Turn sticker shock into monthly payments

There is no enrollment fee or monthly software cost. When a customer completes an eligible financed purchase, the financing partner applies a merchant fee to that funded sale. The fee varies by industry and program, may be as low as 0%, and is confirmed before you begin.

Promotional 0% APR offers may be available to qualified customers. These offers carry a higher merchant fee than standard interest-bearing plans. Your available programs and merchant fees are confirmed before launch.

Waveforce helps your business find the right financing option and get started. The financing partner reviews each application, funds the purchase, and handles customer repayment and loan servicing. Your business is paid upfront on completed, approved financed sales and does not collect the customer's monthly loan payments.

Eligible purchase amounts currently range from $300 to $25,000, with standard terms from 3 to 60 months and APRs from 0% to 24.99%. Some eligible home-improvement businesses may be able to offer terms up to 84 months. Actual amounts, terms, and rates depend on the program, purchase, and customer approval.

You can introduce financing during a quote, invoice, in-home appointment, showroom conversation, or online sale. Depending on your setup, the customer can receive a secure payment request or link, or see financing inside a supported sales flow. Available methods vary by program and setup.

No. You can offer financing while keeping your existing payment processor. Some programs require an active merchant processing account, but you do not have to replace your current processor to offer the financing program available through Waveforce. We confirm the requirements before enrollment.

Yes. You can generally add a financing option through Waveforce alongside an existing program. Any provider-specific restrictions are confirmed before enrollment, but speaking with Waveforce does not require you to remove the financing option you already have.

With the financing program currently available through Waveforce, seeing available loan options does not affect the customer's credit score. After the customer chooses an option, the financing partner may request a full credit report, which could affect the score. The customer is told before confirming the loan and completing the purchase. There is no single published credit score that guarantees approval.

Yes. A customer can apply for the amount they want to finance instead of the full purchase amount, as long as that amount is within the available range and approved. The customer can pay the remaining balance separately using a payment method your business accepts.

Not every customer will qualify. The financing partner makes the decision and notifies the customer. If no financing transaction is completed, your business is not charged a merchant fee for that application.

If a sale is canceled before the financing transaction settles, the transaction may be voided. After settlement, full or partial refunds may be available. The exact process and timing depend on the financing partner and transaction status, and Waveforce will help direct you to the correct process.

Eligibility depends on your industry, location, products or services, and the financing partner's program guidelines. Waveforce confirms the fit before enrollment. Once approved and enrolled, most merchants can begin offering financing within days, with no software to install or maintain.