Most customers want to buy. They just can’t pay all at once. NPP’s financing solutions let them spread out payments — and let you close the deal on the spot. You get the sale. They get what they need. Everyone wins.
Customers are far more likely to commit when payments are broken into manageable chunks.
When price isn’t a barrier, people spend more. Simple as that.
Payment flexibility builds goodwill — and loyal customers who come back.
Your customer applies for financing directly through NPP. In seconds, they receive real-time loan offers from a network of trusted lenders. Terms are tailored — monthly payments, interest-free options, and flexible timelines — making big purchases feel manageable.
Once approved, you’re paid in full — right away. No chasing payments. No worrying about defaults. The money hits your account, and the sale is closed.
Your customer completes the transaction, then pays it off in installments that work for their budget. You earn the full sale now — they pay over time. Everyone walks away satisfied.
Ideal for lower-ticket purchases. Customers buy what they want today and pay over time — interest-free, with no hidden fees. It removes hesitation and replaces it with action.
Customers apply for financing directly, and the funds are deposited fast. No delays, no hoops. They get what they need — and you close the sale without friction.
You make the sale. We pay you upfront. The customer repays the lender over time. No collections, no risk — just the full amount in your account, right away.
We cut your credit card costs to zero. Use our Acceptcreditcard4free™ program and save instantly — or pay even less with ACH.
No new hardware. No tech headaches. Our financing tools plug right into your current system and start working from day one
Your customers don’t wait — they buy. We deliver financing decisions in minutes, so you never lose a sale to a delay.
Flexible plans. Interest-free options. Repayment that fits your customer — and keeps them coming back.
Here are some real-world examples of how NPP’s business capital financing solutions have helped businesses thrive:
If your business is approved for direct-to-merchant funding then once the customer is approved for financing, you will receive payment usually within 24 hours. No more waiting around for customer payments! If you are setup for direct-to-customer funding then your customer will receive the fnanced amount in their account, in which case they’d pay you as their normally would via cash or card payment.
Once a customer is approved and financed, repayment is handled between the lender and the customer. That means our merchants are not responsible if the customer defaults, which helps make customer financing a lower-risk option for offering flexible payment choices.
Yes. financing amounts currently range from $1,000 to $100,000, with terms up to 84 months for qualified customers. With financing available across all credit levels, this gives businesses a flexible way to support both moderate and larger-ticket purchases.
BNPL, or Buy Now Pay Later, and customer financing give your customers more flexible ways to pay for their purchases over time instead of paying the full amount upfront. That can make larger purchases feel more manageable while helping your business create more sales opportunities.
Customer financing allows eligible customers to split purchases into smaller payments through a financing solution offered at checkout or during the sales process. For businesses, this can make it easier to close sales by giving customers more room in their budget.
BNPL usually refers to shorter-term installment payment options, usually 45-120 days. Traditional customer financing may offer longer payment terms for larger purchases. Both are designed to give customers more flexibility, and the right option depends on your average ticket size and how your business sells.
Businesses offer BNPL and financing because it can help reduce purchase hesitation, improve affordability, and make it easier for customers to move forward with a purchase. In many cases, it also helps businesses increase conversions and offer a better overall buying experience.
Yes. Customer financing can help increase sales by making larger purchases more accessible and reducing the pressure of paying the full amount at once. When customers have more payment flexibility, they may feel more confident completing the transaction.
Customer financing can be a strong fit for many businesses, especially those with higher average ticket sizes or services customers may not want to pay in full upfront. It can work well for home services, medical, wellness, retail, specialty services, and many other businesses that want to offer a more flexible path to purchase.
No. BNPL and customer financing can support both online and in-person businesses, depending on how payments are offered. That gives merchants more flexibility in how they present financing options to customers across different selling environments.
Yes. Financing can help customers move forward sooner by reducing the immediate financial burden of a larger purchase. That creates a smoother buying experience and can help prevent lost sales caused by upfront cost concerns.
No. Customer financing is typically offered alongside your existing payment methods, giving customers another way to pay rather than replacing standard card or payment options. This makes your payment experience more flexible without overcomplicating the sale.
Yes. Customer financing is especially helpful for higher-ticket products or services where price can otherwise become a barrier. Offering payment flexibility can make those purchases feel more realistic for customers and easier for your team to close.
Yes. Giving customers more ways to pay can create a more convenient and supportive buying experience. When customers feel like they have options, the sales process often feels easier and more comfortable from the start.
If your customers ever hesitate because of price, need flexibility at checkout, or would benefit from paying over time, customer financing may be worth adding to your business. The right program should support your sales process, not make it harder. Talk to our specialist and we’ll let you know if it’s the right fit or not.
It shouldn’t. A good financing solution is designed to make the process feel simple and easy to understand for both your team and your customers. When implemented well, it can enhance the sales experience instead of slowing it down. That’s our goal, that’s what you deserve.
Adding BNPL or customer financing can help your business remove friction at the point of sale, support larger purchases, and give customers a more flexible way to buy. If you want to make saying yes easier for your customers, this can be a smart place to start. Plus, our customer financing solution helps businesses get a leg up on their competitors.
