In-House Payment Plans
The business creates its own payment arrangement and generally manages customer balances, payment schedules, and follow-up internally.
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CUSTOMER FINANCING SOLUTIONS
Give Customers More Ways to Pay Without Becoming the Lender
Customer financing can help businesses make higher-ticket purchases easier to move forward with. The challenge is choosing a solution that fits the way your business actually sells, serves customers, and manages cash flow.
Flexxbuy gives businesses access to third-party customer financing through a simple merchant platform, while the lending relationship remains with participating lenders.
A simpler way to offer financing
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Share your application
Use your branded application page, link, or QR code.
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Customer explores financing
Participating lenders handle the financing relationship.
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Stay visible in the process
Track relevant application and offer information in the merchant portal.
35+Lender Options
FastApplications
SimpleMerchant Setup
START WITH THE BUSINESS MODEL
Not All Customer Financing Solutions Work the Same Way
Businesses often compare financing options based only on what the customer sees. But the merchant-side differences can be just as important: who carries the balance, who handles underwriting, how much administrative work is created, and how financing fits into the sales process.
Single-Lender Financing
The business offers financing through one lending provider. This can simplify the relationship, but the customer's available financing path depends on that lender.
Multi-Lender Financing Platforms
A platform like Flexxbuy can give merchants access to multiple third-party financing options while keeping the financing relationship with participating lenders.
WHAT TO EVALUATE
What Businesses Should Look for in a Customer Financing Platform
A financing solution should fit both the customer experience and the merchant's operations. These are some of the most important areas to compare before choosing a platform.
Lender breadth
More financing options can give businesses a broader way to serve customers with different financing profiles and needs.
Application experience
The process should be easy to share, easy for customers to understand, and simple to use during a live sales conversation or online.
Merchant visibility
Businesses should be able to see where a customer is in the process without needing to become the lender or perform underwriting.
Cash-flow impact
Consider whether the business is expected to carry customer balances or whether financing proceeds can be used after final funding.
Administrative burden
Look at who handles financed balances, payment servicing, underwriting, and the ongoing lending relationship.
Operational fit
The best solution is one that fits naturally into the way your team already sells, communicates, and serves customers.
THE MERCHANT PERSPECTIVE
Why Third-Party Financing Can Reduce Internal Complexity
When the business carries the balance
In-house payment plans can create work that continues long after the sale. The merchant may need to track balances, reconcile installments, answer payment-account questions, and follow up on late or missed payments.
When a lender carries the financing relationship
Third-party financing can separate the merchant's normal customer-service responsibilities from the financing account itself. The lender handles the lending relationship, while the merchant stays focused on the product or service being sold.
Businesses that want a deeper look at the operational differences can review how Flexxbuy works and compare the merchant workflow before deciding which model fits best.
HOW FLEXXBUY FITS
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A Customer Financing Platform Built Around the Merchant Workflow
Flexxbuy is not the lender and does not underwrite customer applications. The platform is designed to help businesses make third-party financing available while maintaining visibility into the process.
Set up your business
Enroll and receive the tools needed to begin offering financing to customers.
Share your application
Use a branded application page, direct link, or QR code wherever it fits your sales process.
Customer explores options
The customer moves through the financing process with participating lenders.
Stay informed
View relevant offer and application status information through the merchant portal.
BUILT FOR HIGHER-TICKET SALES
Customer Financing Can Fit Across Many Types of Businesses
The same core financing platform can be positioned around the products, services, projects, treatments, programs, or purchases a business offers. The financing model stays consistent even when the customer need changes.
Services & Professional Businesses
Consulting, legal, tax, business services, marketing, technology, and other professional service categories.
Healthcare & Personal Care
Medical, dental, wellness, aesthetics, veterinary, and other treatment- or procedure-based businesses.
Projects, Products & Equipment
Home improvement, automotive, retail, education, travel, commercial equipment, and other higher-ticket purchases.
COMPARE YOUR OPTIONS
Choose the Financing Setup That Fits the Way Your Business Operates
Customer financing should make the buying process easier without creating unnecessary complexity for the merchant. Review how Flexxbuy works, then compare plans and choose the setup that best fits your business.
