Financing important moments in life®
LendingUSA's point-of-sale customer financing solution gives your business a better payment solution. Find out how:
Join more than 10,000 merchants & 150,000+ borrowers who trust LendingUSA
4,000+5-Star Reviews
Point-of-sale consumer financing solutions designed for you
LendingUSA's point-of-sale merchant financing for customers platform was designed for ease-of-use. For merchants, that means the opportunity for more approvals, less fees, and faster payment.
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Lower merchant fees
We don’t charge any fees for sign-up or membership. Plus, promotional financing is included at no extra cost to you. Because growing your business should never come with high fees.
More approvals
We approve loans for higher ticket goods and services in a variety of industries we serve. Because when borrowers have greater purchasing power, it can lead to higher returns for you.
Instant pre-approval decisions
Our proprietary technology combines established best practice with advanced underwriting and fraud detection. That means on-the-spot-decisions, with no impact on a borrower's credit score to see if they're pre-approved. .
Faster funding
We pay your business within days of the borrower signing the contract. Because faster payments lead to healthier cash flow - which can lead to better cash flow for your business.
Industries we serve
We provide merchant financing for customers for a variety of niche industries:
Speed. Ease.
It’s a seamless consumer financing experience for merchants and borrowers
A Seamless Experience
At every step, we provide you with all the tools you need for a seamless and efficient point-of-sale financing experience - for both merchants and borrowers.
A No-Hassle Solution
With pre-approval decisions in seconds, 24/7 access to your merchant portal, and dedicated support, merchants can avoid hassle while providing better payment options for their customers.
Ease-of-Use
Our proprietary point-of-sale technology was designed for ease-of-use. We make it simple for your business to get paid.
Merchant
Lending USA has helped us connect with new customers that were not able to help before. Their website interface portal was easy to use, and they helped with training our staff as well. Thanks Lending USA!
Mike Driver
Merchant
Here at Dr. Brennan's office, we love referring our patients to Lending USA! When patients apply it is a Soft Inquiry on their credit score unlike some of the other medical loan companies. The patient can choose how long they will need to pay off their loan. Also, when they qualify we are paid without being charged their interest off the top. It's a Win-Win for everyone!
H. George Brennan MD, Inc.
Merchant
Offering financing enhances our customer satisfaction by accommodating their financial needs and gives our business a competitive advantage, as it sets us apart from competitors who might not provide similar financing options. Freshstart Lending provided us with marketing support and customer acquisition tools.
New Era Debt
Merchant
We have a high approval for low amounts and the funding is fairly quick. LendingUSA has been a great addition for our practice over the last few years. It has helped for our patients that do not have great credit.
Sugar Land Plastic Surgery
Merchant
Our buyers like being able to pay lower interest rate and have an option of 6 months interest free. LendingUSA has great customer service and is always willing to help in a timely manner. Thank you.
Nataliya Safronova
Merchant
Freshstart has helped our clients qualify for a loan to graduate our program early. We appreciate the Freshstart team's responsiveness, support and constant strive to improve their product and services.
Liberty Debt Relief
Merchant
We really like lending USA because of the efficient way of completing an application and the quick response and absolutely no charge backs once accepted. Our clients love the no interest [promo] and also the lower interest rates. It has helped us get clients that may not have purchased at that moment.
Gary Nudelman
Merchant
Lending USA has helped my business tremendously because it offers an alternative payment option. In situations where paying in full is not available, this allows clients to still obtain what they want and pay on it while they are enjoying it.
Flem Peacher
Merchant
LendingUSA has made the cosmetic surgery goals of our patients within reach. LendingUSA has been the reason that patients have been able to keep their budget in balance and pursue their cosmetic aspirations.
Shervin Naderi
Merchant
Lending USA has given our clients the financial opportunity to accomplish their goals. It is an easy, straightforward application, with approval in minutes. It gives our small business peace of mind because we get funded within a matter of days.
Unleash Fido
Merchant
LendingUSA has been helpful anytime I have questions or need to get a client approved. I can help clients when they are unable to afford my program price all at once. It also allows more clients to sign up.
Julie Allen
Merchant
As our market has slow down a little, Lending USA has offered competitive rates to us so we can close our deals.
Exotic Tropical Pet World LLC
Borrower
With different options, Lending USA was the most convenient and quickest way to obtain our consolidation loan. Definitely recommending to friends and family!
Mary P.
Merchant
I would highly recommend LendingUSA to other funeral homes. That is the tool that gets you to the next level in arranging those services without any stress, without any worry on the funeral home or the family.
Chris Christian
Merchant
It has been a great partnership for our company & look forward to continue doing business with Lending USA.
Juniors Pet Grooming & More
Borrower
They were awesome to work with, they were honest forthcoming, worked well through the process, and funded the loan quickly, I would def recommend LendingUSA.
Rose Dahms
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More insights from our blog
Check out our blog for more resources on how businesses can navigate point-of-sale financing, provide an excellent customer experience, and more industry insights.
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