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A customer comes in. They want what you sell. The price is not the problem — the timing is. They do not have the full amount available right now. You do not have a financing option at the counter. They leave.
That sale was close. The customer wanted to buy. The only thing missing was a payment option that fit their situation.
Point-of-sale financing solves that problem directly. When a customer can spread payments over time, the decision changes. For businesses selling higher-ticket items, that difference shows up in revenue every month.
Finding the right program for your specific product category is where most merchants need help. That is what we do.
The Sale was close.
The timing was the problem.
Product merchants across categories use consumer financing to close more sales. Each product category has its own program structure and credit thresholds. We match merchants to programs built for their product category, not a generic solution.
We start with a conversation, not a form. You tell us what you sell, what your typical transaction size looks like, and what you want to offer your customers. By the end of that first call, you will know whether there is a program worth pursuing and what the next step looks like.
We collect what the lender needs: a W9, driver's license, and two months of bank statements. We review your business history and verify your standing. We match you to the program built for your product category. If there is a fit, we prepare a tailored rate proposal with your business name on it and walk you through every line before you commit to anything. If there is not, we tell you that directly. Either way, you never navigate this alone.
The first time a customer who would have walked comes back because you had a payment option for them, that is what this process is built for. We get you there by training your team on the portal and walking you through the welcome call with the finance company. By the time you go live, your team knows exactly what to do.
Product merchants want to know what this costs them, how much they get paid, and how quickly they can get set up. We have answered these questions enough times that the answers come fast.
Nothing. The Merchant Desk's service to merchants is free. We earn our commission from the finance company, not from you. You pay nothing to get set up, nothing to use the program, and nothing for our ongoing support. Your customers get a financing option. You get paid directly by the finance company when a contract is funded.
That depends on your product category, your program, and the consumer's credit profile. Higher credit quality typically means a higher payout percentage. We do not publish rates because they vary by merchant and by deal. What we do is prepare a tailored rate proposal specific to your business before you commit to anything. You will know the numbers before you sign.
Product merchant agreements are straightforward. The milestones are clear: documents in, proposal reviewed, agreement signed, portal training completed, welcome call done, you go live. We tell you exactly where things stand at every step and keep the process moving. Most product merchants are surprised by how quickly it goes.
That is a fair question and the answer depends on the recourse structure of your specific program. Before you agree to anything, we walk you through exactly how your program handles that scenario. Recourse structure varies by program and by deal. You will know your exposure before you sign.
Product merchant setup is straightforward. One agreement. One point of contact. We train your team on the portal and stay with you through the welcome call with the finance company. By the time you go live, your team knows what to do.
After that, the relationship continues. When your team has a question about a specific deal or a customer's application, they call a person who knows your program and your business. You call the same person who got you there.
"We’ve had a great experience working with TMD. Their introductions are clean and quick, and they consistently bring vetted merchants to the table. The team is professional, responsive, and well respected within consumer finance."
Tell us what you sell and what your average transaction looks like. We will tell you what programs might fit and have a tailored rate proposal in your hands within 48 hours. If we think there is a fit, we will tell you. If we do not, we will tell you that too.