ChargeAfter

ChargeAfter provides a multi-lender platform that integrates multiple lenders into point-of-sale systems, offering personalized embedded financing options for customers in-store, online, or anywhere they shop. The platform delivers a unified consumer finance experience across various channels, including in-store, eCommerce, and telesales, through seamless integration with point-of-sale systems. ChargeAfter features a real-time matching engine that connects customers to the ideal lender, utilizing dynamic waterfall lending to maximize approval rates. The platform includes advanced back-office capabilities for post-sale management and analytics, enabling merchants to optimize their omnichannel financing programs. Serving merchants and financial institutions, ChargeAfter has a network of over 40 lenders and operates in at least three countries. The company offers a variety of financing solutions, including prime, near prime, subprime, no credit required, B2B, card-based, and BNPL (Buy Now Pay Later). Additionally, ChargeAfter provides a platform for financial institutions to create, manage, and distribute consumer financing products at scale, employing a waterfall finance solution to connect customers to a wide range of tailored financial products.