The Challenge.
High Upfront Program Costs
Multi-session packages and certification programs cost $2,000 to $20,000+. Without financing, families and adult learners can't commit.
Payment Flexibility Is Expected
Parents and adult learners need manageable monthly payments — not a lump sum. Without options, they delay enrollment or choose a cheaper alternative.
Education-Specific Lender Competition
Competitors like Climb Credit offer financing built for education. Without a multi-lender waterfall, you're limited to a single approval path.
Seasonal Enrollment Cycles
Enrollment spikes in fall and winter create cash flow surges followed by slow periods. Financing helps smooth revenue year-round.
How FormPiper Solves It.
Finance Full Programs or Packages
FormPiper finances entire tutoring packages, certification programs, and multi-month learning plans — not just individual sessions.
Parent-Friendly Application
Parents apply from their phone, a tablet at your center, or on your website. The process is simple, fast, and designed to reduce enrollment friction.
All Credit Profiles Covered
FormPiper's waterfall ensures every family has options — from prime lending to lease-to-own for those declined by traditional lenders.
Recurring Payment Plans
FormPiper's in-house payment feature enables custom recurring payment plans — making education investment as simple as a monthly subscription.
How It Works.
Parent or Learner Applies
One simple application on a phone, tablet, or your website — fast and stress-free.
Waterfall Routes
FormPiper routes the application through multiple lenders — prime, near-prime, sub-prime, and in-house payment plans.
Instant Decision
Applicant receives approval with terms in seconds. Enrollment can proceed immediately.
Enrollment Begins
Applicant accepts terms, signs digitally, and starts learning. You get paid — they pay over time.
Education Financing FAQs
Common questions about financing for education retailers.