Platform → Consumer Financing

Give Customers
More Ways to Pay.
Close More Sales.

When customers can't pay in full upfront, you lose the sale. MARGN connects you with the right financing programs - BNPL, in-house plans, third-party lenders - so more customers say yes. Free to set up, free to advise.

Get Started How It Works
+20%
Avg. conversion lift
+35%
Avg. ticket size increase
Avg. ticket size increase
Buy Now, Pay Later (BNPL)
Klarna, Affirm, Afterpay - instant approval, zero risk to you
Third-Party Installment Plans
Synchrony, LendingClub, Katapult - longer terms, higher ticket sizes
In-House Financing
Your own payment plans - full control, deeper customer relationships
Healthcare & Specialty
CareCredit, Alphaeon - purpose-built for elective and medical services

Customers Want to Buy. Don't Let Price Stop Them.

Research consistently shows that offering financing increases conversion rates, raises average order values, and drives repeat business - in every industry.

Higher Conversion Rates

Customers who might hesitate at a full upfront price will often say yes when offered a manageable monthly payment. Financing removes the biggest barrier to the sale.

Larger Average Ticket

When customers aren't constrained by what they have in their account today, they spend more. Businesses offering financing typically see 20–35% higher average transaction values.

You Get Paid Upfront

With third-party financing, the lender takes on the risk - not you. You receive full payment immediately while the customer pays the lender over time.

We Match You to the Right Program

Not every financing program fits every business. We evaluate your industry, average ticket size, and customer profile to find the best fit - not just the most popular one.

Fast Approval for Customers

Modern BNPL and installment programs approve customers in seconds - at the point of sale, on your website, or in the field. No friction, no lost momentum.

Free to Set Up

MARGN earns from financing partners - so our advisory is always free to you. We do the research, handle the applications, and stay through implementation.

Every Type of Financing, One Advisor

We work across the full spectrum of consumer financing - from instant BNPL to long-term installment plans to in-house programs you control.

Buy Now, Pay Later

Best for: lower ticket sizes, e-commerce, retail

BNPL programs let customers split purchases into 4 interest-free installments. Approval is instant, integration is seamless, and you get paid in full immediately.

  • Klarna, Affirm, Afterpay, Sezzle
  • Instant approval at checkout
  • No risk to the merchant
  • Works online and in-store

Third-Party Installment Plans

Best for: higher ticket sizes, home services, healthcare

For bigger purchases, longer-term financing programs give customers 6–60 months to pay. Ideal for contractors, medical providers, and high-ticket retail.

  • Synchrony, LendingClub, Katapult
  • Terms from 6 to 60 months
  • Promotional 0% APR options
  • Merchant receives full payment upfront

In-House Financing

Best for: businesses wanting full control and deeper loyalty

Run your own payment plans with software that manages the lending, reminders, and collections - without a third party taking a fee or owning the customer relationship.

  • You own the customer relationship
  • Higher margins than third-party programs
  • Automated billing and reminders
  • Builds long-term loyalty
+20%
Average increase in conversion rate after adding financing
+35%
Average increase in ticket size for financed transactions
68%
Of consumers are more likely to complete a purchase when financing is offered
$0.
Cost to implement financing through MARGN - ever

Up and Running in Days, Not Months

We handle everything from program selection to implementation - so you can focus on selling.

1
Profile Your Business
We assess your average ticket size, industry, customer profile, and current checkout flow to identify the right financing fit.
2
Compare Programs
We lay out your best options side by side - merchant fees, approval rates, customer terms, and integration requirements.
3
Handle the Application
We manage the merchant application process with your chosen financing partner - no back-and-forth on your end.
4
Go Live
We coordinate integration with your POS or website and make sure your team knows how to offer financing at the right moment.

Financing Works Across Every Industry

If your customers ever hesitate at the price, financing is the answer.

Small & Midsize Businesses

Retailers, contractors, health & wellness, automotive - any business with a ticket size over $200 can benefit immediately from offering financing.

Get matched for free →

B2B

B2B businesses offering high-ticket products or services can use financing to close larger deals and reduce friction in the sales process.

Talk to an advisor →

Enterprise

Multi-location businesses need financing programs that work at scale - consistent approval rates, centralized reporting, and seamless POS integration.

Talk to an advisor →

More Ways to Pay. More Sales.

Businesses that add financing don't just close more sales - they close bigger ones.

★★★★★
"We added Synchrony financing for our higher-ticket HVAC installs and immediately saw customers say yes to full system replacements instead of just repairs. Our average job went from $800 to $3,200."
Tony B.
Owner, HVAC contractor · South Jersey
★★★★★
"MARGN set us up with a BNPL option for our med spa. Patients who used to decline premium treatments now book without hesitating. It's been a game changer for our revenue."
Dr. Lisa M.
Owner, Medical spa · Pennsylvania

Ready to Offer Financing?

Tell us about your business and we'll identify the right financing programs for your industry and ticket size - free, with no obligation.

Explore My Options - Free