🧱 How to Structure a Sale Using Consumer Financing

💡 Why Customers Choose Financing

Consumers typically use financing for three reasons:

They don’t have the cash or credit available to cover the full cost.
They prefer not to use their own cash or credit, even if they could.
They want to protect their credit by avoiding high credit-card utilization.

Financing isn’t just a lifeline for buyers — it’s a sales tool that helps you close more deals and reach customers who otherwise couldn’t move forward.

💬 Selling Payments Instead of Price

When a product or service costs over $1,000, many customers get cold feet.
But framing that same offer as a monthly payment can keep the conversation alive.

Instead of saying:

“This package is $3,000.”

Try:

“You can get started for as little as $100 per month for 36 months.”

That’s the difference between a customer walking away — or saying “Tell me more.”

Use the Flexxbuy Loan Calculator to estimate monthly payments.

Interest rates start around 3.99%, but typically range from 9.99% to 32%.
Terms are usually 36 to 60 months (loans under $3,000 may cap at 36–48 months).
To present the lowest payment, assume 10% APR and 60 months.

💬 Think of it like the auto industry — nobody talks about the total cost of the car, they talk about the payment.

🧠 The Psychology Behind It

For most people, finding money is harder than fitting payments into a budget.
Whether your sale is $1,000 or $50,000, you’ll close more deals by showing affordability rather than focusing on the total.

And if the customer doesn’t like their loan options?
No problem — they can still pay another way.
Financing simply opens the door to a sale you might not have had otherwise.

💵 How to Handle the Flexxbuy Funding Fee

Most businesses simply absorb Flexxbuy’s funding fee, just like they do with credit-card processing fees.
But if your margins are tight, there are two simple ways to build it into your pricing:

Option 1: The Convenience Fee Approach

Add a small, transparent fee to the sale.

Example:

Cash/credit price = $3,000
Add 5% convenience fee = $150
Total = $3,150

This covers your cost while keeping your net revenue the same.

👉 You can generate a customer-ready invoice using the Flexxbuy Invoice Creator.

Option 2: The Rebate Approach

Rebates are a classic strategy — used everywhere from retail to auto sales.

Here’s how it works:

Set your normal selling price as the “after-rebate” amount.
Add your desired fee on top to form the “full” price.

Example:

Full price = $3,150
Instant rebate = $150 (applies to cash or card payments only)
After-rebate price = $3,000

If a customer uses financing, the rebate doesn’t apply — they pay the full price.

💡 This approach works best for products or services with fixed pricing.

🏦 Tip: Help Customers Plan for Lender Fees

Most lenders charge a 1%–6% origination fee, deducted from loan proceeds before funding.
Encourage your customers to factor that fee into the amount financed to ensure they have enough to cover the full purchase price.