Pay Over Time

Hassle-free access to payment solutions for everyone

Personal Transactions
Business Transactions
$500 and Up
Government Transactions
$15,000 and Up

Why Terrace Finance?


Our Specialty Markets

Zero-Turn Mower

Terrace Finance powers Mower Finance, our division dedicated to landscaping, maintenance, and agriculture equipment. See the breadth of our offerings on our Mower Finance site.


We’re animal lovers who are dedicated to helping people finance their beloved pet and all the things that go along with pet ownership. The Terrace Pets network of responsible breeders takes the guesswork out of the process.

spin bikes

Our team can finance fitness equipment and sporting goods for home as well as commercial use. In fact, they can help you fit out an entire fitness facility right down to the flooring, mirrors, and AV equipment.


Programs are available for new and used boats and engines through our specialty marine lenders.

thumbnail-golf cart

A 1-stop-shop for property managers of HOAs, golf, fitness, & wellness clubs. Commercial programs are available for a wide variety of equipment types as well as working capital.

The Terrace family includes snow & ice equipment specialists. Visit our Mower Finance division’s Snow & Ice specialty page to see what we’re up to during the winter months!

What People are Saying

We applied for the EIDL and SBA loans this morning. We will apply for the paycheck program and a 7a as soon as the details come out. Our loan officer at Terrace Finance has been amazing to work with if you have any clients who need help accessing these programs and filling out all the forms correctly.
Alice C.
Med Answers
Working with John and the Terrace Finance team was a difference-maker in initiating and resolving my small business financial needs. They made the process seamless and effortless as possible while expediting the process for me to receive business funding requirements to pay vendors. Excellent job done and would recommend finance services to those I know as I anticipate being a continuous customer of their financial services.
Gerald G.
Tapout Fitness
The financing I worked on with Terrace Finance and John Papadopoulos went so smoothly, I used them a second time! I recommend them to anyone looking for a smooth, hassle-free team that does what they can to make a deal that will work for you!  They are honestly the best.
Gina T.
Hanna Commercial Real Estate

How is Terrace Different?

We’re a multi-lender platform.

What does that mean? It means you don’t have to shop around for financing, filling out multiple applications directly to lenders to access a range of alternative payment solutions. Terrace Finance saves you time and aggravation by sourcing your single application to our network of lenders, filtering based on your needs and the lenders’ criteria.

Because we are not a lender ourselves but represent a range of lenders curated to serve the full credit spectrum, we can cover more product categories, dollar amounts, needs, and can boast a higher chance of approval than a single-lender platform can.

bankers icon

It’s not just about the technology.

At Terrace Finance, our expert customer service team is just as important as our technology. Available for extended hours, they can provide live help whenever customers or merchants have questions or are uncomfortable with the process. Commercial and municipal transactions are assigned an account representative that walks you through from application to funding.

We can help you shop.

Interested in a specific item or brand, but not sure where to go? We can refer you to a merchant in your area who partners with us for financing. We have a rapidly growing network of merchants, both brick & mortar and online, linked to our platform selling all kinds of products. However, you aren’t limited to our merchant network. We have a high success rate working with off-network retailers chosen by customers. As long as the retailer is willing to submit an invoice to your lender match, we can complete the transaction manually.

shopping street

An Intro to our Consumer Application…

When you apply with Terrace Finance, you enter our multi-lender platform. Personal and small business deals are handled by our automated system. The Terrace customer service team is standing by to help you if you need it. Our video explains how it works.

Commercial deals of $15,000 or more are handled by our expert commercial team. Once the initial application is filled out, they will contact you with next steps. We have multiple programs to fit your needs, and they will make sense of it all for you, so you only have to apply once.