Multi-Lender Point-of-Sale Financing Solution

Finturf brings point-of-sale (POS) financing to underserved businesses like brick-and-mortar retailers and service providers. Use it to convert more customers at checkout by helping them buy now and pay later. Learn more below.

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How Point-of-Sale Financing Works

The merchant or service provider uses Finturf to request funding for the customer
The merchant or service provider uses Finturf to request funding for the customer
Finturf sends the financing request to its lending partners
Finturf sends the financing request to its lending partners
A lender may accept the request and provide the customer with a loan, line of credit, or other form of financing
A lender may accept the request and provide the customer with a loan, line of credit, or other form of financing
If the customer is approved, the merchant receives the funding directly within three to five business days
If the customer is approved, the merchant receives the funding directly within three to five business days

Why Finturf?

Here are some of the top reasons merchants choose us for POS financing:

Easy Signup

Setup is easy for approved merchants. After you are accepted into our system, it should only take a few clicks to start using our cloud-based POS financing software.
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We keep our POS financing software, dashboard, and reporting tools up-to-date to ensure the best possible performance. We also take special care to maintain a reputable lending network.

White label service

We offer custom white label solutions, allowing merchants to rebrand and customize our platform.

24/7 client support

Our customer support team is ready to assist you at any time of the day.

Hassle-Free Funding Request

It only takes a few minutes to fill out a Finturf POS financing request and receive a real-time response. If approved, the consumer may walk out of the store with the product.

High approval rates

Our extensive network of lenders works with all credit types, which means more opportunities for your customers to receive POS financing.

Soft Inquiries

Our network of lenders uses soft credit inquiries to check the credit score of your customers. A soft credit inquiry does not impact a consumer's credit score.

No Stress

When your customer connects with a lender, the financer is responsible for the paperwork, credit risks, and potential late payments – not you, the merchant.

All-in-One Financing Platform

In some cases, the customer’s point-of-sale financing request will be denied. If that’s the case, we may try to connect them with one of our lending partners offering personal loans. If approved for another form of funding, your customer can return to your store to complete the purchase.

Waterfall Algorithm

If the customer is not connected to the first lender, then the request will move down Finturf’s ping-tree to the second lender, then the third, and so on. This increases the likelihood that a lender will eventually accept the financing request and provide the consumer a loan, line of credit, or other funding option.

Fast money transfer

If a consumer is connected with a lender and approved for a POS loan, you do not need to wait until they have paid back the loan to get your funds. You can receive your loan funds upfront and in full in three to five business days.

Full performance reporting

Our user-friendly dashboard lets merchants filter by pending, pre-approved, and rejected requests. The reports show information by location and salesperson.

Mobile App

Merchants who sign up with Finturf get new customers thanks to our mobile app. The Finturf app connects customers to local merchants that have the product they need.


The app displays merchants within the customer's geographical area.

Easy Financing Request

The app can also be used to request a POS loan, line of credit, or alternate form of financing. This makes the request process easier for you and your customers.

Customer acquisition

The Finturf POS financing app helps drive new customers to your store.

Finturf Success Stories

Here are some of the ways that our software has helped merchants just like you:

Provides Higher Conversion Rates

Many of our clients see their conversion rates and customer base increase.

Drives Online Customers to Your Store

Our technology helps you increase your foot traffic with new customer sources.

Helps You Compete in Your Industry

Our clients get a leg up on their competition, especially those who do not offer a way to pay for merchandise bit by bit over time.

FAQ: Everything to Know About POS Financing

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What is a POS Purchase?

Point-of-sale, or POS, refers to the moment a customer purchases your product. A point-of-sale purchase is any transaction. "Point" refers to a location. The point-of-sale is the transaction event itself, while the point of purchase refers to the checkout area.

A point-of-purchase strategy entails finding ways to entice customers to make a higher dollar purchase before the point-of-sale or checkout occurs. Not only does POS financing enable point-of-sale transactions, but it also encourages the customer to spend more.

What is POS Financing?

Point-of-sale (POS) financing is a closed-end credit solution. Like a credit card, it allows the customer to buy now and pay later. But unlike a credit card, the line of credit ends as soon as the customer pays back the agreed-upon amount. POS financing is a solution for high-dollar transactions that consumers would otherwise not be able to afford or would charge to a credit card. Your customer needs your product, and you need to make a sale. With POS financing, the customer can purchase your product, even if they don't have the cash for it upfront, without fear of going into immediate debt. It's a new name for an old concept.

It works by integrating with the checkout process. At checkout, merchants can offer POS financing along with other payment options such as Visa, MasterCard, Digital Wallets, and PayPal.

Through some forms of POS financing, both the retailer and the customer can receive the benefits of their transaction instantly. You, the retailer, will receive your money in full, and the customer will receive their product. Payments on the product are arranged between the customer and the lender. POS financing allows the customer to make multiple installment payments on a big-ticket item over time. This enables you to close a sale and the customer to quickly get what they need. It's a win-win!

Why Does POS Financing Matter?

In short, you can grow your business with results unique to POS financing. Developing a strong POS strategy is key to delivering a seamless experience to customers, incentivizing them to come back. POS financing should be an important aspect of your overall POS strategy for several reasons:

  1. It may lead to higher conversion rates. Customers who couldn't otherwise afford to purchase from you can now do so with POS financing options. It opens the door to more conversions on higher-ticket items, improving your cash flow and widening your customer base.
  2. It offers convenience and a better customer experience. The importance of the customer experience cannot be overstated. Part of a positive service experience is how easy it is to make a transaction. POS financing is embedded at checkout for easier transactions.
  3. It helps you offer an innovative payment option. Customers are undeniably attracted to innovation, and innovative products deserve innovative payment options. POS financing can help you attract new customers and retain existing ones while providing a positive company image. It's also a powerful promotional tool.

The data doesn't lie; nearly 40% of point-of-sale purchases are made on credit, and of credit-users, 74% think installment plans are helpful when making large purchases upfront.

Consumers have spoken, and they've made it clear that they value purchasing power over credit card rewards and high credit limits. They want payment options that won't penalize them and send them into immediate debt. POS financing puts purchasing power back in the consumer's hands, and offering this service will make your business more consumer-friendly overall.

Customers are looking more and more to nontraditional payment methods, and offering a flexible payment plan through Finturf's POS financing can give you a leg up on the competition.

How Else Can POS Financing Grow My Business?

As the lending industry continues to sky-rocket, it's more important than ever to understand the customer better than anyone else and offer services that cater to the customer's needs. POS financing is a revolutionary strategy that opens your company up to a business you could not obtain otherwise. Here's how:

  • Earn more sales. A 2018 Forrester Research study found that businesses that offered POS financing experienced a 32% increase in sales — and that number has only gone up. In 2020, POS financing accounted for over 4% of all purchases.
  • Incentivize more spending. Also, "bill me later" services incentivize customers to spend more than they would otherwise. The same study found that POS financing, on average, increased the dollar amount of purchases by 75%.
  • Offer credit-building services. POS financing may build a customer's credit, which is of particular concern to younger credit holders looking to establish themselves. These consumers are looking for opportunities to build their credit at every turn. Another win-win!
Can My Business Utilize POS Financing?

The answer is, almost unequivocally, yes! Retailers in nearly every industry can benefit from POS financing, and for some industries, it's practically a necessity. If you choose to go with POS financing, you'll be in good company as more and more retailers discover the potential of this new-name, old-concept payment method.

For small businesses, POS financing offers the opportunity for growth. For large corporations such as Walmart, which utilizes Affirm, POS financing solutions are an opportunity to retain their customer base.

Is There Consumer Demand for POS Financing?

Another unequivocal yes. POS financing is seen as a safer alternative to credit cards, and consumers have shown that they look more favorably upon zero-interest POS financing than traditional lines of credit. Buy now, pay later platforms are a simplified, transparent route for consumers who want to make installment payments. One of the greatest aspects of POS financing on the consumer end is that it is predictable. When signing up for a POS financing option, consumers are in the know about exactly how much they will owe and when, and there's no doubt about when they can expect to clear their debt.

One of POS financing's biggest proponents is MasterCard, which recently acquired Vyze, a POS financing platform, for an undisclosed amount. MasterCard did this because they know that credit card use is declining among Millennials and Gen Z-ers, who will make up 40% of the market in 2021.

POS financing gives consumers the best of both worlds — they can safely and transparently make installment payments on a purchase without committing to a credit card.

Who is POS Financing For?

POS financing is relevant to all retailers, but especially those who sell high-ticket items and services. For example, funeral services, medical services, retailers of appliances, and heavy equipment.

For many consumers, purchases with a large finance point but without financing are not realistic. Simultaneously, they may be wary of using traditional credit lines that charge high-interest and come with severe penalties. Acquiring the money needed to make essential, high-dollar purchases may take a while, meaning consumers are delaying purchases they would readily make, and merchants miss out on sales.

Point-of-Sale for Small Business

POS financing isn't just for big-name retailers like Walmart. POS financing is becoming more prevalent even for small, casual purchases. Small businesses can use point-of-sale financing companies, with many benefits to small business owners. Benefits include:

  • Increased sales
  • Increased average order value
  • More return customers
  • Less in-house credit checks
  • Access to a sprawling multi-lender network
  • Seamless customization and integration
How Do I Get Started?

There's no better time than now to get started. The market still isn’t saturated, and industry experts expect POS to keep growing in popularity.

With this in mind, there's no time like the present to get started. Here at Finturf, we can help set you on the right path. Contact us today for more information about what we have to offer!

Where Can I Learn More About POS Financing?

To learn more about POS financing, contact us at Finturf.

A Customer Acquisition Solution for Lenders

For banks, fintech, and local lenders offering POS financing, Finturf is a platform that generates POS financing leads. Unlike some POS marketplace platforms, Finturf provides merchant underwriting and lead exclusivity.

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