Offer credit to your customers without committing capital
Connect your e-commerce or physical store to Finvero's network of lenders. Your customer gets a credit offer at checkout, and you receive the full sale amount.
KEY METRICS
Proven performance in production on real portfolios.
By incorporating Finvero's multi-lender network, merchants increase cart conversion by 2x to 3x by recovering applications declined by a single bank.
Schedule your demoCart conversion
Origination request
Origination points
Merchant technical onboarding
*Results observed in Finvero client portfolios in Mexico. Results vary by portfolio, credit product, and risk policy of each institution.
The Challenge
Where you lose the sale before getting paid
Cart drops at checkout
Interest was already there: chose, compared, and reached payment. What is missing isn not convincing them, but a payment method independent of card credit limits.
- Can not afford cash payment
- and lacks card with available credit line
Single lender, single filter
When working with a single financial institution, you lose the customer they reject. It is not that they were not creditworthy, but that they did not meet that single criterion.
- Only one financing option
- a single criterion dictates your entire conversion
In-house credit drains capital
Financing from your pocket freezes cash flow, turns you into a collections department, and adds risk outside your business. Selling is your business; lending is theirs.
- Gets rejected and leaves your store
- What you collect is what survived
and lacks card with available credit line
a single criterion dictates your entire conversion
was not a bad customer: just bad for a single lender
a filter you do not control
How it works
Three ways to connect: E-commerce plugin · Native API & SDK · In-store QR. One onboarding fits all three.
Submit documentation, sign NDA and contract, and your store is registered on the platform.
Merchant documentation
Network evaluates & offers
We normalize sources, generate value features, and lenders compete for the application.
Digital Contract Signing
Customer signs digitally, lender disburses, and you reconcile on the Finvero platform.
Sign and onboard
Submit documentation, sign NDA and contract, and your store is registered on the platform.
- Merchant documentation
- Signed NDA and contract
- Onboarding notified to network
Connect your channel
Install plugin, integrate API, or generate QR codes for your products depending on how you sell today.
- Plugin: 1 day average
- API or SDK: 3 days average
- Per-product or universal QR
Network evaluates & offers
We normalize sources, generate value features, and lenders compete for the application.
- Employment, telco & consumer data
- Alternative risk & fraud score
- Lender waterfall per request
Sell and reconcile
Customer signs digitally, lender disburses, and you reconcile on the Finvero platform.
- Digital contract & note signing
- Portfolio status per credit
- Monthly reconciliation & totals
What Your Operation Gains
Direct impact metrics on speed and conversion of your credit sales.
More carts that actually close
Customers who couldn't pay upfront take the product today. The offer appears right in the channel where they were already shopping.
Sell on credit without lending
The lender provides capital and assumes default risk. You collect the full sale, keep cash flow liquid, and avoid running collections.
Setup without IT overload
Go live in 1 day via plugin; 3 days via custom dev. Merchant onboarding automatically notifies lenders across the network.
One link, full network
No need to integrate individual lender contracts. Connect once, and lenders enter or exit the waterfall without touching your store.
Comparison by Provider Category
| Capability | Single Lender BNPL | Payment Gateway (Installments) | Merchant In-House Credit | Finvero |
|---|---|---|---|---|
| Capital provider & risk taker | The BNPL lender | The cardholder | You | Network lenders |
| Credit criteria seen by customer | Single criteria | Issuing bank criteria | Your own criteria | Entire waterfall criteria |
| Reaches customers without cards | Partial | No | Yes, with your capital | Yes, with alt score |
| Same setup for physical store & e-commerce | Partial | Partial | N/A | Yes |
| Portfolio status & reconciliation in 1 place | No | No | In your ERP | Yes, on platform |
Who Uses It
Solution designed for e-commerce, retail stores, electronics, and mobility.
Retail & Supermarkets
Finance high-ticket floor items via per-product QR without altering checkout workflows.
E-commerce
Recover carts abandoned at payment using a simple plugin on your existing store.
Electronics & Mobile
Convert price inquiries into financed sales on the very same day of the visit.
Health & Wellness
Enable procedures and memberships patients couldn't otherwise pay upfront.
Motorcycles & Mobility
Offer vehicles to buyers rejected by brand financing without losing the sale.
Services & Education
Spread tuition and service packages into monthly payments without funding them yourself.
Operational Voices
“I know how many carts drop at payment. What I don't know is how many of those were good customers for someone else.”
“I won't start a three-month dev project just to test if credit boosts my conversion.”
“Financing from cash reserves boosts sales but chokes cash flow. I need the sales without the bottleneck.”
FREQUENTLY ASKED QUESTIONS
Everything you need to know about Finvero Merchant Solution