Furniture Store Financing That Never Loses a Sale

FormPiper's waterfall covers all credit tiers. Prime lenders handle 700+ scores, near-prime covers 600-699, sub-prime handles below 600, and lease-to-own options are available for customers with limited or no credit history.

When traditional financing is declined, FormPiper automatically routes the application to lease-to-own providers like Koalafi and Katapult. The customer selects their items, signs a lease agreement, and takes delivery — with the option to own the furniture at the end of the term.

Yes. FormPiper supports online pre-qualification so customers can check their eligibility before visiting your showroom. This reduces in-store friction and helps your sales team focus on closing.

No. FormPiper has no minimum ticket requirement. You can offer financing on any purchase — from a $500 accent piece to a $15,000 bedroom set.

Most furniture stores are fully onboarded within 5-10 business days. Our team handles lender configuration, POS integration, and staff training at no additional cost.

No. FormPiper works alongside your existing point-of-sale system. It adds a financing layer — it doesn't replace your current tools.

Yes. FormPiper routes every application through a full waterfall — prime, near-prime, sub-prime, and lease-to-own — so customers with low or no credit still get real approval options. Retailers close the sale instead of losing it to one declined application.

Pre-qualifying does not affect the customer's credit score. Many lenders in FormPiper's network use a soft credit check to show options up front; a hard inquiry only happens if the customer accepts an offer and proceeds.

A store card such as Synchrony or a single lease-to-own provider like Acima is one approval box. FormPiper is a multi-lender waterfall that keeps routing when one declines — so you're not capped by a single issuer's approval rate. One application covers prime store cards through lease-to-own.

Approval amounts depend on the lender and the customer's credit. FormPiper's network includes lenders that approve everything from a single accent piece to a whole-home order up to $25,000 for qualified buyers.