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ChargeAfter: Embedded Financing & Consumer Finance Solutions







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**Authority Brands Taps ChargeAfter to Power BuyFin, Enabling Frictionless Financing for Homeowners **Read more****\>>****

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# Embedded consumer finance choices at the point of sale

Provide your customers with personalized embedded financing choices in-store, in-home, online, or anywhere they shop. Our flexible, turnkey platform connects you to the largest independent network of lenders empowering you to drive higher approvals, deliver better customer experiences, and maximize the potential of consumer financing.

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## The largest independent network of lenders

See our full lender stack

Say goodbye to painful integrations and declined financing

## Say hello to a seamless embedded lending experience and increased approvals

## Selected industries

Our embedded lending platform is integrated by mid-market and large enterprise merchants across diverse industries,
driving seamless financing experiences and maximizing sales potential.

Aftermarket 
car parts

Appliances

Consumer 
electronics

Furniture

Home improvement

Jewelry
& luxury items

Mattresses

Sports
& fitness

## The Embedded Lending Platform

A user-friendly consumer financing platform for merchants and service providers with instant access to multiple lenders and a full spectrum of financial products. Streamline your lending process and seamlessly manage the entire cycle on one unified platform.

A unified consumer finance experience

Provide your customers with a unified omnichannel financing experience. Our state-of-the-art embedded financing platform standardizes the lending process across multiple lenders and seamlessly integrates with in-store, in-home, eCommerce, telesales, and other point-of-sale systems – for a simple loan application and approval journey.

Embedded POS financing with multiple lenders

Effortlessly integrate multiple lenders into your point of sale. Our embedded lending platform makes it easy to manage each lender’s compliance requirements, underwriting processes, and regulations. We seamlessly integrate all lenders and loan applications into a single platform.

Waterfall finance solution in real-time

Connect your customers to the ideal lender with our real-time matching engine. Deliver dynamic waterfall lending to maximize approvals through a wide range of financial products that span the entire consumer financing spectrum, tailored to your customers’ needs.

Post-sale management & analytics

Managing and optimizing your customers’ lending journeys has never been easier. Our advanced back-office enables you to easily process disputes, project completion payments, chargebacks, and refunds. What’s more, our reporting and analytics suite gives you all the insights you need to optimize omnichannel financing programs in one place.

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## POS financing built for enterprises

### For merchants

With a single POS financing application, your customers are matched with multiple lenders and personalized financing choices at every point of sale.

### For financial institutions

Leverage our white-label financing platform to create, manage, and distribute any consumer financing product at scale within one streamlined experience.

## Our mark on the market

### Lenders

40

### Avg. Approval Rate

85%

### Countries

3

## ChargeAfter is revolutionizing consumer financing worldwide for businesses like these.

With ChargeAfter, we have the peace of mind that our point-of-sale financing is powered by a proven platform and deep industry expertise, so we can focus on giving our customers a superb furniture buying experience.

**Guy Demascole** Director of Credit

ChargeAfter was a game-changer for us. We saw a 67% increase in financing applications with high and stable approval rates. It’s clear that our customers love the flexibility and convenience that ChargeAfter provides.

**George Burt** Vice President of e-commerce & Omnichannel

As more of our customers request improved financing options, our priority is to meet this demand and provide a first-class experience that reflects our ethos of embracing change. ChargeAfter’s embedded lending platform supports this vision as it easily connects clients to multiple lenders in a fast and seamless process.

**Tom Weber** CEO

By integrating ChargeAfter’s embedded lending platform into BuyFin, we are offering innovation not currently offered in today’s market, simplifying the financing process, enhancing the customer experience, and empowering merchants to close more sales and build lasting customer relationships.

**Clare Perry** Executive Vice President

## Unleash the power of the
Embedded Lending Platform

### Boost approvals

Join merchants across the globe reporting approvals of over 80%.

### Guaranteed security

We are fully secure and protected, giving you peace of mind.

### Build loyalty

Build your customer base with more approvals - they’ll remember you for it.

### Leverage data

Optimize your financing
offers with powerful consumer
financing analytics.

### Unlock choices

Our embedded lending network accommodates any customer, regardless of their credit history or score.

### Future proof

Integrate any lender and consumer finance product into your embedded lending offer.

## Our lender network

Check out the financial partners driving more approvals at your point of sale.

Prime

Near prime

No credit required

B2B / Card based / BNPL

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It's embed time

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