Consumer Financing for Your Customers
Close More Sales. Increase Average Ticket Size. Get Paid in Full Within 48 Hours.
Your customer pays over time. You get paid in full within 48 hours.
Customers can finance purchases from $300–$25,000 with terms up to 60 months, helping you close more sales without carrying the risk of an in-house payment plan.
When a customer hesitates on a purchase because of the upfront cost, you lose the sale. With consumer financing through Revolution Payments, powered by U.S. Bank Avvance™, that hesitation disappears. Your customers break their purchase into affordable monthly payments. You get paid the full amount within 48 hours — with zero collection risk on your end.
Is This Right for Your Business?
If your customers regularly receive invoices they would prefer to spread over time, this is built for you.
- Home improvement and contractors — roofing, HVAC, flooring, windows, remodeling
- Automotive dealers and service centers — repairs, accessories, warranties, upgrades
- Healthcare and veterinary practices — services not fully covered by insurance
- Equipment dealers and distributors — tools, machinery, specialty equipment
- Truck dealers and commercial vehicle services
- Professional services — legal, consulting, accounting
- Any business with average tickets between $500 and $25,000 where budget friction is causing lost sales
How It Works
- Send the Invoice — Your customer receives your normal Converge invoice with financing enabled as a payment option.
- Customer Selects Financing — They apply from their phone in minutes and receive an instant decision. If approved, they view installment options before the process affects their credit score — and choose the plan that fits their budget.
- You Get Paid — You receive the full invoice amount within 48 hours through your existing Elavon MID. U.S. Bank handles all servicing, billing, and collections from that point forward.
Real Example: $8,000 Job
Pay today: $8,000 due upfront
Finance it: Customer chooses affordable monthly payments over time*
What you receive: $8,000 within 48 hours — U.S. Bank handles the rest
*Example only. Actual payment amounts depend on loan term and APR determined by customer eligibility.
Features & Benefits
You Get Paid in Full — Fast
Once U.S. Bank approves your customer's loan, you collect the full transaction amount through your existing Elavon MID settlement. You carry zero financing risk. U.S. Bank handles all loan servicing, monthly payments, and collections.
Instant Decisions for Your Customers
Your customer applies directly from the invoice you send them — no separate app, no branch visit, no paperwork. Real-time credit decision in minutes. If approved, they see installment options before any credit score impact.
True 0% Interest Plans Available
Avvance 0% plans are true zero-interest loans for the life of the loan. Your customers pay exactly what they owe — no deferred interest, no retroactive charges at the end of a promotional period.
No Hard Credit Pull to See Options
Customers view the loan options they qualify for without a hard pull on their credit report. This removes one of the biggest barriers to applying and increases your conversion rate on financed purchases.
Works Inside Your Existing Workflow
Avvance is embedded directly into Converge Invoicing and the Converge Virtual Terminal. No new system to learn, no separate portal to manage. Enable financing on an invoice, send it, and the rest is handled automatically.
Simple, Transparent Pricing
Enrollment is free. You pay a Merchant Discount Rate (MDR) per funded loan, displayed on your regular monthly statement. No hidden fees. Revolution Payments refunds the MDR on returned transactions.
Key Components
- Loan amounts from $300 to $25,000 per transaction
- Repayment terms from 3 to 60 months
- APR range 0% to 24.99% depending on plan and customer eligibility
- True 0% interest plans available — no deferred interest
- Real-time credit decisions — customers know instantly
- No hard credit pull to view qualified loan options
- Merchant funded within 48 hours via existing Elavon MID
- Fully embedded in Converge Invoicing and Converge Virtual Terminal
- Up to 4 concurrent loans per customer
- MDR refunded on returned transactions
- Transaction reporting inside Converge, Payments Insider, and Avvance Merchant Portal
- Pre-approved marketing materials available to share with your customers
- Free enrollment — no setup fees
- Powered by U.S. Bank — top 5 bank in the United States
How Avvance Compares to Other Financing Options
As a merchant, you have a lot of consumer financing programs to choose from. Most fall into two categories: revolving credit cards with deferred interest, or Buy Now Pay Later apps built for retail checkout — not invoice-based businesses. Here’s how Avvance stacks up.
| Feature | Revolution Payments Financing (U.S. Bank Avvance™) | Other Financing Programs |
|---|---|---|
| Product type | Installment loan — fixed monthly payments | Revolving credit card or BNPL app |
| True 0% interest | Yes — no deferred interest, ever | Often deferred interest — surprise charges possible |
| Hard credit pull to see options | No — soft check only | Yes — hard pull typically required |
| Merchant payout | Full amount within 48 hours | Varies by program |
| Merchant carries collection risk | No — U.S. Bank handles everything | Varies |
| Works in your invoicing workflow | Yes — Converge Invoicing & Virtual Terminal | No — separate app or portal required |
| Loan amounts | $300 to $25,000 | Varies; often lower limits |
| Repayment terms | 3 to 60 months | Varies; BNPL often 3–24 months max |
| Backed by | U.S. Bank — top 5 U.S. bank | Varies by provider |
| Enrollment cost | Free | Varies |
Programs This Replaces
Buy Now Pay Later Apps (Affirm, Klarna, Afterpay) — Built for retail checkout, not invoice-based businesses. Additionally, fees run higher and the experience disconnects from your workflow., limited terms.
Deferred Interest Credit Programs — Look like 0% but hit customers with retroactive interest if the balance isn’t paid in full by the promo end date. As a result, customers blame you, not the lender.
Bank and Credit Union Personal Loans — Customers apply separately, wait days, then bring funds back to pay you. Avvance is embedded in the invoice — one seamless flow.
In-House Payment Plans — You carry all the risk and chase collections yourself. With Avvance you get paid in full within 48 hours and take on zero collection risk.
Store Credit Cards — Customers carrying large balances at 20%+ APR. Avvance gives them a structured payoff plan with a clear end date and fixed payments.
Ready to Offer Consumer Financing to Your Customers?
Talk to a Revolution Payments specialist today. We will walk you through the enrollment process, help you select the right loan plans for your business, and get you set up at no cost.
Connect with us today!