Much more than an easy-to-use financing platform.

SweetPay is a consumer lending platform used at the point-of-need. It seamlessly connects merchants/practices and their customers to top-rated lenders for instant loan offerings. This is done using SweetPay’s innovative technology platform designed by its founders’ years of consumer lending success.

Multiple lenders integrated into a secure, streamlined application process.

• Lenders have unique offers based on credit, and support most credit tiers.
• Offers made instantly and, once accepted, loan completion is fast and all digital.
• Direct-to-merchant funding available enabling immediate point-of-need transactions.

Direct-to-Merchant Financing

• Prequalify customers with just their contact information
• True Zer0 – A POS financing game changer
• Consumer driven process – little merchant involvement
• Strong prime, near-prime, and sub-prime loan terms

Direct-to-Consumer Financing

• Industry leading lenders tightly integrated into one platform
• Most credit tiers covered for maximum approvals
• Rates as low as 5.99% and loans up to $100,000
• Funding to consumers as soon as the next business day

Merchant Payment Plan

• Fully automated payment plan process
• Soft credit pull and bank account verification to limit exposure
• Configurable payment terms to meet your needs
• Complete servicing solution, including collections

Our members consist of businesses of all shapes and sizes who understand the value of providing customers with a way to pay-over-time at the point of sale.