Mattress Retailers Can Offer Financing with Finturf

We partner with mattress retailers to offer an easy solution for point-of-sale (POS) financing. Even if you already have an in-store financing solution, our waterfall algorithm and extensive local lending network can minimize rejection rates, which can lead to more sales and revenue than you see right now.

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Financing Options Upon Checkout

Having a financing option at checkout encourages your customers to purchase a bed, especially when the rates are right. Here is some of the marketing language you can use when you offer POS financing to your customers:

Buy now pay later mattress
Lease to own
Split payments
Installment loans
Low APR financing

Using Our Loan Request Software

By connecting to our multi-lender network, retailers can help their customers finance a mattress. Here are some of the benefits.

How Your Customers Can Use Finturf

For consumers looking to finance their purchases, Finturf is a POS platform that helps them try to find a loan during checkout. Here is how consumers can interact with the Finturf POS software:

In-store POS system

The customer requests a loan from a member of your sales staff, who enters their information into the Finturf software. We perform a soft credit check to avoid harming the customer's credit score.

Finturf’s web UI for Merchant’s sales people access

App solution

The customer downloads the Finturf app to request funding for purchase at your store.

API for field services or CRM software – Finturf can be integrated into the field service or CRM system you are currently using.

Customers can use the Finturf app to request POS funding from merchants and service providers in their area.

Upon approval, the lender presents a breakdown of the payment plan options, terms, and conditions. According to the agreed-upon terms, the lender collects the balance and fees over time.

Easy Setup

Setup is easy. It will take less than an hour for our technicians to help you sign up and start using our cloud-based software. Then, you will be able to use Finturf to make loan requests on behalf of your customers during checkout.

Hassle-Free Loan Request

It only takes a few minutes to fill out a Finturf loan request and receive a real-time response. If approved, the consumer walks out of the store with the mattress. If the customer is not connected to the first lender, then the request will move down Finturf's ping-tree to the next lender, increasing the likelihood that the loan will eventually be accepted.

Local Financing

In some cases, the customer may connect with a local brick-and-mortar loan provider. If that's the case, your customer may need to visit the branch to provide the necessary information. Upon approval, they can return to your store to make the purchase. This can help your customers with bad credit still be able to find funding.

Mobile App

Merchants who sign up with Finturf get new customers thanks to our mobile app. Consumers request POS financing for local mattress lenders through the Finturf app. During the loan request process, the customer may select your mattress store, and the funding will be sent directly to you upon approval.

Why Finturf?

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

High approval rates

While most POS solutions have a maximum of one to three lenders, our more extensive network has more conversion opportunities.

All credit types

Our lenders work with all credit types, from subprime to super-prime. Our local lenders are often better suited to offer credit to those with lower credit scores.

Fast money transfer

If a customer is connected with a lender and eventually approved for a loan, the merchant may receive the entire loan funds upfront and in full in up to five days. At this point, the loan provider is responsible for the credit risks and potential late payments — not the merchant.

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.


We are always updating our software to ensure the best possible performance for merchants. These updates are free for every user on our platform. We continually improve our customer experience by upgrading our dashboard and reporting tools and expanding our lending network.

White label service

You can rebrand and customize our platform, making it match your company's identity. This way, your customers can recognize your financing system.

24/7 client support

Our staff is ready to assist you at any time of the day.

Easy to Use

We offer free onboarding with a simple setup process.

Finturf Success Stories

Here are some of the ways that our product has helped mattress merchants just like you.

Higher Conversion Rates and Wider Customer Base

Today's customer shops without cash in hand. Many expect to use a store's financing program, but stores without a POS solution lose these customers who may otherwise make a purchase. Many of our clients see their conversion rates and customer base increase.

Better Online Results

Our technology works for e-commerce, too. Our clients may see an increase in organic traffic from customers searching for local mattress financing.

Compete in Your Industry

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

Get Started with Finturf

After implementing our POS financing solution, you can let your customers know that they can buy the mattress they want now and pay later.

Finturf's financing option may be able to increase your mattress sales thanks to our vast network of lenders that work with all credit types. To start generating more revenue, complete our merchant signup form to speak with a team member.

Frequently Asked Questions

What information does the consumer need to provide to request POS financing?
It only takes a few minutes to fill out the finturf form, which requires a little bit of personal, employment, and banking information from the consumer.
Does Finturf's lending system help in stock turnover?
Providing a financing option may increase sales. Customers who were unable to purchase a mattress due to a lack of funds may be able to with POS financing. Even merchants that already have a financing option may be able to increase sales with Finturf, thanks to our vast network of lenders that work with all credit types.
Do merchants benefit from the interest rate of the loan?
A lower interest rate may result in a higher likelihood of making a sale. However, neither the merchant nor Finturf can control the interest rates. Finturf is not a lender. We work with a network of lenders. While we cannot guarantee a low interest rate, many of our clients see higher accept rates thanks to the size of our network and our local lending options. Local lenders are often better suited to offer credit to those with lower credit scores.
Does Finturf work with international merchants?
Not at this time. Finturf currently only works with companies operating in the U.S.
Is Finturf easy to use?
Our system is straightforward for both the merchant and the customer. They can request POS financing in one of two ways. First, the merchant can use the Finturf Merchant Portal to request a loan on behalf of the consumer. The customer offers a little information about themselves, and then we show a funding decision within minutes. Or, the customer can download an app and fill out a loan request through their phone. During the loan request process, the customer will select the merchant, and the funding will be sent directly to the merchant upon approval.
How can merchants get access to Finturf?
Merchants can add Finturf financing to their store by speaking with a member of the Finturf support team. We offer free onboarding with a simple setup process.
What information does the system dashboard provide to merchants?
Merchants receive a report on all the requests placed through Fintruf. They can filter by pending, pre-approved, and rejected requests. They also have reports based on salespeople and locations. This information can help a merchant know who to market to, as the merchant will see the customer type most likely to receive financing.
Does the dashboard allow merchants to know the stock on hand?
The Finturf system is independent of other software that the merchant may use, such as inventory software.
Does the system need maintenance or updates periodically? If yes, how much will it cost?
Finturf updates its software to ensure the best possible performance. These updates are free for the user.
Does Finturf offer live chats with customers?
No, Finturf does not currently have a live chat feature to interact with customers. However, client support is available 24/7. If the merchant ever needs help, they can reach out at any time of the day through phone or email.
How can merchants get in touch with their customers through Finturf?
The merchant cannot use Finturf to reach out to their customers. If a consumer downloads the Finturf app, they can select the merchant's name during the loan request process. If connected with a lender and eventually approved for a loan, the money will go directly to the merchant. If the customer needs to contact the merchant, they should reach out to the merchant directly.
Does Finturf offer 24/7 customer service?
Yes, Finturf offers 24/7 customer service to the merchant and the lender, but not to the customer.
How much does the average loan request take?
The loan request process only takes a few minutes.