For lending, payments, and platform partners
Lenders already solved the hard problems: fast underwriting, clean APIs, strong economics. Volume still dies at the merchant layer, where financing sits beside the sale instead of inside it. Waveforce is the activation layer that closes that gap, inside the quote, the invoice, the checkout, and the rep's phone.
Beside the sale
genericlender.com/apply?id=88412
A link the merchant forgets and the customer never opens.
Inside the sale
Monthly payments on the quote, the invoice, and the checkout.
What a partner gets
Waveforce brings the merchants, puts your product inside their daily workflow, and reports what happens next.
Over 2,000 merchants across 20+ verticals, segmented by how broken their current financing is. The bars show how many in each tier have unclear or missing financing today.
Established demand
58% of 308 merchants
Fragmented, ready to activate
66% of 553 merchants
Under-surfaced opportunity
82% of 392 merchants
From Waveforce merchant research, by vertical and financing maturity.
Your product stops being a link merchants forget and becomes part of how they sell.
Applications, approvals, funded deals, and merchant engagement, tracked per merchant and per vertical. You see which lanes produce volume before deciding where to expand.
Built, not pitched
Two motions, working today. Open either one and walk the same flow a customer walks.
A home improvement merchant running quotes, branded invoices with a finance option, the dashboard, and follow-up. The in-home close with monthly payments at the table.
High-ticket online retail with pre-approval that follows the buyer through shopping and financing built into checkout, so the approved amount books to the order.
The rollout
Each lane has a working demo, a real merchant path, and a template the next vertical reuses.
Roofing, windows, HVAC, garage doors. Financing belongs inside the in-home close, and contractors want payment without post-job friction. The shortest path from demo to onboarded merchants.
High-ticket online purchases where pre-approval follows the buyer through shopping. Proves the model outside home improvement, in a category where current financing options fall short.
Personal, expensive purchases where financing should feel embedded in the estimate and payment flow, not a separate portal. Extends the motion into healthcare.
“These are not the only verticals. These are the first three lanes where the path from demo to merchant onboarding is shortest.”
The economics
Waveforce earns the merchant once, then becomes the workspace they run every day. That turns a single product into an ongoing relationship for a partner.
The merchant
One Waveforce workspace
Financing
Through an institutional lending partner
Card payments
Pay-now on the same branded link
Bank / ACH
Lower-cost payment option
Merchant services
One workflow the team runs daily
Retention & follow-up
Re-engage shoppers who don't finish
For partner and provider discussions. Financing is delivered through an institutional lending partner; partner economics are covered in sales-approved materials.
Merchant intelligence
Waveforce reviews public merchant sites, spots weak financing experiences, scores fit, and turns the strongest opportunities into a prioritized onboarding map.
Research map Illustrative
2,000+ sites reviewed| Vertical | Reviewed | Financing visible | Workflow gap | Fit | Priority |
|---|---|---|---|---|---|
| Home improvement | 480 | Sometimes | Generic lender page | High | Now |
| Powersports & e-moto | 260 | Rarely | No financing in checkout | High | Now |
| Audiology & hearing | 190 | Rarely | Quotes, no apply path | Medium | Next |
| Luxury & garage | 140 | Sometimes | Financing beside the sale | Medium | Next |
| Furniture | 320 | Often | Weak follow-up | Medium | Watch |
Built from public website review plus human review, not private data. Verticals and figures are illustrative.
Honest status
We would rather show you exactly where the product stands than promise financing that isn't approved to go live yet.
Customer-facing financing turns on after required lender approval and launch checks. Financing terms and fees are set by the provider.
The merchant path is easy. The partner path should be too.
Financing runs through FDIC-insured lending partners. Waveforce is the technology layer, not the lender.