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  • Consumer Financing

Offer Consumer Financing for Your High-Ticket Services

If you sell programs, products, or services priced between $1,000 and $50,000, offering financing can dramatically increase conversions, remove price objections, and create a better buying experience for your clients.

Small Biz Heroes makes it simple to add consumer financing to your business without becoming a lender yourself.

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Equipment finance

What Is Consumer Financing?

Consumer financing allows your customers to break large purchases into manageable monthly payments — just like they would with a car or home improvement project. You get paid upfront, and your customer gets flexible terms through one of our trusted lending partners.

Who It’s For

This program is perfect for:

Business, life, and health coaches

Course creators and online educators

Mastermind and program sellers

Fitness studios and personal trainers

Legal and professional services

Wellness and aesthetics providers

High-ticket B2C product sellers

If you sell high-value services or packages direct to consumers — this is for you.

How It Works

  • You apply and get set up with our lending platform
  • Your clients apply via a custom link during checkout or sales calls
  • They receive multiple offers from competing lenders
  • You get paid upfront — the lender takes care of the rest

It’s fast, seamless, and backed by lenders experienced in working with B2C service providers.

Program Highlights

Finance amounts from $1,000 to $50,000

Multiple lenders compete to offer the best rates

No hard credit check to preview offers

You get paid in full — clients pay monthly

No merchant liability or collections required

Why Offer Financing to Your Clients?

Increase Sales & Conversions

Make your services more accessible and easier to say yes to.

Break the Price Barrier

Stop losing clients to budget concerns — offer a payment plan instead.

Compete with Big Brands

Consumer financing levels the playing field and builds buyer trust.

Get Paid Upfront

You don’t wait on monthly installments, your funds are disbursed fast.

FAQs

Consumer financing lets your clients break up the cost of high-ticket purchases into manageable monthly payments. You get paid in full upfront, while your client makes payments directly to the lender.
It’s simple: we set you up with our lending platform, your clients apply through your custom link, lenders compete to offer the best terms, and you receive your full payment while the lender handles repayment.
This program works best for service providers and product sellers with offers priced between $1,000 and $50,000 — such as coaches, educators, fitness professionals, wellness providers, and high-ticket B2C sellers.
There’s no hard credit check required to preview offers, so your clients can explore their options without impacting their credit score.
You’re paid in full upfront once the client is approved and accepts the financing offer. There’s no need to wait for monthly installments.
Your clients get flexible monthly payments, competitive rates, and the ability to invest in your services without a large upfront expense.
No — there’s no merchant liability. The lender manages collections and payment processing.
Apply with Small Biz Heroes, and we’ll handle the setup, integration, and support to get you offering financing quickly and easily.

Let’s Make It Easy to Say Yes

Ready to add financing as a service? We’ll guide you through the setup, help you implement it in your business, and support you every step of the way.

Start Offering Financing Today