The Embedded Lending Platform

The only platform you’ll ever need to streamline the omnichannel lending journey, from application to approval to post-sale management.

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multi-lender embedded lending network with waterfall Financing by ChargeAfters direct to consumers mobile

Platform-powered financing

We connect shoppers, merchants, and financial institutions where
and when it matters most – the point of sale.

embedded lending platform with Multiple lenders & products

Multiple lenders & products

embedded lending platform with full credit spectrum coverage

Full credit
spectrum coverage

waterfall financing real time matching

Real-time matching

Extensive lending network - multi-lender platform

Extensive lending network

white label consumer financing for banks

White label

Give customers a frictionless,
omnichannel experience

Now your customers can apply for financing and be seamlessly matched with perfect-fit choices at any stage of their journey within a single platform.

flow of omnichannel financing experience from any place and any device
white-label consumer financing - flow of omnichannel financing experiance

Any product, any lender, anywhere

Effortlessly connect with lenders in multiple countries, providing your customers with a wide range of financing choices. Our platform makes it simple and straightforward
to add, remove, and manage financial products.

ChargeAfter consumer financing revolving credit lenders. Prime: Citi, TD Bank. Near prime Concora Credit, Fortiva
ChargeAfter embedded lending installment loan partners for prime - near prime & BNPL - VISA - Great American Finance - ZIP
chargeafter b2b financing partners - tabit - credit key

Automated real-time matchmaking
at the point of sale

Our Waterfall Matching Engine instantly analyzes loan applicants and processes their applications through a multi-lender cascade of relevant prime, near-prime, or subprime, and B2B offerings to find a perfect match.

embedded finance platform with flow showing waterfall finance to produce the best financing offer
embedded finance solutions with flow showing waterfall financing to produce the best financing offer

All customer financing data, at your fingertips

Drive your business decisions with point-of-sale financing data. Identify sales opportunities, personalize offerings, strengthen customer relationships, and manage the entire financing cycle end-to-end.

Post-sale management

Leverage our all-in-one back office dashboard to view and manage all post-sale activities, including charges, settlements, refunds, and reconciliation. Review real-time updates on performance, volume, and order information, to identify opportunities to optimized your lending programs.

white-label pos system all-in-one back office dashboard to view and manage all post-sale activities white-label pos financing platform dashboard with detailed consumer loan reporting on individual transactions
Resolution center

Resolve customer disputes efficiently from our resolution center. Merchants and lenders can communicate directly to manage disputes with advanced tools to track, process, and resolve cases.

embedded finance platform by ChargeAfter with dispute management track, process, and resolve cases consumer finance platform with full analytics to optimize consumer financing - plan marketing and enhance loyalty programs
Analytics

Get a full view into all lending data in order optimize financing offerings, plan marketing and retargeting campaigns, enhance loyalty programs, and identify opportunities to increase your customers’ average order and lifetime value.

AVG Credit representation in ChargeAfter embedded lending Platform ChargeAfter embedded lending Platform Dashboard

Easy plug & play integrations for every point of sale

ChargeAfter embedded lending Platform connectivity options Consumer Financing options provided by ChargeAfter
ChargeAfter embedded lending Platform

One click integration to leading ecommerce platforms 

ChargeAfter embedded lending Platform

API and SDK integration kit to built your own eCommerce checkout experience

ChargeAfter embedded lending Platform data representation

Custom integration to in-store POS or our ready made sales app

It’s embed time

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POS financing built for enterprises

Instore consumer financing

For merchants

With a single POS financing application, your customers are matched with multiple lenders and personalized financing choices at every point of sale.

ChargeAfter embedded lending Platform

For financial institutions

Leverage our white-label financing platform to create, manage, and distribute any consumer financing product at scale within one streamlined experience.

Resources

Increased consumer financing and high approval rates with ChargeAfter

Jerome’s Furniture

Discover how Jerome’s Furniture increased customer financing adoption by 67% with high approval rates.
The Retailers Guide to consumer financing

The Retailers Guide to Consumer Financing

Everything you need to know about how to offer a consumer financing experience that will keep your…
navigating Consumer financing retails' survey

2023 Retailers’ Survey

We commissioned a survey of 100 executive retail decision makers in the US for a fascinating look…