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More approvals. More ways to improve your merchant business.

Increasingly merchants are discovering LendingUSA’s ability to provide a real financing solution for their customers. That means more opportunities for your business. And more ways for borrowers to get the goods and services they want, right at their point of need.

We promise you a better experience at LendingUSA

Lower merchant fees

We don’t charge any fees for sign-up or membership. Plus, promotional financing for all loans is included at no extra cost to you. Because growing your business should never come with high fees.

Bigger tickets

We approve loans for higher ticket goods and services in the majority of industries we serve. Because when borrowers have greater purchasing power, it leads to higher returns for you.

Faster pre-approval decisions

Our proprietary technology combines established best practices with advanced underwriting and fraud detection. That means on-the-spot pre-approvals, right at the point of sale. Because time is money, and you deserve more of both.

Faster funding

We pay your business within days of approval. Because faster payments lead to healthier cash flow – which leads to healthier relationships with your customers. And with us.