Direct-to-Merchant Financing

Direct-to-Merchant Financing

Innovative Financing for General Retailers, Practices, and Contractors

SweetPay Direct-to-Merchant is a game-changing consumer financing program. As an industry leader in point-of-sale consumer financing SweetPay combines credit prequalification, true 0% interest, and financing options across credit tiers in a single application process at a merchant-friendly price point.

Innovative Financing for General Retailers, Practices, and Contractors

SweetPay Direct-to-Merchant is a game-changing consumer financing program. As an industry leader in point-of-sale consumer financing SweetPay combines credit prequalification, true 0% interest, and financing options across credit tiers in a single application process at a merchant-friendly price point.

Preapproved woman on phone app

The Power of Prequal

Empower your customers and staff with the knowledge that a specific loan offer is highly likely while they shop, online or in-practice. This will motivate them to shop at your practice with confidence that they have a pay-over-time method to make a purchase.

Your practice can add a QR code to its website, digital ads, and/or print ads to generate prequalification. Your staff is immediately notified with the patient’s contact information. Reach out and encourage the prequalified patient into your practice.

Prequalified Woman

The Power of Prequal

Empower your consumers and staff with the knowledge that a specific loan offer is highly likely while they shop, online or in-practice. This will motivate them to shop at your store with confidence that they have a pay-over-time method to make a purchase.

Your practice can add a QR code to its website, digital ads, and/or print ads to generate prequalification. Your staff is immediately notified with the consumer’s contact information. Reach out and encourage the prequalified consumer into your store.

No More “Gotcha” Financing

Finally! Point-of-sale financing that truly is 0% interest for prime and near prime credits. No more “gotcha” financing, like traditional deferred interest financing programs.

Offer your customer a promotion term of 6, 12, or 18 months at 0% interest. They will get a loan offer of 36 or 60 months (depending on loan size) and, for the promotion period, they will only pay principal payments. Then, after the promotion period, they continue making low monthly payments with accrued interest, at an annual APR of 19.99%, on the outstanding balance for the remainder of the term. Of course, they can pay off early with no penalty.

TrueZero General Retail

No More “Gotcha” Financing

Finally! Point-of-sale financing that truly is 0% interest for prime and near prime credits. No more “gotcha” financing, like traditional deferred interest financing programs.

Offer your consumer a promotion term of 6, 12, or 18 months at 0% interest. For the promotion period, they will only pay principal payments. After the promotion period, they continue making low monthly payments with accrued interest, at an annual APR of 19.99%. Of course, they can pay off early with no penalty.

TrueZero General Retail

Inclusivity Accomplished With Our Credit Waterfall

The benefit of multiple lending options covering multiple credit tiers with the simplicity of a single, streamlined application process.

Inclusivity Accomplished With Our Credit Waterfall

The benefit of multiple lending options covering multiple credit tiers with the simplicity of a single, streamlined application process.

Credit tiers waterfall

How It Works

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