• Unlock the

  • Unlock The Possibilities

LendingPoint enriches people’s lives by simplifying financial services and unlocking the possibilities.

The LendingPoint Difference

Customer First

Our products help you build customer relationships, understand their priorities and deliver the best possible solution.

Responsible Finance

LendingPoint solutions comply with all laws, regulations and codes of conduct to provide operational transparency and fairness.


We continuously adapt and evolve our products to increase your business value and enhance your customers’ experience.


Our solutions have been built using the collective expertise from a team of industry veterans.

Offer Accessible Financing to More Customers

Point-of-Sale Financing

Better financing options that drive more sales and higher ticket amounts
  • Our smart technology allows us to understand the individual creditworthiness of every applicant and offer more loans to more customers.

  • Serving a FICO® range from 550 – 850, we provide loan options to more people than the competition.

  • Intuitive and simple digital loan application with fast decisioning.

  • We’re recognized for our best-in-class customer service – 86 Net Promoter Score vs. a Financial Services industry avg. of 34.

  • We have a solid reputation with an “A+” rating from the BBB and over 5000 Trustpilot 5-star reviews.

Provide Working Capital Solutions for Sellers on Your Marketplace

Marketplace Seller Financing

Provide the solutions your sellers need to manage and grow their businesses.
  • Attract more sellers by offering white-labeled seller financing loans (interest based, fixed payment terms) and working capital loans (fee-based, no interest, sales-based repayment).
  • Increase your Marketplace brand’s value proposition to attract more sellers.

  • Integrates seamlessly into your current systems. No need for additional tools, apps, or software.
  • Brand with your Marketplace look and feel to create a singular experience for your sellers.

Contact Us to Learn More

Let LendingPoint Unlock the Possibilities for you and your customers.

Already A merchant?

LendingPoint is an Atlanta-based lender and servicer, redefining who can access money at fair rates.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

2. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning FinWise Bank is the FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106. The federal agency that administers compliance with this law concerning Coastal Community Bank and Midland States Bank is the Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480. The federal agency that administers compliance with this law for LendingPoint is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Click here to see our current list of state licenses

California residents click here ››

Wisconsin residents click here ››

Ohio residents click here ››

LendingPoint's NMLS #1424139 Visit NMLS Consumer Access