Introducing the future of
Consumer Financing
... the new way!

Get Started

Get paid quicker.

Real-time customer approval, direct-to-merchant funding.

Get paid more.

Customer financing application is approved at maximum amount.

Get paid often.

Our multiple lender platform approves more of your customers.

Introducing the future of
Consumer Financing
... the new way!

Get Started

Get paid quicker.

Real-time customer approval, direct-to-merchant funding.

Get paid more.

Customer financing application is approved at maximum amount.

Get paid often.

Our multiple lender platform approves more of your customers.

Introducing the future of
Consumer Financing
... the new way!

Get Started
Novae is a 2021 Inc. 5000 Fastest-Growing Private Company in America!
Inc 5000 Fastest Growing Companies

Novae is a 2021 Inc. 5000 Fastest-Growing Private Company in America

Flexible financing options anywhere a sale takes place.

Flexible financing options anywhere a sale takes place.

 
Get Started

Why Novae Financing?

1 out of 3 Americans have credit scores of 650 or lower, so you couldn’t approve them UNTIL NOW!

  • Accept and convert customers w/ credit scores as low as 515
  • Approve clients from $500 to $35,000
  • Offer terms up to 84 months
  • Offer same-as-cash (no interest) programs for 6-12 or even 18 months
  • Helps your customers and clients build credit by reporting as a tradeline
  • Doesn’t ding their credit score during pre-approval
  • Get clients approved in 5-7 minutes
  • We specialize in serving the markets no one else will finance
  • Get all your money deposited in 2-3 days
  • Help thousands of the underserved

Introducing

Prescreen your sales leads for available financing offers in seconds!

Your customers learn in seconds if they qualify for financing their purchase with you. With only a soft credit check!

Financing applications are merchant industry specific, to optimize lead conversion and attract the best lending offers.

Instant Decision App

Closely track and follow up with your qualified customers to increase sales volume.

A secure, contactless and easy-to-use application can be accessed at your customer's convenience.

Learn more about
InstantDecisionApp
and start qualifying - and closing - your sales leads today!

Learn more about
InstantDecisionApp
and start qualifying - and closing - your sales leads today!

 
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Currently Partnering with Industry Merchants:

Click here to see what criteria we consider when reviewing merchant applications.

• 620 credit score required for merchant approval
• The underwriting process can take up to 4 business days.

Coaching & Consulting

  • Motivational Speaking
  • Workshops & Seminars
  • Financial Consulting
  • Fitness/Gym/Sports Programs
  • Life Coaching
  • Business Consulting
  • Career Coaching & Consulting
  • Health & Nutrition Consulting

Healthcare

  • Dental
  • LASIK & Vision
  • Cosmetic
  • Acupuncture
  • Hearing
  • Veterinary
  • Alternative Medicine
  • Elective Surgery & Treatments

Home Improvement

  • Roofing
  • Pools & Spas
  • Renovation
  • Solar
  • Landscaping
  • Windows & Doors
  • HVAC
  • Siding

Retail & Ecommerce

  • Home & Outdoor Furnishing
  • Jewelry & Luxury Goods
  • Fitness Equipment & Sporting Goods
  • Computers & Electronics
  • Recreational Vehicles
  • Travel & Entertainment
  • Fashion & Apparel
  • Beauty & Skincare

Want information on the interest rates you will offer?

You determine the interest rates of your clients based on the merchant fees you accept. Choose your industry below to see the associated interest rates and merchant fees. Offering lower interests require stricter credit requirements for your customer base and higher merchant fees. There are no prepayment penalties.
Coaching & Consulting: Rate Sheet
Home Improvement: Rate Sheet
Retail & E-Commerce: Rate Sheet
Healthcare: Rate Sheet

A Win-Win ALL-IN-ONE Platform

A Win-Win ALL-IN-ONE Platform

Novae Financing delivers an all-in-one customer financing and merchant paid-in-full solution.

Buy Now, Pay Later Financing

Customers can review financing offers without it affecting their credit and the merchant is funded directly upon sale.

Consumer Cash Loans

Customers with FICOs as low as 550 can review offers and be funded in as little as one day.

Contactless Card/ACH Payments

Accept safe, low-cost, and contactless card and ACH payments backed by best-in-class technology.

How it Works

Watch this 1 minute video to see how Novae Financing can start working for you and your business!

Why Work with Novae?

Easy Integration

We can work with merchants across industries and seamlessly integrate with a variety of POS software and e-commerce platforms.

Secure and Private

Our underwriting process makes offering financing easy and safe. We will never sell personal data, of you or your customers.

Highly Customizable

You have the power to choose the lenders you want to work with and the best financing programs for your business and customers.

Reporting & Analysis

Our merchant portal provides you with data and insights you can use to improve your business and sales lead conversion.

Looking for a customized branding option?

We have co-brand and white label programs available!

CONTACT US FOR MORE INFO
© 2021 Novae Financing, All Rights Reserved.
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© 2021 Novae Financing, All Rights Reserved.