Terrace Finance 360 logo

A 360°
Finance Solution

Designed to Grow EVERY Part of Your Business

Terrace Finance provides hassle-free access to finance solutions for every part of your business — including your customers — through our multi-lender platform.

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Your Business

We bring financing full-circle and provide focused 1:1 attention to identifying the right programs to help you grow your business in all areas, including:

  • Lines of credit for floor plans
  • Fleet rentals
  • Bulk purchases
  • Working capital for cash flow requirements
  • Terms with suppliers
  • SBA, PPP, EIDL Loans
  • Business acquisition & expansion
  • Equipment leasing and financing
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Consumer Customers

We provide access to alternative payment solutions for all of your customers—REGARDLESS of credit profile—with NO MANDATORY DEALER FEES!

  • Single, paperless application
  • Multiple lenders
  • All credits considered
  • Convert up to 70% of your declines and say YES to MORE customers
  • Empower customers to buy MORE
  • Grow loyalty and referrals
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Commercial Customers

We help you connect the finance solution dots for your commercial and municipal customers.

  • Wide variety of lenders to meet unique business needs
  • Secured and unsecured loans
  • Repair and service financing
  • Equipment finance and lease solutions
  • Personal attention

Serving Your Business

Utilize the power of our platform to manage and grow YOUR business.

Our hassle-free process brings financing full circle for your business finance needs. Our platform and network of lenders is designed to remove obstacles and help you obtain the right working capital loan and equipment finance products for your unique needs.

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Seasonal Flow

Seasonal differences in cash flow are typical of many businesses. This can create a need for extra capital to gear up for a busy season or to keep the business operating during slow periods.

Bridge the gaps

Bridging Gaps

Additional working capital is sometimes needed to fund obligations to suppliers, employees, and the government while waiting for payments from customers.

Buy in Bulk

Buying in Bulk

Extra working capital can help improve your business in other ways, for example: enabling you to take advantage of supplier discounts by purchasing in bulk.

Special projects

Special Projects

Working capital can also be used to pay temporary employees or to cover other project-related expenses.

Serving Your Customers

Provide more ways for customers to pay and say YES more often.

The Terrace Finance* network of lenders offers a wide variety of traditional and alternative payment solutions across all 50 states for your customers, regardless of credit profile — all through a single application. Providing multiple lenders allows us to offer more customers a greater chance of approval so you can SELL MORE! Our streamlined process makes closing deals easier for both you and your customers at NO COST to you.

No Out-of-Pocket Costs
  • NO sign-up costs
  • NO sales minimums
  • NO mandatory dealer fees
  • NO participation in buy-downs
New Customers & More Approvals

With more ways to pay, new customer segments—including those turned down for traditional financing—can now shop your products and services.

Higher Order Values

Studies show a 15% increase in purchase amounts when financing and alternative payment solutions are offered.

Drive Repeat Business

Encourage loyalty and referrals by providing a pathway to purchase for all customers.

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Consumer Customer Benefits

  • Spending power up to $50K
  • Easy to apply in-store or online
  • One application provides access to multiple lenders and programs that fit their unique needs and credit profile
  • Primary, secondary, tertiary lending programs available for all applicants

Commercial Customer Benefits

  • Spending power of $500 – $1M+
  • Easy to apply in-store or online
  • One application provides access to multiple lenders and programs that fit their unique needs and credit profile
  • Many types of programs provide a variety of payment solutions for all businesses regardless of time in business or balance sheet
  • New and used equipment eligible
  • Ability to include service agreements
  • Capability to handle municipal deals

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