Consumer
FinancingGood for Business
Finally! An affordable, hassle-free consumer lending platform with instant credit decisions and aggressive credit policies.
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Consumer
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Cash Flow
Offering financing options to your customers increases your company's cash flow. Many customers depend on payment plan offerings to be able to afford high-ticket purchases. Our multi-lender platform will approve Prime, Near-Prime and even Sub-Prime borrowers down to 550 FICO scores with affordable terms and fixed interest rates that result in a consistent monthly payment that never increases. Offering financing will result in more customers with purchase power and a higher average transaction size.
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Multiple Lenders
Enrolling in the ePay Finance consumer financing platform gives your customers access to up to 10 lenders with a single pre-application process. We blanket he borrower pool with offers for those with excellent credit expecting low, single-digit interest rates to those with sub-prime credit that are typically not desirable for most lenders. Many applicants receive multiple offers so they can choose the offer with the terms, interest rate and payment that best fits their budget. Initial offers are made without affecting credit scores.
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Hassle-Free
We make it easy. From enrollment and training to servicing your customers offers and loan applications. Its like having your own personal financing department. we provide you with the tools and training and then back it up with unmatched ongoing customer service to make sure the program exceeds your expectations. All activity and communication is tracked through our online merchant portal which provides real-time status updates on every applicant. Our platform was designed with simplicity and convenience in mind.
Flexible Monthly Payments.
| Loan Amount | $5,000 | $10,000 | $15,000 | $25,000 |
|---|---|---|---|---|
| Mo. Payment (As low as) | $152 | $235 | $352 | $483 |
| Term | 3 Years | 4 Years | 4 Years | 5 Years |
Platform Benefits
- No Business Type Restrictions
Traditional lending programs work with a very specific list of preferred business types. They also require have minimum "time in business" and "annual revenue" requirements to participate in their programs. At ePay Finance we work with virtually all legal business types with no miminum requirements. We work with businessses from small or new to home-based and web-based. - No Recourse
Borrowers are funded directly and participating merchants are notified upon funding to collect their fees. Not only is their no recourse to the merchant if the borrower defaults on the loan but merchants are only billed discount rates on collected fees. If a merchant decides to use the funds for another purpose, there is no cost to the merchant. - Custom Landing Page & Loan Application
Every participating merchant receives their own borrower application link and customlanding page. Merchants are able to have customers complete the application, on the fly, from any web-enabled device; such as a laptop, tablet or smart phone. Application links can be emailed or linked to from your website. - Fast & Flexible Offers
Our marketplace lending platform features immediate credit decisions and "check-your-rate" functionality which allows your customer to check approval terms without affecting your customer's credit score. Many applicants will receive multiple offers from more than one lender providing an opportunity to the customer to choose the offer that best suits their budget. - Get Paid Upfront
With traditional lending options the merchant is typically not funded until product is delivered or services are completed. This can be a problem in situations where completion of delivery of product or service is not immediate or when required materials must be purchased ahead of time. With our platform, merchants are notified upon funding and are able to collect a partial down payment or in full upon notification.
How It Works
- Customer submits one application
- Credit decision is provided in seconds.
- Loan offers are extended to the customer.
- ePay follows up with the borrower to go over the offers and answer any questions.
- Customer electronically signs the loan agreement and submits stipulations.
- The borrower is funded 3 to 5 days after loan completion.
- The merchant is notified of funding and collects funds from the borrower.
- ePay collects the 4.99% discount from the merchant 10 days after funding.
Discount is only applied towards collected invoiced amount.
What our customers are saying...
- "They make the entire loan process smooth, efficient, and stress free. You can trust them. It's like an in-house financing department without the negative side."Brett S. - Los Angeles, California
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