Retail Finance

We bring the bank to your store

Offer retail finance directly from banks to your customers through our white-label embedded lending platform.

The Need

Retailers wanting to offer their customers retail finance options from regulated banks and experienced B2B lenders often find it challenging. Integrating with bank systems is difficult and time-consuming.

Our Solution

With our retail embedded lending solution, the retailer gets paid upfront, risk-free. Our white-labeled platform serves as a connector between bank loans and the point of sale, seamlessly embedding the loans within the retailer’s native customer journey.

Why work with Jifiti

Offer any retail finance program from regulated banks and lenders

Streamline across every customer touchpoint: online, in-store, call center and more

Build brand loyalty with a seamless user experience in your brand

Cater to every B2B and B2C retail use case

Scale globally through one centralized platform

Gain full transparency and control over your retail finance data and your customers’ loans

How can we help you?

Offer streamlined retail financing across every customer touchpoint

How it Works


To increase basket size and sales, the financing option is displayed to the customer before checkout, in-store via QR Code signage or online through dynamic promotional widgets on product pages.


Customer applies for financing via their personal device.


Payment is ‘business as usual’ for the merchant. The customer either receives a branded virtual card that is processed like a regular credit card or payment is made directly from the lender to the merchant (direct settlement).


Customer then repays the lender directly based on the financing terms.

Empowering 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 retail finance platform to power it all

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Quick time to market

Get your retail financing to market in record time and scale quickly using ecommerce plugins, virtual cards, or simple APIs.

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On-brand user journeys

Build your brand loyalty and keep customers within your user journey with customizable, omnichannel front-end experiences.

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Fully-stacked checkout stack

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

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Loan lifecycle tools

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

Let’s Talk Embedded Lending

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