet or a phone in the aisle.
Talk through SURV Credit →Neither of these is money for your business. With both, your customer is the borrower. The balance sits between them and the lender who approved them. None of it lands on your books. What the program costs you is set when you enroll, not printed on a page. We get those terms in writing and go through them with you first.
Financing does not cut your price. It removes the reason to walk out.
Not every customer gets approved. And what the program costs you is set when you enroll, not printed on a page. Both of those have answers. A website is just not where you get them. Tell us your average ticket and what you sell. We will get the real terms in writing, then go through them with you line by line before you sign.
Fair questions
Is this a loan to my business?
No. Your customer is the borrower, not you. None of it sits on your books. You are not on the hook for their balance. If what you need is money for the business itself, that is working capital. It is a different product, on its own page.
What happens if my customer stops paying?
That is between the customer and the lender who approved them. You are not carrying their balance.
How is this different from sending them to one lender?
One form goes to several lenders in turn. It does not stop at the first no. That is the whole point. More of your customers get an answer they can use than one lender would give on its own.
Can a customer be approved before they come in?
Yes. The approval can run before the visit. They arrive already knowing what they can do. For booked jobs and quoted work, that changes the whole talk.
Does it work with my POS?
It syncs with point-of-sale systems. The form runs at checkout, not on a second device. Tell us what you run. We will check your exact system before we promise anything.
Will every customer be approved?
No. It depends on the program and on your customer's own credit. We would rather take your ticket size and your customers to the program and get you the real picture. Planning around a number off a web page helps nobody.
What does it cost me?
That is set when you enroll, and it changes by program. We will not print a number here and let you assume it is yours. We get the terms in writing and go through them with you before you decide.
What kind of business is this worth setting up?
Big-ticket retail and services, where the price itself is what ends the talk. Programs run today in furniture and mattress, jewelry and bridal, appliances, and dental. Also cosmetic work and medical devices. Hearing aids, HVAC and home repair, auto repair, powersports, and vet care. On a small ticket it is not worth the setup. We will tell you that.