— ONE PLATFORM. MULTIPLE WAYS TO FINANCE.

Financing important
moments in life®

LendingUSA offers more ways to finance what matters: Point-of-Sale Financing for merchants, Embedded Financing built directly into checkout, and Crypto Lending for borrowers to access cash against their crypto.

More ways to say yes to what matters most.

LendingUSA Financing Mobile App
Reviews Icon
4,000+ 5 Star Reviews
Borrowers Icon
200,000+ Borrowers
Merchants Icon
10,000+ Merchants
BORROWERS
CRYPTO-BACKED LENDING

Coming soon.
Be the first to know.

Borrow against your crypto without selling it.
Sign up now and we’ll notify
you as soon as Crypto
Lending launches.

MERCHANTS
EMBEDDED FINANCING

Turn financing
into a profit center

Build your own financing program with us. We handle origination, servicing, and reporting so you can focus on growth.

PERSONALIZED SOLUTIONS

Point-of-sale
consumer financing
solutions designed
for your business

LendingUSA's point-of-sale financing platform is built for ease of use. For merchants, that means more approvals, fewer fees, and faster payment.

Lower merchant fees

Lower
merchant fees

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

Discover more approvals

Discover more
approvals

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

Instant pre-approval decisions

Instant pre-approval
decisions

Our proprietary technology combines established best practice with advanced underwriting and fraud detection. That means on-the-spot decisions, with no impact on a borrower's credit score to see if they're pre-approved.

Now faster funding

Now faster
funding

We pay your business within days of the borrower signing the contract. Because faster payments lead to healthier cash flow - which can lead to better cash flow for your business.

Industries we serve

We provide financing across a variety of niche industries (and more)

Pet Industry
Pet Icon
INDUSTRY

Pet

Funeral Industry
Funeral Icon
INDUSTRY

Funeral

Tax Industry
Tax Icon
INDUSTRY

Tax

CRYPTO-BACKED LENDINGCOMING SOON

Coming soon.
Be the first to know.

Borrow against your crypto without selling it. Sign up now and we’ll notify you as soon as Crypto Lending launches.

Access Cash Without Selling Your Crypto
TESTIMONIALS

Trusted by merchants and borrowers

★★★★★ 4,000+ 5-star reviews
Mike Driver
MERCHANT
★★★★★
LendingUSA has helped us connect with new customers that were not able to help before. Their website interface portal was easy to use, and they helped with training our staff as well. Thanks LendingUSA!

Mike Driver

Co-Owner, Mobility Plus Columbia City

H. George Brennan MD, Inc.
MERCHANT
★★★★★
Here at Dr. Brennan's office, we love referring our patients to LendingUSA! When patients apply it is a Soft Inquiry on their credit score unlike some of the other medical loan companies. The patient can choose how long they will need to pay off their loan. Also, when they qualify we are paid without being charged their interest off the top. It's a Win-Win for everyone!

H. George Brennan MD, Inc.

Cosmetic Surgery

New Era Debt
MERCHANT
★★★★★
Offering financing enhances our customer satisfaction by accommodating their financial needs and gives our business a competitive advantage, as it sets us apart from competitors who might not provide similar financing options. Freshstart Lending provided us with marketing support and customer acquisition tools.

New Era Debt

Sugar Land Plastic Surgery
MERCHANT
★★★★★
We have a high approval for low amounts and the funding is fairly quick. LendingUSA has been a great addition for our practice over the last few years. It has helped for our patients that do not have great credit.

Sugar Land Plastic Surgery

Plastic & Cosmetic Surgery

Pacific Debt Relief
MERCHANT
★★★★★
This strategic partnership allows our clients to resolve their debt more quickly by taking advantage of a loan. Clients also appreciate the new line of credit, which helps them restore and rebuild their credit scores. Furthermore, the team maintains a high level of professionalism with both our clients and our staff. Effective communication is essential between our two companies, and I can confirm that their communication is consistently excellent.

Pacific Debt Relief

Enrolled Debt Resolution Customer

Nataliya Safronova
MERCHANT
★★★★★
Our buyers like being able to pay lower interest rate and have an option of 6 months interest free. LendingUSA has great customer service and is always willing to help in a timely manner. Thank you.

Nataliya Safronova

Owner, French Bulldogs Inc.

Liberty Debt Relief
MERCHANT
★★★★★
Freshstart has helped our clients qualify for a loan to graduate our program early. We appreciate the Freshstart team's responsiveness, support and constant strive to improve their product and services.

Liberty Debt Relief

Gary Nudelman
MERCHANT
★★★★★
We really like LendingUSA because of the efficient way of completing an application and the quick response and absolutely no charge backs once accepted. Our clients love the no interest [promo] and also the lower interest rates. It has helped us get clients that may not have purchased at that moment.

Gary Nudelman

Business Owner, NY Breeder

Flem Peacher
MERCHANT
★★★★★
LendingUSA has helped my business tremendously because it offers an alternative payment option. In situations where paying in full is not available, this allows clients to still obtain what they want and pay on it while they are enjoying it.

Flem Peacher

Owner, K-9 Safety Consultants, Dog Training

Shervin Naderi
MERCHANT
★★★★★
LendingUSA has made the cosmetic surgery goals of our patients within reach. LendingUSA has been the reason that patients have been able to keep their budget in balance and pursue their cosmetic aspirations.

Shervin Naderi

The Naderi Center

Unleash Fido
MERCHANT
★★★★★
LendingUSA has given our clients the financial opportunity to accomplish their goals. It is an easy, straightforward application, with approval in minutes. It gives our small business peace of mind because we get funded within a matter of days.

Unleash Fido

Dog Training

Julie Allen
MERCHANT
★★★★★
LendingUSA has been helpful anytime I have questions or need to get a client approved. I can help clients when they are unable to afford my program price all at once. It also allows more clients to sign up.

Julie Allen

Koda’s Dog Training

Exotic Tropical Pet World LLC
MERCHANT
★★★★★
As our market has slowed down a little, LendingUSA has offered competitive rates to us so we can close our deals.

Exotic Tropical Pet World LLC

Mary P.
BORROWER
★★★★★
With different options, LendingUSA was the most convenient and quickest way to obtain our consolidation loan. Definitely recommending to friends and family!

Mary P.

Chris Christian
MERCHANT
★★★★★
I would highly recommend LendingUSA to other funeral homes. That is the tool that gets you to the next level in arranging those services without any stress, without any worry on the funeral home or the family.

Chris Christian

Co-Owner, Christian-Sells Funeral Home

Juniors Pet Grooming & More
MERCHANT
★★★★★
It has been a great partnership for our company & look forward to continue doing business with LendingUSA.

Juniors Pet Grooming & More

Rose Dahms
BORROWER
★★★★★
They were awesome to work with, they were honest forthcoming, worked well through the process, and funded the loan quickly, I would def recommend LendingUSA.

Rose Dahms

Hampton, VA

TESTIMONIALS

Trusted by merchants and borrowers

★★★★★ 4,000+ 5-star reviews
Mike Driver
Quote
MERCHANT
★★★★★
“ LendingUSA has helped us connect with new customers that were not able to help before. Their website interface portal was easy to use, and they helped with training our staff as well. Thanks LendingUSA! ”

Mike Driver

Co-Owner, Mobility Plus Columbia City

H. George Brennan MD, Inc.
Quote
MERCHANT
★★★★★
“ Here at Dr. Brennan's office, we love referring our patients to LendingUSA! When patients apply it is a Soft Inquiry on their credit score unlike some of the other medical loan companies. The patient can choose how long they will need to pay off their loan. Also, when they qualify we are paid without being charged their interest off the top. It's a Win-Win for everyone! ”

H. George Brennan MD, Inc.

Cosmetic Surgery

New Era Debt
Quote
MERCHANT
★★★★★
“ Offering financing enhances our customer satisfaction by accommodating their financial needs and gives our business a competitive advantage, as it sets us apart from competitors who might not provide similar financing options. Freshstart Lending provided us with marketing support and customer acquisition tools. ”

New Era Debt

Sugar Land Plastic Surgery
Quote
MERCHANT
★★★★★
“ We have a high approval for low amounts and the funding is fairly quick. LendingUSA has been a great addition for our practice over the last few years. It has helped for our patients that do not have great credit. ”

Sugar Land Plastic Surgery

Plastic & Cosmetic Surgery

Pacific Debt Relief
Quote
MERCHANT
★★★★★
“ This strategic partnership allows our clients to resolve their debt more quickly by taking advantage of a loan. Clients also appreciate the new line of credit, which helps them restore and rebuild their credit scores. Furthermore, the team maintains a high level of professionalism with both our clients and our staff. Effective communication is essential between our two companies, and I can confirm that their communication is consistently excellent. ”

Pacific Debt Relief

Enrolled Debt Resolution Customer

Nataliya Safronova
Quote
MERCHANT
★★★★★
“ Our buyers like being able to pay lower interest rate and have an option of 6 months interest free. LendingUSA has great customer service and is always willing to help in a timely manner. Thank you. ”

Nataliya Safronova

Owner, French Bulldogs Inc.

Liberty Debt Relief
Quote
MERCHANT
★★★★★
“ Freshstart has helped our clients qualify for a loan to graduate our program early. We appreciate the Freshstart team's responsiveness, support and constant strive to improve their product and services. ”

Liberty Debt Relief

Gary Nudelman
Quote
MERCHANT
★★★★★
“ We really like LendingUSA because of the efficient way of completing an application and the quick response and absolutely no charge backs once accepted. Our clients love the no interest [promo] and also the lower interest rates. It has helped us get clients that may not have purchased at that moment. ”

Gary Nudelman

Business Owner, NY Breeder

Flem Peacher
Quote
MERCHANT
★★★★★
“ LendingUSA has helped my business tremendously because it offers an alternative payment option. In situations where paying in full is not available, this allows clients to still obtain what they want and pay on it while they are enjoying it. ”

Flem Peacher

Owner, K-9 Safety Consultants, Dog Training

Shervin Naderi
Quote
MERCHANT
★★★★★
“ LendingUSA has made the cosmetic surgery goals of our patients within reach. LendingUSA has been the reason that patients have been able to keep their budget in balance and pursue their cosmetic aspirations. ”

Shervin Naderi

The Naderi Center

Unleash Fido
Quote
MERCHANT
★★★★★
“ LendingUSA has given our clients the financial opportunity to accomplish their goals. It is an easy, straightforward application, with approval in minutes. It gives our small business peace of mind because we get funded within a matter of days. ”

Unleash Fido

Dog Training

Julie Allen
Quote
MERCHANT
★★★★★
“ LendingUSA has been helpful anytime I have questions or need to get a client approved. I can help clients when they are unable to afford my program price all at once. It also allows more clients to sign up. ”

Julie Allen

Koda’s Dog Training

Exotic Tropical Pet World LLC
Quote
MERCHANT
★★★★★
“ As our market has slowed down a little, LendingUSA has offered competitive rates to us so we can close our deals. ”

Exotic Tropical Pet World LLC

Mary P.
Quote
BORROWER
★★★★★
“ With different options, LendingUSA was the most convenient and quickest way to obtain our consolidation loan. Definitely recommending to friends and family! ”

Mary P.

Chris Christian
Quote
MERCHANT
★★★★★
“ I would highly recommend LendingUSA to other funeral homes. That is the tool that gets you to the next level in arranging those services without any stress, without any worry on the funeral home or the family. ”

Chris Christian

Co-Owner, Christian-Sells Funeral Home

Juniors Pet Grooming & More
Quote
MERCHANT
★★★★★
“ It has been a great partnership for our company & look forward to continue doing business with LendingUSA. ”

Juniors Pet Grooming & More

Rose Dahms
Quote
BORROWER
★★★★★
“ They were awesome to work with, they were honest forthcoming, worked well through the process, and funded the loan quickly, I would def recommend LendingUSA. ”

Rose Dahms

Hampton, VA

LATEST NEWS

More insights from our blog

Check out our blog for resources on point-of-sale, Embedded Financing, and crypto-backed financing, plus tips on customer experience and more industry insights.