Lending Features for Business Owners

We put greater earning power right in your hands

Businesses are expanding their sales potential by offering customer financing solutions at their point of sale. You can too with LendingUSA.

All the Features You Want in a Merchant Financing Solution

Our proprietary technology has advanced underwriting and fraud detection capabilities that lead to fast pre-approval decisions for your customers, so you can increase volume and close more high-ticket sales.

Fast & Easy Loan Application Process

Patients and customers can apply at your place of business, right at the point of sale. It’s a seamless, paperless process that takes just minutes.

Quick Pre-Approval Decisions

Pre-approval decisions are made quickly, so you can close the sale on the spot. If more information is required, we’ll contact your customer immediately.

Easy Click-to-Sign Contract Process

You can enroll your business and sign your authorization right online. Your customers can sign their approved loans the same way. The entire process is safe and secure.

Our consumer financing solution works harder for you

High Approval Rates

In many of the markets we serve, we make than other lenders. We even approve FICO scores as low as 620. That gives your customers more opportunities to say “yes” to the products and services they really want.

Competitive Loan Terms

We’ve innovated the industry with our ZIPLOAN®. It offers a 0% interest rate if paid in full within six months, and has no interest rate or prepayment penalties. It’s a hassle-free solution that makes for worry-free borrowers.

Quick & Direct ACH Funding

We direct-deposit payments to you through the Automated Clearing House electronic network. All within days. It’s the fastest way for you to get paid – and the easiest way to avoid billing and collection hassles.

For Merchants

Learn how we can help you increase revenue and get paid faster than before.

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For Borrowers

Get the goods and services you want with our easy payment options.

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