Stop losing deals to “I can’t afford it.” Offer your customers payment plans, earn interest income on every sale, and sell your financing contracts on the marketplace whenever you need cash.
How It Works
01
Your customer gets a link. They apply, we pull credit, verify identity, and generate TILA-compliant docs — all automatically.
02
Your customer pays monthly. You earn the sale price plus interest income. A $5,000 job at 18% APR earns $1,800+ in interest.
03
Need cash now? One tap to list your contracts on the marketplace. Buyers purchase them, you get paid immediately.
See It In Action
Every user gets a dashboard built for exactly what they need. Switch between views to see how simple it is.
PORTFOLIO VALUE
$26,985
+$3,200 collected
MONTHLY INCOME
$2,112
94% on-time
INTEREST EARNED
$5,168
+12% vs last month
12
BORROWERS
10
ACTIVE
94%
ON-TIME
1
OVERDUE
ACTIVE CONTRACTS
Sarah Martinez
18% APR
$1,840
James Kim
15% APR
$7,438
Mike Roberts
22% APR
$1,160
Offer financing & earn interest
Try it free →Calculate Your Earnings
Enter a typical sale and see exactly how much interest income you’d earn by offering financing instead of losing the deal.
Quick Examples
Your Customer Pays
$491.67
/month for 12 months
Sale Price
$5,000
Total Paid
$5,900
You Earn Extra
+$900
Without Financing
$5,000
One-time payment
Customer says “I can’t afford it”
With XferCredit
$5,900
$491.67/mo × 12
+$900 interest income
Everything You Need
📋
Soft pulls from Experian, Equifax, and TransUnion. Know your customer's risk before you commit.
📄
TILA-compliant financing agreements, state-specific disclosures, e-signatures via DocuSign.
💳
Automated monthly payments via Stripe. Card, ACH, or bank transfer. We chase the late ones.
📊
Report to all three bureaus in Metro 2 format. Help your borrowers build credit.
🔔
Automated reminders, late fees, and escalation. We handle the uncomfortable conversations.
🏦
Sell your financing contracts on the marketplace. Rated, serviced, transferable — a new asset class.
By The Numbers
82%
of business failures are caused by cash flow problems
$1,800+
interest earned on a $5,000 contract at 18% APR
50
states with compliant financing templates
3
credit bureaus we report to
The Marketplace
When you need cash now — for expansion, retirement, an emergency, or a new opportunity — press one button and sell your financing contracts to buyers on our marketplace.
Contracts rated by borrower creditworthiness
Fully serviced — we continue collecting payments
Transferable with complete payment history
1.5% transfer fee, you keep the rest
Portfolio Value
$47,250.00
+$3,200 this month
Contracts
12
Monthly
$3,840
Interest
$640
Simple Pricing
$200
/month per business
Unlimited financing contracts
Credit pulls (Experian, Equifax, TransUnion)
Document generation + e-signatures
Automated payment processing
Collections + credit bureau reporting
Marketplace access
50-state compliance
Plus ~6% per payment processed · 10% collections · 1.5% marketplace transfers
START FREE TRIALJoin businesses nationwide who are turning one-time sales into predictable monthly income. Your business is your best investment.