Offer financing at your counter
Stop assembling programs from four providers to cover one showroom. A single application link reaches a network of more than 60 lenders and lessors — and can finance your own business too.
The pitch, briefly
One application link serves every customer who walks through your door — established credit, rebuilding credit, no credit, a business, or a municipality. Instead of stitching together four providers to cover one showroom, the waterfall routes each customer to whichever of 60+ lenders and lessors will say yes.
$0
Mandatory merchant fees on standard programs
None
Sales minimums or required buy-downs
A–E
Credit range your customers can span
12–24h
Typical reply to an onboarding enquiry
How it works
One link, every credit profile
You get a unique application link and QR code for your store. A customer applies on their own phone in about five minutes. The platform routes the file, returns a decision, and our team handles the paperwork between you, the customer and the provider that funds the invoice.
If a customer is declined by the first provider, the file keeps moving. That is the difference between a single-lender program and a waterfall — and it is where the incremental sales come from.
- Application One link, phone or in-store QR
- Decision Instant in most categories
- Customer range Consumer, commercial, municipal
- Funding Lender funds your invoice directly
- Support US team, 7 days a week
- Your own business Inventory, equipment, property, capital
Why merchants join
What changes on your sales floor
Fewer walk-aways
The customers you currently lose are the ones a single lender declines. A waterfall gives that file somewhere else to go before the customer leaves the store.
Bigger average ticket
A monthly payment reframes the decision. Customers who would have bought one item often take the package when the difference is measured per month rather than in full.
No layaway to administer
Layaway holds your inventory and delays your revenue. A lease-to-own approval moves the goods out of the door today and pays you now.
Industries
Where this works well
Program mix, approval ceilings and paperwork differ by category. These are the ones the network is built around.
Furniture & mattress
Large tickets and delivery scheduling, with several rooms often financed on one agreement.
Jewelry
Engagement rings and bridal, where the customer is emotionally committed before they ask about payments.
Pawn & independent retail
Point-of-sale lease-to-own by QR code, replacing layaway and moving inventory the same day.
Mower & outdoor power
Zero-turns, compact tractors and trailers, for homeowners and landscaping crews alike.
Marine dealers
New and used boats, engines, trailers and repowers, personal and commercial.
Tire & automotive
Tires, wheels and service work, where the customer rarely planned the purchase.
Gyms & studios
Equipment packages and fit-outs, plus working capital for build-outs.
Breeders
Vetted breeder network with transport and veterinary care financed alongside the animal.
HVAC & home services
Emergency replacements where approval speed decides whether the job happens.
Electronics & appliance
Repeat purchases and bundles, often across more than one retailer.
Not on the list?
The network expands by request and covers most durable goods and services. Call 888-509-1370 and describe what you sell.
Joining
How onboarding runs
Gather documents
Business and ownership details, banking information, and photographs of your store front and interior.
Submit the enquiry
Expect an email within 12 to 24 hours to schedule a discovery call with the onboarding team.
Discovery call
We work out which programs suit your category, your ticket sizes and your customers’ credit mix.
Agreement and go live
If it is a good fit, a merchant agreement follows for review and signature, then your link, QR code and training.
Questions
Merchant questions
What does it cost to offer Terrace Finance?
There are no mandatory merchant fees on standard programs, no sales minimums and no required invoice buy-downs. Optional promotional rate programs are available where you want to subsidise a lower customer payment.
How long does onboarding take?
Submit your documents and expect an email within 12 to 24 hours to schedule a discovery call. If the partnership is a good fit, a merchant agreement follows for review and signature.
What do I need to sign up?
Business details and ownership information, banking information, and photographs of your retail location inside and out.
Who funds my invoice?
The lender or lessor funds the transaction directly. We coordinate the application and paperwork between you, your customer and the provider.
Can I finance my own business through the same platform?
Yes. The same network covers inventory purchases, equipment, real estate acquisition and working capital from $10,000 — so the platform that serves your customers can also fund your floor.
What kinds of customers can I send?
Consumer, commercial and municipal, across the full credit spectrum from established credit down to no credit history at all. One application link covers all of them.
Offer financing at your counter
No mandatory fees, no sales minimums, and one link that covers every customer who walks in.