Your step-by-step guide for:

  • Taking Applications
  • Completeing transactions in the Merchant portal


apply icon
Customer applies in-store or online using your Customer Application Link.
get matched icon
The Terrace Finance platform works to match the customer with a lender.
thumbs up icon
Notification of approval status is sent to both you and the customer.
send invoice icon
You create and send an invoice for the final total of the goods within the merchant portal.
lender icon
The contract and first payment are initiated by the assigned lender.
You receive confirmation from the lender and release the goods!


Our application is PAPERLESS! All you need is your unique Customer Application Link from your Welcome Kit to get started. You received this when you signed up with Terrace Finance. Request yours below.

3 Ways to Use Your Customer Application Link

Embed it on Your Site

apply button example

Your unique link can be embedded in a button, page, image, or menu item. Tech-savvy? Go for it! Not so much? It’s an easy add for your web developer.

Share it Online

Email or text your link to customers. Keep it bookmarked in your browser so it’s easy to find when you want to copy and paste it into posts or emails.

Post it In-Store

Point of Sale Flier

Printable pdf point-of-sale flyers that can be customized with your link and QR code are available! Put one in a stand, print up a bunch- it’s up to you. Want it? Request it here.


Once customers begin submitting applications using your link, the deals will be visible on your merchant dashboard within the Terrace Finance Merchant Portal. Log in to monitor the status of each of your applicants and complete transactions.

Login Steps

Click the Log In Button

The Login button is located in the top right corner of this website.

Sign In With Username & Password

Your username is the email address you provided when you signed up.

Utilize the temporary password given to you in your Welcome Kit/Email for your initial sign-in. Call us at 888-509-1370 for password assistance.

Hit Sign In to continue.

Watch the video below to learn how to change your password to a secure once of your choosing.

Get One-Time Password

2-step verification-step1

Check the box next to “Email ID” and hit Continue to receive a 6-digit code to complete your secure sign-in.

If an email with the code does not arrive immediately from sender “Info”, check your junk folder for it.

Complete the Validation

One-time password screen

Input the 6-digit code from the email and hit Validate OTP to gain access to your merchant dashboard.

For your security, steps will have to be repeated each time you log in.


An invoice must be submitted through the system in order to complete a transaction and receive funding from a lender. When Customer Status is “APPROVED” you are ready to submit an invoice.

Invoicing Steps

For Community Finance & TEMPOE
For American First Finance, submit invoice through the AFF portal

Option 1:

Click the Eyeball

Invoice step 1

Within your dashboard where your customers are listed, there is an eyeball at the end of each row on the right-hand side. Next to the customer you want, click on the eyeball to start an invoice.

Click the “+” Sign

Invoice step 2

Certain fields within the invoice will be auto-populated. You will need to fill in the rest. Click the “+” sign to enter the product in formation of the item(s). Keep clicking the “+” to add more items.

You can upload your own invoice from your computer, but it must contain the same required info such as brand, SKU, etc. To upload your own, click the “+” sign and then below it hit the blue “select file(s)” button to import.


Submit Invoice

In order to submit the final invoice, fields in red should be auto-populated by the system. Fields in green* should be completed by you.

If the lender has not issued an approval yet, the Approval Amount field will be blank. You can click Save and come back to the invoice when the customer receives their approval.

Click the Save and Submit buttons when all fields are complete.

*For TEMPOE, only enter product cost. Tax is remitted by TEMPOE.

Option 2:
Email invoice to