Stop Losing Sales to Customers Who Couldn't Get Approved.
LendPro embeds pre-qualification earlier in the customer journey — soft pull, no credit score impact, decisions in seconds — routing every application across 25+ lenders — all credit tiers including no credit needed until a financing outcome is reached.
Trusted by leading retailers across the US
What Is LendPro?
LendPro is a multi-lender embedded finance platform that helps retailers offer financing through a single customer application.
Instead of waiting until checkout or sending shoppers to separate lenders, LendPro enables Embedded Pre-Qual earlier in the buying journey. Pre-qualification uses a soft credit pull — so customers can check their buying power in seconds with no impact to their credit score. That removes one of the biggest hesitation points in the financing journey and gives retailers a better chance to convert intent into completed sales.
LendPro is not a lender. LendPro is the technology layer that connects retailers to multiple lending options while allowing the retailer to control the financing flow.
The sales you're losing today don't have to be lost.
Every customer who walks out without buying because financing didn't work is a recoverable sale. Here's how LendPro changes that equation.
Customers Your Lender Declines
One lender means one credit model. Customers outside that model are lost. LendPro's three-tier waterfall cascades declined applications to Near Prime, then Sub Prime — automatically, in seconds, through one application.
Customers Who Won't Risk Their Credit Score
Fear of a hard inquiry stops shoppers before they ever apply. LendPro's soft pull pre-qual removes that barrier entirely — customers check their options in seconds with zero credit score impact.
A simple financing journey built to capture more demand.
LendPro routes applications across multiple lenders while keeping the experience seamless for both retailer and customer.
Embed Pre-Qual in the Journey
Place pre-qualification prompts on product pages, promotional flows, carts, kiosks, and other digital touchpoints — where they influence intent most.
Customer Applies Once
The customer completes one financing application — not a separate form for each lender. One fast, secure experience from start to finish.
Applications Route Across Lenders
LendPro supports a retailer-controlled waterfall across 25+ lenders — all credit tiers, including no credit needed — structured in the order that best supports your business.
More Customers Leave With a Yes
Customers who would have walked away declined — or never applied at all — complete their purchase. Retailers recover revenue that single-lender financing simply can't capture.
Why retailers choose LendPro over single-lender BNPL.
Single-lender BNPL solutions like Affirm and Klarna only approve a narrow band of customers — typically prime credit. LendPro routes every application through 25+ lenders across all credit tiers — including no credit needed, capturing customers single-lender platforms turn away.
- One lender, one decision. Customer is either approved or declined — no second chance.
- Prime credit only. Approval pool excludes near-prime and sub-prime customers entirely.
- Lost sales on decline. Declined customers often abandon the cart altogether.
- Limited financing terms. Restricted to one lender's product mix and rate structure.
- No tier optimization. All customers routed identically regardless of credit profile.
- 25+ lenders, three tiers. Primary, Near Prime, and Sub Prime — applications cascade until approved.
- Full credit spectrum. Approvals across prime, near-prime, and sub-prime — not just one band.
- Captures declined customers. Customers turned down by Tier 1 are routed to Tier 2, then Tier 3 — often resulting in approval.
- Optimized financing terms. Each lender's product mix is matched to the customer's profile for the best available rate.
- One application. Customer submits once. LendPro handles all routing automatically.
A November 2025 PYMNTS Intelligence report — based on a survey of heads of payments at 37 U.S. retailers — found that 75% of retailers now view embedded finance as a top strategic priority, more than 8 in 10 say it enhances the customer journey, and 68% report operational efficiency gains. Retailers are no longer treating embedded financing as a checkout enhancement. They are building it into the core of how customers pay — and LendPro's multi-lender waterfall is designed to deliver that full-spectrum embedded experience.
Source: PYMNTS Intelligence / Marqeta — "Retailers Expand Embedded Finance to Unlock Control and Customization," November 2025 · LendPro retailer results vary by industry, integration, and traffic volume.
This is what it looks like when financing works earlier.
When customers see monthly and weekly payment options on the product page — before checkout — hesitation turns into intent. Intent turns into a sale.
3-Piece · Performance Fabric
Three numbers that change the conversation.
The LendPro difference: Single-lender BNPL shows one payment option and declines the rest. LendPro shows monthly pricing from prime lenders and weekly pricing from lease-to-own providers — through one soft-pull pre-qualification, in seconds — so every customer on the page sees a number they can say yes to.
25+ approved lenders. All credit tiers — including no credit needed. One application.
Every customer application cascades through LendPro's tiered lender network — starting with Primary lenders and continuing until the right financing match is found. Customers see one fast, secure form. Behind the scenes, the waterfall does the work.
Multi-lender financing, built for your vertical.
LendPro powers embedded pre-qualification across every major retail category — with industry-specific lender routing and integration patterns optimized for each vertical.
Bring Embedded Pre-Qual to Your Retail Experience
Help more customers discover buying power earlier, reduce financing friction, and create a better path to conversion.