Personalized Customer Service
to Increase Your Sales
Total Loan Originations as of July 2022
for Most Retail Businesses Nationwide
About Our Retail Lending Program
From pianos, hot tubs, HVAC systems and other home improvement projects, our team has the experience and deep expertise in consumer lending, to help you increase sales, improve margins, and create stronger, long-term relationships with your customers for repeat business.
Using our technology enabled model, FinWise Bank can help determine the best financing options for your customers and help you close deals faster.
Why Choose Point of Sale
Give your customers options to finance your products or services.
Our Retail Lending Program gives your business the ability to offer payment options and financing to your customers.
- Financing between $1,500 – $50,000 (higher amounts are on a case-by-case basis)
- Instant or same day decisions depending on time of day and availability
- Technology enabled application and approval process
- Attractive customer benefits
- No origination fees
- No prepayment penalties
- Dedicated customer support team for loan support
- Attractive dealer/merchant benefits
- No dealer fees
- No merchant fees
- No annual minimums
- Dedicated support representative for personalized service
What type of retail business is this program for?
Piano and Musical Instruments
Hot Tubs and Spas
HVAC and Home Improvement Projects
How It Works
How to enroll and offer your customers financing options
Complete the Merchant Application
We Train & Support Your Team
Share Your Custom Store Page to Start Increasing Sales
When I’m not playing my guitar, I enjoy helping businesses grow. One of the ways I help do that is by creating customized programs for retail businesses that they cannot easily get at larger banks.Moses SohnRetail Lending, FinWise Bank
How it works for your customers
Apply for the loan
Deliver your product
We Typically Fund You Within 1-2 Business Days and Then Serve Your Customer Over Time
Why FinWise Bank.
Our retail lending program provides financial flexibility that can set your business apart from competitors and includes:
- A customized and secure online portal allows businesses to submit applications, communicate with loan officers, and track funding.
- Better rates and faster turnaround than other banks.
- Deep experience in consumer lending.
- Responsive, personalized customer service.
- Strong customer satisfaction.
- Our proprietary automated technology offers lending nationwide.
Schedule a virtual demonstration at your convenience.
Book a 30-min demo to see our new online portal and find out how we can help your business increase sales.
What Other Retail Store Owners Say About Us
Over the 33 years in business, our company has worked with over 25 lenders in an effort to obtain finance options for our customers. I can say without hesitation, that FinWise has been at the top of this list with their excellent service, high approval ratings, customer satisfaction and prompt funding. In addition, we have been able to secure financing for larger ticket items and special financing options. Glen Turnipseed goes the extra mile for us and makes himself very accessible. For these reasons, FinWise is who we turn to first. They get the bulk of our business and are a pleasure to work with.Ken T.Business Owner / Source: Google Reviews
Our retail store in Murray has worked with FinWise Bank for financing for our customers for several years and they are prompt, professional and extremely helpful with any questions regarding financing. Our closest contact there is Glen Turnipseed and he is a fantastic resource for us.Dave DespainBusiness Owner / Source: Google Reviews
We are a Hot Tub Dealer in the North West and have been working with FinWise for nearly four years. We have more customers that have used FinWise bank than I can count. The customer feedback has been overwhelmingly outstanding. Moses and Glen will bend over backward to accommodate our customers. They go so far as to call customers to remind them that their payment is approaching. And there are no junk charges built into any of their products. Having been in this industry for more than a decade, we have seen some lousy loan companies. FinWise is not one of them. We have recommended FinWise for years, and we will continue to do so. Thank you, FinWise for all your help!MikeFamily Pool and Spas
FAQs about point of sale lending program
Our experts answer your questions.
Do you charge pre-payment penalties?
No, the customer can pay off the entire balance at anytime with no fees.
What is your point of sale lending program process?
Your customer submits an application and, if approved, you can continue the routine sales process. Funding for their purchase occurs 1–2 business days after confirmation of delivery of product or completion of work.
What do you offer?
We offer a no-cost funding option to merchants as well as competitive rates for customers.
What are the requirements for your retail services?
- Must be a retail merchant within the verticals we serve.
- 3 years minimum in business.
- Must complete merchant application form.
FinWise moves you forward.
We adapt in ways traditional banks won’t. Learn how our forward-thinking philosophy benefits you.
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Our commitment to your financial well-being means we never sacrifice credibility for progress.