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A client calls. They want what you offer. They cannot pay the full amount upfront. You do not have a financing option to give them. They say they will think about it. They do not call back.
Consumer financing programs built for service businesses exist. The challenge is that service business financing involves different risk structures, different lender requirements, and different program terms than product financing. Most brokers do not specialize in it. Most lenders do not either.
We do. And we know where to find the programs that actually fit.
That happens every week in service businesses across the country. Not because the client did not want to move forward. Because the merchant had no way to help them do it. Every one of those conversations is a closed case that should have closed.
A closed case
That should have closed.
The wrong program for your industry creates real problems: mismatched credit thresholds, unfavorable payout terms, recourse exposure you were not prepared for. We place merchants in programs built for their specific business, not the nearest available option.
We start with a conversation, not a form. You tell us what service you provide, what your clients typically pay, and what you want to offer them. 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 run background checks, review your business history, and verify your standing before we take another step. We match you to the program built for your industry. 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.
Once approved, we train your team on the portal and walk you through the welcome call with the finance company. The first time a client asks about payment options and your team has an answer ready, that is what this process is built for.
Timeshare exit. Tax resolution. Solar exit. These industries attract bad actors and service merchants know it. We get the same questions on almost every first call. The answers are straightforward.
Some programs involve recourse. Some do not. Many programs used for service merchants start with recourse and convert after the consumer makes two consecutive on-time payments. We will explain exactly how the program we recommend for your business is structured before you agree to anything. You will know what you are signing before you sign it.
The finance company needs to evaluate your business before approving you as a merchant. We collect those documents on their behalf as part of the vetting process. Once we have what we need, we move. Most merchants have a rate proposal in hand within 48 hours of submitting their documents.
We are not. We are the broker. The finance company is the lender. They buy the consumer contract from you and pay you a percentage of the contract value. Our job is to find the right finance company for your business, prepare the introduction, and make sure you are set up correctly. We do not lend money. We find the right people who do.
That depends on your industry, your program, and the consumer's credit profile. 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.
You have a direct contact from the first call through your first funded transaction. We schedule portal training with your team. We stay with you through the welcome call with the finance company. We know which lenders actually understand service business risk and which ones say they do.
Once you are set up and running, that contact stays yours. You are not reassigned. You are not passed to a support queue. You call the same person who got you there, and they already know your file.
"We no longer need to self finance and collect payments. With a large approval basket, our sales increased at least 25%."
Tell us what you do and who your clients are. 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.