Money for Merchants

Grow your business with instant approval
Consumer Financing.

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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 With
Consumer 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: Get a 25% increase in sales, 80% more repeat business and up to 2-3x higher average order value!

In Store

Our 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% or regular interest plans best suited for your products and services. Get financing for your customers from $550 to $15,000 and payment terms of 6 months to 60 months, with instant approvals.

On the Go

Anywhere you have an internet connection, on any device, you can access the Consumer Financing app for your customers. Great for mobile sales professionals, tradespersons, mobile services and even trade shows. Your customers can get instant approvals wherever you are.

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At Home/Office

Do you want to be able to get your customers started on the sales process from the comfort of their home, office or any where else they have internet access? You can send a link via email, posted on your Facebook/Instagram page or on your website that allows your customers to apply for a line of credit with YOUR store. Easy, convenient and fast.

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