.png)
Works best for Mid-to-high ticket businesses. Average Order Values (AOV): $35 – $600
Per Approved Transaction
Standard Approvals
Payout Timing 1-3 Days
Ideal for boutique furniture, auto repair, electronics, dental, wellness, and appliance retailers.
Offer your customers:
Businesses looking to boost customer approvals without the higher MDR of instant payout. Mid-volume merchants needing faster cash flow Average Order Values (AOV): $250 – $2,000
Per Approved Transaction
More Approvals
Payout Timing 1 - 3 Business Days
Ideal for auto repair shops, electronics retailers, dental providers, mobile services, and beauty clinics.
Merchants who prioritize speed of payout and maximum customer conversion. High-volume or urgent service businesses with an Average Order Values (AOV): $150 - $15,000.
Per Approved Transaction
Maximum Approvals
Payout Timing 1 - 3 Business Days
Ideal for same-day services, mobile repair, dental emergencies, salon chains, electronics, appliance retailers, and clothing retailers
Best for established, trust-based businesses that want full control over payment plans, are comfortable managing repayment risk, and often serve repeat or membership customers.
Per Approved Transaction
Payout as consumer pays
For businesses who want the power to define their own customer payment experience — with FinCliq behind the scenes handling the tech, screening, and collections.
Keep track of all past transactions, with detailed logs for easy reference and analysis.
Manage multiple accounts in one place, offering seamless transitions and financial oversight across various accounts.
Stay connected to your finances on the go with a fully-featured mobile app for both iOS and Android devices.
Set personalized notifications for spending limits, bill due dates, and account balance changes to stay informed.
Simplify your tax filing process with automatic generation of financial reports for tax purposes, including income, expenses, and deductions.
Easily link your preferred payment methods and make seamless payments directly from your account with integrated systems.
FinCliq Inc. is a financial technology company, not a bank, and does not provide loans. Payment plans are facilitated and serviced by FinCliq Loan Services LLC. A down payment may be required. A flat Flex Fee may apply for each installment plan created. For extended or custom repayment plans, an additional extended plan fee may apply. FinCliq does not guarantee any merchant offer. Eligibility is evaluated using information from Consulytica, an alternative credit bureau, and other data sources. Your payment activity may be reported to Consulytica and may impact your Consulytica profile. Payment options and availability vary by merchant and by state. Example: For a $400 purchase, you could pay $100 today, followed by 3 equal interest-free payments of $100 every two weeks. A one-time Flex Fee may apply. Not available in all markets and may not be available for certain types of purchases, such as subscriptions or recurring transactions.
Wealth Credits are platform-issued rewards that may be used with select investment partners. The 1% Wealth Credit benefit and 0.5% Community Fund contribution apply only to payment plans offered by FinCliq Loan Services LLC and may not be available with all partner plans. Wealth Credits are not cash equivalents. All investments involve risk, and you may lose money.
Consumer payments to FinCliq Inc. are processed by North American Banking Company, 2230 Albert Street, Roseville, MN 55113, and Avidia Bank, 42 Main Street, Hudson, MA 01749, Members FDIC.
For terms, licenses, and privacy information, visit fincliq.io/licenses.