Give your customers
more flexibility to pay.
Help turn “maybe later” into a purchase. Give eligible customers a way to pay over time, with ONKORE guidance on setup, costs, and fit.
Subject to merchant eligibility, customer credit approval, and program terms.
More ways
to move forward.
The purchase
A bigger possibility.
Eligible purchases and services
The options
Flexibility to pay.
Customer terms set by the lender
The repayment
Handled by the lender.
Your business receives funding under program terms
Eligible base plans may offer a 0% merchant financing fee.
Customer APR is separate. Program eligibility, other applicable charges, and terms apply.
Why offer it
More flexibility.
More ways forward.
Payment flexibility can support the sale when upfront cost is the barrier.
Sales impact varies by business, customer demand, approvals, and terms. Higher sales or larger purchases are not guaranteed.
Help more customers move forward
Give eligible customers a way to pay over time when upfront cost is a barrier. This may help more buyers complete a purchase.
Merchant payment under program terms
Receive the financed amount up front under program terms while the provider collects customer repayments. Confirm funding timing and conditions at enrollment.
Support larger purchase decisions
Financing may help customers consider a fuller project or purchase. Borrowing should fit their needs and ability to repay.
A clear path from purchase to payment
After merchant enrollment, the customer applies directly with the financing provider.
- 01
Share an application link
Once your business is enrolled, send the provider’s supported application link for an eligible purchase.
- 02
Your customer reviews their options
The customer applies directly with the lender. If approved, they review the available APR, payment schedule, and total repayment before choosing.
- 03
You receive funding; they repay the lender
For completed financed purchases, your business receives funding under program terms. The lender manages the customer’s loan repayments.
Is customer financing right for your business?
Explore financing for larger purchases and services. Industry and purchase eligibility are confirmed at enrollment.
Home improvement & contractor services
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Larger projects and repairs where customers often prefer to spread out payments.
Healthcare, where eligible
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Out-of-pocket treatment costs at enrolled practices, where the program supports the provider type.
Retail & specialty stores
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Higher-value customer purchases in store or initiated by request.
Professional & personal services
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Service engagements where customers may want installment options.
Lodging & hospitality
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Bookings and group stays, where the program supports the merchant.
Examples reflect published provider use cases; availability varies by merchant, purchase, and program.
For healthcare practices
More payment flexibility. Fewer upfront cost barriers.
Give eligible patients a way to spread out-of-pocket treatment costs over time.
For healthcare practices
Support treatment acceptance
Give eligible patients another way to consider recommended treatment, without promising an outcome or encouraging unnecessary care.
Patients apply directly
The financing provider presents available offers and terms and makes all credit decisions.
The lender handles repayments
The provider services the loan and collects patient repayments; merchant funding follows program terms.
Practice, treatment, and patient eligibility vary. Financing is subject to lender approval and offered terms. ONKORE is not a lender. Do not send patient or medical information through the inquiry form.
Choose how financing fits your business
Merchant financing fees and customer interest are separate costs.
Base financing
Interest-bearing customer plans
- Business cost
- Eligible plans may offer a 0% merchant financing fee. Other applicable charges follow your agreement.
- Customer cost
- The customer pays interest at the lender’s offered APR. A 0% merchant fee does not mean 0% customer APR.
- Availability
Availability
Depends on your enrolled program, purchase eligibility, and lender approval.
Optional no-interest offers
Merchant-funded flexibility
- Business cost
- A plan-specific merchant financing fee applies, based on the selected offer.
- Customer cost
- No-interest or promotional terms depend on the offer. Confirm the duration and what interest applies afterward.
- Availability
Availability
Where supported, these options require separate enablement and lender approval.
What to check before choosing a plan
- Available repayment terms and the minimum purchase for each term.
- Your merchant financing fee, other applicable charges, and funding conditions.
- The customer’s APR, payment schedule, and total repayment, shown directly by the lender.
- For promotions: whether interest is deferred, when it starts, and what happens after the promotional period.
Available terms and purchase minimums depend on the enrolled program and lender approval. An invoice minimum is not a maximum loan amount. ONKORE does not quote or guarantee customer credit terms.
Discuss Customer Financing
Share your setup so ONKORE can discuss eligibility, costs, and next steps.
Frequently asked questions
How can offering customer financing support sales?
Financing can give eligible customers an alternative when paying the full price up front is a barrier. It may help more buyers complete a purchase and consider larger purchases or a fuller project scope. The impact depends on your business, customer demand, approvals, and financing terms. Review completed sales, average purchase value, merchant fees, and cancellations to assess the value for your business; no sales increase is guaranteed.
What is customer financing?
Customer financing lets your customers apply for installment financing to pay for eligible purchases over time instead of paying the full amount up front. The financing provider handles the lending: it makes the credit decision, sets the customer's terms, and services repayment. It is separate from business loans, merchant cash advances, and payment settlement.
Does ONKORE lend money or make credit decisions?
No. ONKORE is a payment technology advisor, not a lender. For example, U.S. Bank Avvance is a point-of-sale consumer installment lending program operated by U.S. Bank. The financing provider makes all credit decisions, originates the loans, and services customer repayment. ONKORE does not originate loans, make credit decisions, or service consumer debt.
What does customer financing cost my business?
Eligible base financing plans may offer a 0% merchant financing fee. Availability depends on your enrolled program and selected plan; confirm your merchant fee before offering financing. Optional customer no-interest or promotional plans may carry merchant fees and must be separately enabled.
Does a 0% merchant financing fee mean customers pay 0% APR?
No. The merchant financing fee is the business’s cost for the financing transaction. Customer APR is separate and is determined by the lender. A 0% merchant financing fee does not mean interest-free financing for the customer. Customer approval, rates, available terms, and purchase minimums depend on the lender and selected plan.
When does my business get paid for a financed purchase?
Under published program terms, the business is paid for the financed amount up front and the provider collects repayment directly from the customer. Current funding timing and conditions are confirmed with the provider during enrollment; ONKORE does not guarantee funding.
Which businesses and industries can offer it?
Availability depends on the program's merchant and industry eligibility. Published provider materials reference industries such as home improvement, healthcare (where eligible), retail, services, lodging, and restaurants. ONKORE can help you review fit and next steps; industry support is confirmed at enrollment.
What information do you collect from me or my customers?
The ONKORE inquiry form collects only your business and contact details and your typical customer purchase amount. ONKORE does not collect customer Social Security numbers, dates of birth, bank details, credit information, or consumer loan applications. Customers apply directly with the financing provider.
Let’s discuss your business.
Review financing fit, costs, and next steps with ONKORE.
ONKORE is not a lender. Financing is subject to eligibility, lender approval, and program terms.
Provider disclosure & program information
U.S. Bank Avvance is a point-of-sale consumer installment lending program operated by U.S. Bank. The financing provider makes all credit decisions, originates loans, and services customer repayment. ONKORE does not originate loans, make credit decisions, or service consumer debt, and ONKORE is not a lender. Program availability, merchant eligibility, fees, and customer terms are determined by the financing provider and may change; current terms are confirmed during merchant enrollment. This page is informational and does not constitute a loan offer, credit offer, or commitment to lend. No partnership or referral arrangement between ONKORE and U.S. Bank is implied by any reference on this page. Program details are summarized from the provider’s published materials (avvance.usbank.com).