Money for Merchants

Grow your business with instant e-commerce andin-store financing.

Contact Us

How It Works

Show Your
Customer The Choices

You can offer your customer a choice of the different plans that we offer; in-store, online from your website, or as an e-commerce purchase. You can even access the application remotely if you are on-site with your customers or other locations.


Within 60 seconds a soft credit check will be completed to determine how much your customer qualifies for. There are 4 questions and income verification or collateral is not required. Once approved the full amount is accessible to the client,  increasing your average order value.

You Get

Once the customer confirms the monthly plan details, upload your invoice and you get paid within 24 to 48 hours.

Customer Pays
Bill Direct To Lender

Our lender will bill the customer directly from their bank account or credit card. They assume the risk of non-payment, while you get paid. You don’t have to worry about accounts receivable with any KIS Capital deal.

Grow Your Sales WithConsumer Lending Programs

Generate higher sales conversions and basket sizes through instant payment plans. You can choose a plan that is best for you.

Payment Plans For All


3 to 24 Months

Now you can offer financing as a payment option at checkout with an integrated system to your shopping cart. Your customer can get instant approvals for amounts ranging from $100 to $1,000 at a great rate of 0%! Get a 25% increase in cart conversion, 80% more repeat business and up to 3x higher average order value! Or you can choose from other e-commerce plans for amounts up to $15,000 with the choice of 0%, low interest or regular interest rates.

Learn More


3 to 60 Months

These plans offer a variety of choices for customers, allowing you to offer financing to customers with a credit score as low as 450. Choose from 0%, low interest or regular interest plans best suited for your products and services. Get financing for your customers from $500 to $25,000 and payment terms of 3 months to 60 months, with instant approvals.

Learn More

Why Consumer Lending Programs?

Both businesses and customers benefit from using Kis Capital in different ways. We ensure the process is safe and secure for both you and your customer.


For Businesses

More Sales. Make Purchases Affordable.

Make big ticket purchases affordable and accessible in order to grow your consumer base.

Close Deals.

Capture in person and online sale momentum while reducing wait times for purchases and online shopping cart abandonment.

Easier to Upsell

Customers are approved with the maximum line of credit available to them at a low monthly cost.

Simple, Easy Applications.

Just four questions they answer online. No income verification questions. Approvals are done with a ‘soft’ credit check that won’t affect their credit rating. Approvals are sent back within 30 to 60 seconds.


For Customers

Seamless online checkout process

No more trudging through long forms to fill out or verification delays.

Instant Credit Approvals

Stop having to wait for approvals—we make it easier.

Convenient Monthly Payments

We take the hassle and stress out of monthly payments so you don't have to worry about it.

Early payments? No penalties!

Why should you be charged for early pre-payments? Discover the benefits when we work together.

Secure Data Encryption

All your personal data is passed encrypted between servers.

Are you ready to get started with Kis Capital?

Offer your customer an alternative payment option so they don’t miss the opportunity to buy.

Yes! Apply Now