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clinic centre - retail finance provider UK

There’s no limit to who will benefit from offering instant and affordable point of sale finance to their customers.

Funding Falcon Retail Finance

Our Retail Finance Company at a Glance

  • Interest-free retail finance providers
  • 95% approval rate
  • Charged per annum
  • 45-second retail finance decision
  • Dedicated account manager
  • Same day payouts
  • Comprehensive software
  • FCA registration and compliance included
  • Consumer finance with no minimum turnover requirements
Revolutionary Retail Finance

What can Retail Finance do for my Business?

Through Funding Falcon membership, you can offer finance to your customers on any goods or services over £500 up to £35,000.

Increase your Revenue

Our revolutionary retail finance platform allows your business to secure tomorrow’s sale, today, whilst going head-to-head with retail giants, amongst a long list of benefits, including 0% consumer finance. The positive effects of giving a consumer finance option are substantial, and proven – but don’t just take our word for it, discover what Funding Falcon can do for your business below;

Retail Finance Providers UK

Boost Sales with Retail Finance

Offering flexible payment at the point of sale (POS) makes purchasing more accessible to customers of all demographics. Whether your customer is looking to purchase a big-ticket item or manage their outgoings, the probability of a sale increases as a result. Research conducted by Forrester confirms this, concluding that offering POS retail finance boosts sales by 17% in average.

Retail Finance No Minimum Turnover UK

Consumer Finance can Increase Average Purchase Value

Funding Falcon’s service makes large purchases manageable. This means that more valuable items or services can be purchased by your customers for instance. This naturally increases average order value, or AOV. According to Forrester, point of sale financing can account for a 15% increase in AOV.

Offer Finance to your Customers

Secure and Expand Customer Base

Retail Finance at the point of sale can significantly improve the customer experience. As a result, your business can retain clients, and build loyal relationships for years to come. In addition to this, offering retail finance can make products or services accessible to previously excluded demographics, resulting in significant growth in potential customer base.

Why Funding Falcon?

One of the UK's Leading Retail Finance Providers

Accessible Retail Finance
for Businesses

Our service was designed with accessibility in mind. We believe that no business should be exempt from offering finance – which is why we’ve partnered with over 20 leading lenders offering retail finance with no minimum turnover requirement. Our extensive network of loan providers allows Funding Falcon to find the right loan for every customer, across the credit history spectrum, resulting in huge increases in sales, and AOV.

Retail Finance for Small Business
Specialists

Tailoring retail finance for small businesses in the UK is the heart of what we do. Above all, we thrive on giving small to medium-sized businesses the power to compete with retail titans but understand that obtaining the resources necessary for this growth can be difficult. That’s why our cutting-edge platform can be tailored specifically to your needs. As a result, we offer an abundance of retail finance services, each with no minimum turnover requirement.

Retail Finance Made Simple

Retail finance has never been simpler. Our revolutionary application and approval process takes only a few minutes to complete, with the customer receiving a decision within 45 seconds of form submission.

We Keep It Simple

The finance application takes a few minutes, and your customer will receive a decision within 45 seconds, it’s as easy as….

1 Log In

As a member, you’ll have access to your very own finance portal.

2 Apply for Retail Finance

Open our retail finance form, and input the customer’s details.

3 Decision

Our panel of lenders will offer suitable loans, and send these to the customer with next steps by email.

We update our systems and lenders regularly, meaning you have the very best service and lending option at all times.

No Hidden Consumer Finance Costs

Transparent Pricing from one of the UK's Leading Retail Finance Companies

We’re different to other retail finance providers in the UK market. Here at Funding Falcon, we take pride in our honest pricing policy. Our retail finance memberships are tiered, with different options to suit your business’ needs. These memberships are charged per annum, meaning we will never charge your business a percentage of individual sales. 

The benefits of our comprehensive platform don’t end there – Funding Falcon also offer same day pay-outs, and dedicated account managers.

Best Retail Finance Companies

Point of Sale Finance Provider

Our Retail Package Calculator

Funding Falcon is a UK leading retail finance provider whose service is tailored to the needs of SMEs. We offer credit from £500 to £35,000 over repayment periods of 6 to 60 months, with no minimum turnover requirement. Our pricing calculator can help you discover which of our packages suits you best.

Tailor-Made Retail Finance

Helping many Industries Offer Consumer Finance to Customers

Below are just a few of the sectors in which Funding Falcon helps its UK clients offer finance to their customers. If your sector isn’t on the list, feel free to contact us! Our advisors will be happy to discuss your requirements.

Retail Finance for Small Businesses

Lifestyle

Portrait Photography, Wedding Dresses, Jewellery, Watches, Designer Clothes and Accessories, Art & Antiques

Point of Sale Finance Providers in the UK

Home Renovations

Alarms/CCTV systems, Solar Panels, Kitchens/Bathrooms, Conservatories, Windows/Doors/Shutters, Damp Proofing

POS Finance Providers in the UK

Outdoor Living

Hot Tubs/Spas, Furniture/Equipment, Garden Buildings (office, sheds, etc.), BBQs, Water Features

Point of Sale Financing

Hair & Beauty

Hair Extensions, Hairdressing Courses, Makeup Courses, Nail Education Courses

Retail Finance Solutions in the UK

Medical Procedures

Cosmetic Surgery, Laser & Skin treatment, Non-Surgical Solutions

Retailer Finance UK

Training

Vocational Training, Trades Training Courses, CV Enhancement, HGV/LGV Training

Consumer Retail Finance Providers in the UK

Technology

Consumer Electronics, Appliances, Custom Computers & Hardware, Cameras, Computers, Audio Visual

Retail Point of Sale Credit Provider UK

Indoor Living

Soft Furnishings, Curtains & Blinds, Flooring, Furniture, Beds, Sofas, Appliances

POS Finance Services in the UK

Sport & Leisure

Season & Event tickets, Airguns/Guns, Camping/Caravans, Fishing, Equestrian, D.J Equipment, Musical Instruments

Seal the Deal with your Customers

By using Funding Falcon’s intuitive platform, you can offer finance to your customers with ease. Your dedicated portal seamlessly allows you to process and manage customer applications.

From our experience, having a centralised approach takes the stress and hassle away from managing customer finance, and makes for easier bookkeeping! As a result, you can spend more time delivering a fantastic service or product to your customers, and less time worrying about your retail finance.

Retail Finance Member Packages

Our Consumer Finance Package Pricing

We pride ourselves on our commitment to transparent consumer finance pricing, and our revolutionary retail finance membership billing format. Funding Falcon offers a variety of annually chargeable membership tiers suited to a variety of businesses. As a result, this means we’ll never take a cut of individual sales, unlike many other retail finance companies. Take a look at our three membership options below, or, use our price calculator to receive a quote tailored to help your enterprise offer finance to customers.

Basic

£900 / P.A +VAT
  • FCA Registration
  • Finance from £500 to £35,000
  • 24/7 Portal to process and manage applications
  • One user account
  • Ongoing support

Pro

£1200 / P.A +VAT
  • FCA Registration
  • Finance from £500 to £35,000
  • 24/7 Portal to process and manage applications
  • Finance application plugin
  • Up to 3 user accounts
  • Ongoing Support
  • Marketing Material

Team

£1950 / P.A +VAT
  • FCA Registration
  • 0% lending from £50 to £5,000
  • Unsecured Finance from £500 to £35,000
  • 24/7 Portal to process and manage applications
  • Finance application plugin
  • Up to 6 user accounts
  • Ongoing Support
  • Marketing Material
  • Your Own Branding

Retail Finance Providers

Retail Finance FAQ's

As one of the leading retail finance providers in the UK, Funding Falcon is here to help answer any burning questions you may have about offering your customers a finance option. If you can’t find the answers you’re looking for in our FAQ section, feel free to contact us.

What is Retail Finance?

Retail finance offers credit to the customer at the point of sale. Retail credit allows for the purchase of goods or services, whilst spreading repayments through instalments across select time periods, such as 6, 12, or 60 months. Whilst traditional transactional methods force the customer to seek external financing methods when buying an item using credit, retail finance allows companies to keep things internal, by offering applications and credit via partners such as Funding Falcon.

Retail finance, or retail credit, can be applied to many methods, with the most commonly used in the UK being as follows;
· 0% finance
· Bullet loans
· Buy Now, Pay Later
· Finance with Applied Interest

Retail finance is a great sales driver, as it makes retail more accessible than ever to the customer. Offering credit in this form at POS increases big ticket purchases without necessitating price alterations.

Which sectors are suitable for retail finance?

Retail finance can provide a substantial boost to sales across many sectors. It is not particularly suited to one sector more than another, and is used widely throughout the UK by businesses offering jewellery and fashion, consumer electronics, luxury goods, home improvement, electronics and appliances, medical procedures, and vehicles, just to name a few.

How can I offer credit to customers?

Companies wishing to offer their customers finance or credit can either administer loans independently, or partner with a third-party financing firm, such as Funding Falcon, to manage applications and credit on their behalf.

Offering retail finance, or retail credit at the point of sale can be the difference between a big-ticket purchase, and the loss of a customer. Once partnered with a retail finance provider, credit can be offered at the point of sale via an easy-to-use application system. This is most commonly completed on a tablet computer when offered in store.

Funding falcon usually returns a decision regarding applications within 45 seconds.

What are the benefits of offering retail finance to customers?

Retail finance has a long list of benefits for businesses of all sizes. Listed below are just a few;

· Increases in sales and average spend - on average finance can increase sales by 40% and average spend by 200%

· Extra cash flow - By giving your customers a way to pay, you are securing your sale, and driving your cash-flow upwards.

· More customers - 72% of the East of England use consumer credit as purchasing power.

Credit makes retail more accessible to customers, and is hugely beneficial to both the company, and the consumer.

Is there a minimum turnover for retail finance?

Retail finance providers often have a minimum turnover requirement for partners. This, however, is not the case with Funding Falcon. With us, there’s no minimum turnover, no minimum years of trading and no waiting list. To find out more, take a look at our membership tiers today, or get in contact – one of our finance specialists will be happy to assist you.

Will retail finance affect my business’ cash flow?

With Funding Falcon, there’s no need to worry about cash flow. Any purchases made with retail finance with us are paid in full to the customer, who will then pay the retailer or business. The customer answers to the lending company, meaning providing retail finance through funding falcon is risk-free.

Do I need FCA authorisation to provide point-of-sale finance?

All of Funding Falcon’s products are regulated, meaning an FCA licence is required in order to access our lending network. If you wish to work with us and do not have an FCA licence, your business will be registered under our licence as an IAR, or introducer appointed representative. This process will take between 10 and 20 days.

How much does it cost?

Our packages start from £900+VAT annually. Check out our pricing page for a full range of annual prices or call our offices for multi-year deals.

Do you take care of the FCA licence?

Yes, we do take care of the FCA licence for you. As well as submit documents and reports to the FCA.

What's the APR?

The APR starts from 3% and the overall result will depend on the customers own personal circumstances, credit history and affordability checks.

What's an IAR?

Your company will become an Introducer Appointed Representative (IAR) of our licence, this means that you will be authorised and regulated by the FCA, whilst you are under our membership. If and when your membership with us draws to an end, you will no longer hold any type of licence with the FCA. You must obtain an IAR with us even if you already have an existing IAR with another finance company. You will be exempt from needing this licence should you hold a consumer credit licence.

Do we need a minimal turnover/trading time?

You do not need a minimal turnover amount or trading time, we understand that each business has its own purpose and end goals therefore we do not determine which companies we work with by either of these. Call one of the team today to see if we can work with you.

Are there any additional costs?

We charge only an annual or multi year fee. Other than this we DO NOT charge any additional costs to any of our members.

Can my customers apply online?

Depending on which package you decide to go for we will provide the option to process applications online.

Do you offer interest free consumer finance?

Funding Falcon has recently started offering interest-free consumer finance in the UK. Talk to our retail finance company today for my details.

Will we have access to updates?

Indeed, you will have access to updates, via the online portal. You will be given both access and training for this as part of the final stages of your membership process.

Do you pay us or the customer?

We pay the customer directly, this is the easiest and most hassle free way to use finance! It means that you bill the customer and they pay you in a lump sum amount directly, like a cash buying customer would. There’s less hassle and worry too - as any missed payments or defaults of any kind won’t fall back on you, but instead are between the lender and the customer.

Do you offer retail finance for small businesses?

Yes we do! At Funding Falcon, we are delighted to offer a range of retail finance packages to SMEs (small to medium enterprises) across a range of industries. We offer retail finance packages to SMEs from as little as £81.00 per month (including VAT) that feature no minimum turnover requirements.

In our ongoing commitment to financial transparency, we’ll never take a cut of your individual sales. Coupling this with the cutting-edge, 24/7 Portal access you will receive as part of your package to manage and process your customers’ applications means you can secure and expand your customer base with ease.

How can I improve my SME's finance?

There are many ways to improve your SME’s cash flow but having a flexible payment option at the POS can help massively. Forrester concluded having a flexible payment option at the point of sale (such as a retail finance option) could increase the number of sales by 17% on average.

This same study concluded that a retail finance platform might make large purchases manageable, and so a customer is more likely to think that they can make a larger purchase than they otherwise normally would. This can potentially increase the average order value by 15%.

By introducing a flexible payment platform from a retail finance company like Funding Falcon, you could both maintain and expand your client base, and the frequency and size of the purchases they make.

Why should I offer retail finance to my customers?

As a business, there are many ways you can benefit from offering retail finance to your customers. These can include potentially increasing your average number of sales, average purchase value, and number of customers. By offering retail finance to your customers, you increase their flexibility and means to make purchases.

By offering a finance option at the point of sales (POS), you increase the accessibility of your products or services. Your customer may be more inclined to make a high-value order that they normally wouldn’t, or if they’re on a budget, being able to spread the cost may help persuade them to convert. Forrester found that offering a POS flexible payment option can, on average, boost sales by up to 17%.

As we have discussed, the accessibility of your products or services increases with a retail finance option. This means that higher value products or services can be considered by people who would otherwise not be willing to pay the whole charge in one go. This in turn means that average order value (AOV) tends to increase, and Forrester found that introducing retail finance can increase AOV by up to 15%.

With a greater number of people available to access your products or services as a result of retail finance, your business will be in a greater position to build long-lasting relationships with its customers and to ensure customers come back to you again and again. With more people likely to make the purchase, and more of them likely to return, your customer base could expand.

What does buy now pay later mean?

Buy now pay later (BNPL) effectively does what it says on the tin. Your customer can order the product or service now, and then spread the cost across an agreed period, paying at regular intervals. Some providers will refer to this as a point of sale (POS) credit option.

In a nutshell, the way this works is quite simple. Once a customer has made their order, instead of paying at a physical or digital checkout, they opt for a BNPL option. In this case, the BNPL service provider will pay the retailer, under the agreement that the customer will pay back the BNPL provider over an agreed period of time. This enables customers to spread out their expenses.

What does FCA stand for?

FCA stands for the Financial Conduct Authority. This UK regulatory body is the conduct regulator for more than 58,000 financial service firms and markets and has the role of keeping the UK financial industry stable, protecting consumers, and ensuring that good competition can be maintained among financial services.

The FCA, whilst regulatory, is independent of the UK government. The main goal of the FCA is to ensure that the financial markets (and the services they contain) are fair, honest, and effective so that consumers are treated fairly, and know exactly where they stand. The FCA sets the standards, so by working with an FCA-regulated organisation you can ensure that all financial services are above-board.

What is a finance platform?

Funding Falcon’s finance platform is a combination of the retail finance service we offer our clients, and the cutting-edge online portal we give our clients access to. Funding Falcon’s finance platform is revolutionary; enabling your business to offer fast and flexible payment options to your customers when they need it.

Our retail finance platform offers an up to 95% approval rate, 45 second finance decisions for your customers, a dedicated account manager to handle your requirements, same-day pay-outs, membership package pricing and more. Depending on your membership, you can also benefit from your own branding on your finance portal, having up to 6 user accounts, and a finance application plugin.

What is a finance provider?

A finance provider is a corporate body that either lends money or provides credit as a matter of business, arranges, or enables equity or debt finance as a matter of business, or an organisation that secures, enables, or plans for invoice discounting or factoring as a matter of business.

This does not include businesses or organisations that enable customers to secure products or services on credit, only by providing these products or services before payment of part, or all, of the amount due is paid.

A common example of this exclusion would be a supplier to the trade enabling their customers to order “on credit”, for the amount due to be paid in full or in part later. This supplier to the trade would not be a financial service provider.

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What Our Clients Say About Us

  • Absolutely fantastic service and business support. Our account manager is a gentleman called Paul, nothing is ever too much trouble and always delivers full information to our questions. From start to finish the service has been smooth, informative and highly professional. Great company and I highly recommend their services.
    Aesthetica & Wellness Centre Ltd
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  • Paul was extremely informative and helpful. I know I have the ongoing support and feel I’m good hands. Really nice friendly guy.
    VELO E-Mopeds
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  • Could not have been any easier! Very clear and simple process for retailer and consumer.
    The Packhouse
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  • Great process from the initial enquiry through to being set up and ready to offer finance through Funding Falcon. The team there has been so friendly and helpful. This is a huge asset to offer as a business, and it being easy to use makes it so much more worthwhile.
    Mon Training Centre
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For more info, or if you have any questions, feel free to contact us

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Unit 5, Buggle Business Centre,
85 Dales Road,
Ipswich, Suffolk,
IP1 4JR

Monday - Friday: 9.30AM - 5PM

Saturday: 10.30AM - 3PM

Sunday: Closed

Drop us a line, and we’ll get in touch with you to discuss how we can help your business get EXTRA customers, EXTRA sales, and EXTRA cashflow.

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