Consumer Financing

    Stop losing sales
    to declined applications.

    Most merchants lose 35–40% of financed sales because a single lender said no. FormPiper routes every applicant through your full 6-tier waterfall — automatically — so one decline never ends the conversation.

    See It in Action
    87%
    Avg. approval rate
    6
    Lender tiers, one form
    0
    Re-entry for customers
    FormPiper financing application on mobile — customer-facing flow
    The hidden cost of a single lender

    Every re-entry form loses you a customer.

    The loss is not the first decline. It is the moment declined shoppers are asked to fill out another application.

    100applicants enter the funnel

    Traditional waterfall

    Approvals happen, but every handoff leaks opportunity.

    100 fill out Lender 1
    38 approved100
    62 still need financing
    62 are told to start over
    28 abandon62
    Manual re-entry creates the leak
    Only 34 reach Lender 2
    34 continue34
    28 opportunities never get evaluated
    Opportunity lost at re-entry
    28/62

    These are declined shoppers who never make it to the next lender.

    FormPiper waterfall

    One application, every declined shopper stays eligible.

    100 complete one application100 captured
    Same starting point
    38 approved by Lender 138 closed
    No second form needed
    62 auto-routed to Lender 262 routed
    No restart, no abandonment
    Every declined shopper stays in play0 lost
    FormPiper keeps the waterfall intact
    Declined shoppers still routed
    62/62

    The same shoppers who would have been asked to restart are automatically sent forward.

    28/62declined shoppers abandon when they are asked to re-enter information.FormPiper routes all 62.
    What that unlocks
    0+
    Additional approvals per 100 apps
    0%
    Approval rate
    0%
    Re-entry friction
    0x
    Revenue per customer
    The Journey · 4 steps · under 60 seconds

    From application to approval — see exactly what happens.

    Both sides of the counter, in real time. What your customer sees. What you see.

    Takes under 2 minutes
    Step 1

    Customer fills one form

    Your customer enters their information once. Name, income, the amount they need. That's it. No lender logos, no confusing choices — just a clean form that works on any device.

    FormPiper financing application — customer view
    Merchant Dashboard

    From application to funded —
    you see every step.

    While FormPiper handles the routing, your dashboard tracks every application in real time. Know exactly where each deal stands, without making a single call.

    Application Pipeline
    Submitted
    Application received, routing begins
    In Review
    Lenders evaluating simultaneously
    Approved
    Best offer returned, awaiting decision
    Signed
    Contract executed digitally
    Funded
    Money in your account
    Your Dashboard

    Every deal, tracked.
    Nothing slips through.

    FormPiper gives you four dimensions of reporting — so you always know where your revenue is coming from and where you're leaving money on the table.

    • Location: See performance across every store or branch — approval rates, funded volume, and deal count by location.
    • Lender: Know exactly which lender tier is closing deals and which ones are underperforming so you can optimize your stack.
    • Associate: Track financing offers and close rates by sales rep — identify your top performers and coach the rest.
    • Marketing Links: Attribute funded applications back to the campaign or link that drove them — close the loop between spend and revenue.
    FormPiper dashboard — live application tracking and lender performance
    Your Revenue Potential

    What does a higher approval rate
    mean for your business?

    Adjust the sliders. See what happens when more of your applications reach a yes.

    Goal Calculator

    241
    42%
    38%
    $2.8k
    $107,698

    See what's possible when every payment has a path to close.

    Schedule a Demo
    The Lender Waterfall

    Every applicant has
    a path to yes.

    FormPiper routes each application down this stack automatically. One decline doesn't end the sale — it triggers the next opportunity.

    PrimeYour strongest applicants. Best rates, fastest decisions, highest funded amounts.
    Near PrimeGood credit with a few blemishes. Still solid approval odds with the right lender.
    Sub PrimeThin credit or past challenges. Specialty lenders are built for exactly this customer.
    Lease to OwnNo credit score required. Customer leases the product with a purchase option at the end.
    In-HouseYou become the lender. Set your own terms, collect on your schedule, keep every dollar.
    Revolving Credit CardsStore-branded and co-branded cards give customers another familiar path to purchase.

    Most merchants only use one or two tiers. FormPiper runs the full stack — automatically.

    How FormPiper Works

    Your team does less. Your approval rate does more.

    FormPiper handles the routing, the lender communication, and the contract — so your staff focuses on the sale, not the paperwork.

    01

    One Application, Every Lender

    Your customer fills out a single form. FormPiper submits it to your entire lender stack simultaneously — no re-entry, no second form, no abandoned deals.

    02

    Automatic Waterfall Routing

    If the prime lender declines, FormPiper instantly routes to the next tier. Your sales team never has to chase a decision or make a call.

    03

    Decisions in Seconds

    Real-time responses from every lender the moment the application is submitted. Your customer gets an answer before they leave the counter.

    04

    Sign & Fund on the Spot

    Approvals trigger a digital contract instantly. Your customer signs, you get funded — the entire process can close in one visit.