Financing for furniture stores
Furniture is a considered purchase with a large ticket and a customer who is already emotionally committed by the time they ask about payments.
In short
Furniture retail has the highest walk-away rate of any category we work with, because the ticket is large and the decision happens in the showroom. One application link covering established credit down to no credit file turns a $4,000 living room from a decision into a monthly payment — and items from several rooms can sit on one agreement.
Your counter
Where financing changes the outcome on your floor
Typical ticket bands and what financing does to each.
| Ticket | What usually happens without financing | What changes with it |
|---|---|---|
| Under $800 | Cash or card | Marginal — most customers just buy |
| $800–$2,500 | Customer buys one piece instead of the set | Set or package becomes reachable |
| $2,500–$6,000 | Customer leaves to “think about it” | Decision happens today at a monthly figure |
| $6,000–$15,000 | Lost to a competitor offering terms | Multi-room package closes |
| Over $15,000 | Rare without credit | Installment loan to $50,000 opens it |
Why furniture
Three things specific to this category
Multi-room tickets
Customers furnishing a home rarely buy one piece. An approval is a spending limit, so a sofa, a bed and a dining set can go on one agreement — including across more than one store.
Delivery and protection plans
Delivery, assembly, haul-away and protection plans can all be financed with the goods, which raises the average ticket without raising the objection.
The special-order clock
On a lease the same-as-cash window runs from signing, not delivery. Tell customers buying a six-week special order, because they will not read it and they will be unhappy later.
Joining
How onboarding runs
Gather documents
Business and ownership details, banking information, and photographs of your store front and interior.
Submit the enquiry
Expect an email within 12 to 24 hours to schedule a discovery call with the onboarding team.
Discovery call
We work out which programs suit your category, your ticket sizes and your customers’ credit mix.
Agreement and go live
A merchant agreement follows for review and signature, then your link, QR code and staff training.
Questions
Merchant questions
What does it cost my store?
No mandatory merchant fees on standard programs, no sales minimums and no required invoice buy-downs. Optional promotional rate programs exist if you want to subsidise a lower customer payment.
Can a customer combine purchases from two stores?
Often yes. Items from several retailers can be placed on one agreement, which is useful when you cannot supply the whole house.
How fast is the decision?
Instant in most furniture categories, which is the point — the customer is standing in front of you.
Who funds my invoice?
The lender or lessor funds the transaction directly. We coordinate the paperwork between you, the customer and the provider.
Keep reading
Related
Offer financing at your counter
No mandatory merchant fees on standard programs, no sales minimums, and one application link covering every customer who walks in.