Multi-Lender Platform

Being rejected sucks.

Doesn’t matter if it’s by your childhood crush or a lender.

That’s why we’re obsessed with your approval rates. With our multi-lender waterfall solution, you can approve more customers for financing, close more sales and reduce churn.

Close more sales with multi-lender waterfall

Customer not a tier-1 bank or lender match?

No problem – customer applies just once and our waterfall automatically ‘cascades’ their application from prime lenders to secondary lenders, maximizing approval rates and creating a smooth and positive customer experience.

Give your customers more options

Split pay or long-term financing? Consumer or business loan?

In a world with different consumers with different credit profiles buying different products, merchants need a way to offer the right financing for the right use case. 

This can make or break a sale.

Jifiti’s platform supports every pay-over-time option to cover every ticket size, category and customer credit profile.

With our carousel option, your customers can pick the financing option that works best for them.

Every customer channel

Provide a seamless embedded lending experience across every customer touchpoint – online, in-store, via call center and in any assisted customer flow.



At Home

Call Center


Ordering System


Bank App

Marketing Asset

Every type of B2B & B2C loan

Our multi-lender embedded lending platform supports the full spectrum of financing options from leading banks and lenders.

Make data-driven decisions

From big-picture insights to market-by-market data drill-downs, our real-time reporting dashboards empower you with actionable business intelligence to make data-driven decisions.

One multi-lender platform to power it all

Created with Fabric.js 3.5.0

Quick time to market

Get your embedded lending solution to market in record time and scale using ecommerce plugins, virtual cards, or simple APIs.

Created with Fabric.js 3.5.0

On-brand user journeys

Position your brand at the point of sale and keep B2C and B2B customers engaged throughout the user journey with branded, omnichannel front-end experiences

Created with Fabric.js 3.5.0

Fully-stacked checkout stack

A broad array of checkout and fund disbursement options, from zero-integration virtual cards to customizable API solutions.

Created with Fabric.js 3.5.0

Loan lifecycle tools

From our robust reporting platform to customer self-service portals, we’ve got your entire customer financing lifecycle covered.

The people have spoken

Jifiti has a commitment to excellence, demonstrated creativity and flexibility for our business needs and never missed a deadline or an obligation.

Erin Limas


Borsheims Fine Jewelry

We are delighted to collaborate with Jifiti in Europe as this partnership allows us to deliver seamless checkout financing experiences for consumers. It’s a win-win for all stakeholders.

Simon Forbes

SVP, Business Development


Jifiti is working side-by-side with us, not just as our BNPL platform provider, but as a true end-to-end partner. The team has gone above and beyond, making the IKEA POS financing seamless, affordable and easily accessible to our customers.

Leyre Azcona Munarriz

Retail Business Manager

Retail Financial services at Ingka Group

Let’s Talk Embedded Lending

Hi, I'm Nick.