Point of Sale (POS) Financing

What is Point of Sale (POS) Financing?

Point of sale financing is a credit solution offered at the exact moment a buyer is completing a purchase — whether online at checkout, in a physical store, or over the phone with a sales representative. It gives buyers the ability to choose flexible repayment options instead of paying the full amount immediately.

POS Financing in B2B

B2B point of sale financing integrates directly into the merchant's sales workflow. On an eCommerce site, it appears as a payment option at checkout alongside credit cards and wire transfers. For in-store or phone sales, the sales representative can offer financing as part of the order process, with the buyer receiving an instant credit decision.

Why POS Timing Matters

The point of sale is the highest-intent moment in the buyer journey — they've already decided what to buy and are ready to complete the transaction. Offering financing at this exact moment captures demand that would otherwise be lost to budget constraints, delayed purchase orders, or competitor alternatives with better terms.

Key Takeaways

• POS financing is offered at the moment of purchase
• It integrates into online checkout, in-store, and phone sales
• The point of sale is the highest-intent moment to offer financing
• It captures revenue that would be lost to budget constraints