Allow your customers to pay their purchases over time: give them the highest flexibility and let them decide on the height and due date of the monthly installment.

They can adjust their payment plan anytime and without costs with a tap of a finger.

Our application process is fully digital, paperless and mobile, allowing your customers to receive a credit decision within 10 minutes.

The customer benefits from free short time financing, no reminder fees and he can finance more than just one purchase. Everything can be easily managed via the cashpresso App.

Merchants can offer their customers the financing solution at the POS and online. 0%-financing options can be individually configured.

Integration of the solution is as effortless as possible for merchants, providing a clear API for custom integrations and plugins for all common shop systems. All the background processes are designed to match merchants needs.

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Whether it’s the new racing bike, an extraordinary piece of furniture or an educational program: the purchase of high-value goods is often seen as an investment. Give your customers the freedom to split the cost of this investment into monthly installments.

Your product. Your terms: the bank decides on the general conditions like the maximum amount, the available time horizon for payback as well as the interest rate.

Customers’ expectations have changed: many customers nowadays take it for granted to be offered a pay-later option, especially when buying high-value goods. In most cases this is not a matter of lacking liquidity but opting for flexibility.

This contract is ideal for small-to-mid sized merchants or marketplaces with low-to-mid revenue margins who want to co-market high value financing, i.e. offer “fire sale” financing options for travel.

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While many people want to have the latest product, they do not necessarily need to own it.

The trend towards subscription models is high and still increasing. These payment options can be offered for almost every product with a secondary market.

Having the latest iphone for two years – and getting an upgrade upon release of a new model. Using a high-quality children’s bicycle until your kid needs a bigger size and upgrade with just one click. There are a ton of ideal use cases for subscription models.

The monthly payments are comparatively low because the product can be resold on the secondary market.

Winning and maintaining customers. The subscription model helps you to get more out of your customer relationships: predict your revenue ahead, reach additional target groups and make use of your upselling potential.

While your customer pays over time you immedately receive the full purchase price. To be on the safe side your customer can add device insurance.

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Purchase on account is the most popular payment method for customers in many countries. The buyer receives the goods immediately and pays for them at a later point in time – often with a payment term of 14 days.

Merchants who offer purchase on account can significantly reduce abandoned purchases.

Advantages for customers are diverse: straightforward transactions, payment after receipt of goods and no disclosure of sensitive data.

Customers particularly appreciate the high level of security in shops that are being visited for the first time.

[credi2] assumes the payment risk, dunning, payment allocation and support. The merchant thus receives 100% of the purchase price and can plan his liquidity accordingly.

Whether you want to move into new markets or provide new services to your existing customers: we cover everything you need to build easy-to-use products.

We offer all modules of the entire loan-lifecycle and help you safely navigate through the technical and regulatory complexity of building financial services.

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