Point of sale finance
Our point of sale credit solutions give customers the best payment options to choose from, whether they’re browsing online or hitting the high street.
Omnichannel retail financing
You can benefit from retail finance whether your business is driven by digital channels, traditional bricks and mortar, or something in between.
We know the importance of having a slick and simple finance solution that suits your in-store sales journey and integrates seamlessly with your e-commerce platform. This gives your customers a consistent experience, no matter how they shop with you.
Online sales now account for over 25% of all retail sales, and more than 80% of UK consumers are digital buyers. Many traditional brick-and-mortar retailers are now creating e-commerce sites to reach a wider range of consumers.
Partner with a POS credit provider that can flex to suit your checkout journey.
A credit system designed with retail in mind
Our application platform is quick, simple and provides a great customer experience from start to finish. You’ll find no clunky tech or lengthy applications here – just flexible ways to pay for your customers.
About our in-store finance option
- Offer point of sale finance in-store to boost footfall and drive sales
- Flexible e-signature technology allows customers to sign their agreement in-store, take it away to finalise at home
- Instant decisioning, so there’s no waiting around in-store once your customer has decided to make an application
- Soft search eligibility checks and tailored finance options available to support your team and maximise sales
- Additional training for in-store sales colleagues, giving your team everything they need to feel confident offering finance
About our ePOS finance solution
- Turn browsers into buyers by promoting POS finance across your e-commerce channels
- Integrates seamlessly with all major ePOS systems via a simple plug-in, with support available for bespoke integrations
- Customers can complete our one-page application form in minutes and receive a decision within seconds
- Soft search and bespoke tailoring available to help you increase approval rates and offer credit that suits your customers
- Option for us to collect deposits to create an even more seamless user journey
How does point of sale financing work?
1. Your customer shops online or in-store with you and chooses to pay using one of our retail finance options
2. They’ll fill out a finance application. We may also inform the customer if they qualify for one of our tailored finance options
3. Your customer will get an instant decision on their application and, if accepted, will be asked to e-sign their credit agreement
4. Once you deliver their order, you’ll receive the full payment (minus any subsidy) and we’ll begin collecting monthly repayments from the customer
Get started with our support
We’ll get you all set up free of charge, with a specialist onboarding team and a dedicated Relationship Manager to help you reach your goals.
- Access to e-learning courses
- In-person and virtual training sessions
- Learn within a practice environment with our demo tools
- Digital and physical POS marketing materials provided
You'll like the company we keep
Join our network of over 3,000 UK retailers
To work with us, you will need a minimum of:
- £2m in annual sales turnover OR £50,000 in finance in the last year
- 2 years trading history
- Net worth of £25,000 (£100,000 for Home Improvements sector)
You will also need:
- To be offering products or services for consumers, NOT for businesses
- To be trading profitably
Please note, we do NOT currently work with the following industries: renewable energy (including solar), dentistry, invasive healthcare, clothing, personal development or training solutions.
If you meet this criteria, we'd love to hear from you. Please complete the form and one of the team will be in touch within three working days (usually the same day).
If you are an existing retailer with a general enquiry or a customer looking to speak to someone about your retail finance or personal loan agreement, click here for contact details and opening hours.