Our Story.
FormPiper started behind the counter of an independent retail shop. Founder Brad Parker spent 20 years scaling a Petland franchise to $20M in annual revenue, watching qualified buyers walk out the door whenever a single lender said no.
The fix existed in theory — route every application through a stack of lenders covering every credit tier — but no platform delivered it in a way an independent operator could actually deploy. So Brad built one.
Today FormPiper connects 1,000+ independent retailers to 25+ consumer lenders across furniture, jewelry, medical, automotive, and beyond. The waterfall technology that powers the platform was designed for a specific moment: when one lender says no, the next one should automatically get the chance to say yes.
The mission is the same as day one — give independent retailers the enterprise-grade financing infrastructure the big-box chains take for granted, without the enterprise price tag or implementation timeline.
Leadership Team.
Our Values.
Merchant-First
Every product decision starts with one question: does this help independent retailers compete and win?
Radical Transparency
No hidden fees, no buried terms, no surprises. We believe trust is built through clarity — with merchants, lenders, and applicants.
Relentless Reliability
Financing happens in real time. Our infrastructure is built for 99.9% uptime because every second of downtime is a lost sale.
Independent Spirit
We exist to level the playing field. Independent retailers deserve enterprise-grade financing tools — and we're here to deliver them.