Introducing the future of
consumer financing

Designed for Merchants

In partnership with:

Novae Financing

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

Designed for Merchants

In partnership with:

Novae Financing

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.

Provide Your customers with the option to finance

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 $50,000
  • 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

Instant Decision App

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.

Currently Partnering with Industry Merchants:

Click here to view 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 & E-commerce

  • Home & Outdoor Furnishing
  • Jewelry & Luxury Goods
  • Fitness Equipment & Sporting Goods
  • Computers & Electronics
  • Cars & Recreational Vehicles
  • Fashion & Apparel
  • Travel & Entertainment
  • 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
Home Improvement
Retail & E-Commerce
Healthcare

How it Works

1.

Customer applies
At the time of sale, your customer completes loan application and receives financing offers without any affect on their credit.

2.

Customer chooses an offer
Within seconds of submitting loan application, your customer is presented with offers for the maximum approval amount. Just choose an offer and agree to terms!

3.

You complete your sale!
After selecting an offer, your customer buys with confidence knowing that flexible financing is in place for the purchase.

Get Paid Quicker. Get Paid More. Get Paid Often.

Live Customer Support
(904) 601-2002
Send us an email:
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Support Hours
Mon - Fri: 10am - 6pm (EST)
14333 Beach Blvd #33
Jacksonville, FL 32250
© 2021 Top Choice Credit Services, All Rights Reserved
Privacy Policy  •  Terms & Conditions  •  Refund Policy  •  About  •  FAQ  •  Contact Us
© 2021 Top Choice Credit Services, All Rights Reserved
Privacy Policy  •  Terms & Conditions  •  Refund Policy  •  About  •  FAQ  •  Contact Us
Accepted Credit Cards
Accepted Credit Cards