Home Improvement Financing

Elevate your home improvement consumer finance offer with our embedded lending platform. Our waterfall financing model will match your customers to best-fit personalized financing options, covering prime, near-prime, and subprime options. Wherever and however your customers shop, online, in-store, or even from the comfort of their own homes, our omnichannel lending capabilities ensure a fast and seamless consumer finance experience, integrated at every point of sale. It’s not just your shoppers who benefit from a simplified experience, our embedded lending platform has easy post-sale management and valuable analytics to help your business grow.

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chargeafters revolving line of credit from its embedded finance platform chargeafters revolving line of credit from its embedded finance platform

Say goodbye to painful integrations and declined financing

Say hello to a seamless embedded lending experience and increased approvals

Waterfall-Consumer-Financing_ChargeAfter Waterfall-Consumer-Financing_ChargeAfter

The problem

Home improvement is expensive and homeowners face challenges in budgeting for renovations, often needing to compromise on their desired projects. Economic factors like inflation and interest rates also impact loan accessibility for home improvements, making it difficult for many to finance their renovation projects. Merchants and suppliers can struggle to provide their customers with consumer finance that covers the credit spectrum and is easily accessible at every point of sale.

The solution

ChargeAfter’s embedded lending platform offers a solution for home improvement retailers and contractors. In a single application homeowners apply to multiple lending options and are matched with the best financing options for their personal circumstances through our waterfall financing technology. This approach provides flexibility and convenience, reducing the financial strain of home improvement projects. As well as enabling affordability to shoppers, the platform helps merchants to increase conversion and AOV.

Easily connect
to multiple lenders


Get up and running quickly with rapid integrations and accelerate time-to-market with a swift onboarding process that connects multiple lenders to every point of sale through our APIs, SDKs, and ecommerce extensions.

chargeafter integration with ecommerce platforms - woocommerce - shopify - hypris - big commerce - magento - nop commerce - miva

Configure your waterfall cascade with primary, secondary, and tertiary lenders of your choice. Build a lending offering that covers multiple segments, products, and geographic locations, all tailored for your brand.

embedded lending with waterfall finance with primary lenders - secondary lenders - tertiary - lenders B2B lenders and BNPL lenders

Business users can easily customize the platform to adapt for any needed changes. For example, they can switch lenders, update policies, and connect to new lending products, empowering them with greater flexibility and control.

customizable waterfall lending to switch lenders - update policies & connect new lending options in the embedded lending system

Our lender network

Check out the financial partners driving more approvals at your point of sale

Learn more
chargeafter lending partners and lender partner network for consumer financing utilizing chargeafters embedded lending platform
ChargeAfter embedded lending partner - Wells fargo
ChargeAfter embedded lending partner - VISA
ChargeAfter embedded lending partner - near-prime lenders - Fortiva Retail Credit
Chargeafter embedded lending partner - Citi
Chargeafter embedded lending partner - Citizens
bread financial chargeafter prime lender partner
ChargeAfter embedded lending partner - Flex Shopper
ChargeAfter embedded lending partner - Progressive Leasing
ChargeAfter embedded lending partner - OKINUS
chargeafter embedded lending partner - Acima
ChargeAfter embedded lending partner - subprime lenders - Katapult
ChargeAfter embedded lending partner - Koalafi
ChargeAfter embedded lending partner - near-prime lenders - Concora Credit
ChargeAfter Partners
ChargeAfter embedded lending partner - Tabit
ChargeAfter embedded lending partner - VIVE
ChargeAfter embedded lending partner - prime lenders - Latitude Pay
ChargeAfter embedded lending partner - Zip
ChargeAfter embedded lending partner - subprime lenders - Snap finance
ChargeAfter embedded lending partner - Card based BNPL Buy Now Pay Later - afterpay
Allegro Credit financing by Synchrony Bank - ChargeAfter Embedded lending strategic partner

Unleash the power of the
Embedded Lending Platform

Consumer financing with Chargeafter

Boost approvals

Join merchants across the globe reporting approvals of over 80%.

Consumer financing with Chargeafter

Guaranteed security

We are fully secure and protected, giving you peace of mind.

Consumer financing with Chargeafter

Build loyalty

Build your customer base with more approvals - they’ll remember you for it.

Consumer financing with Chargeafter

Leverage data

Optimize your financing

offers with powerful consumer
financing analytics.

Consumer financing with Chargeafter

Unlock choices

Our embedded lending network accommodates any customer, regardless of their credit history or score.

Consumer financing with Chargeafter

Future proof

Integrate any lender and consumer finance product into your embedded lending offer.

ChargeAfter is revolutionizing consumer financing worldwide for businesses like these.

With ChargeAfter, we have the peace of mind that our point-of-sale financing is powered by a proven platform and deep industry expertise, so we can focus on giving our customers a superb furniture buying experience.

Christopher Lloyd Director of Payment Solutions

ChargeAfter was a game-changer for us. We saw a 67% increase in financing applications with high and stable approval rates. It’s clear that our customers love the flexibility and convenience that ChargeAfter provides.

George Burt ChargeAfter consumer financing
George Burt Vice President of e-commerce & Omnichannel

As more of our customers request improved financing options, our priority is to meet this demand and provide a first-class experience that reflects our ethos of embracing change. ChargeAfter’s embedded lending platform supports this vision as it easily connects clients to multiple lenders in a fast and seamless process.

Tom Weber CEO