Merchant guide for:

  • Taking Applications
  • Logging in to the Merchant Portal
  • Invoicing and Completing Transactions


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 to get started. We included it in your Welcome Email at onboarding. Request it again if you’ve lost track of it.

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, 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 social posts or emails.

Post it In-Store

Point of Sale Flier

Printable pdf point-of-sale flyers customized with your link and QR code are available! Put one in a stand, print up a bunch- it’s up to you. Now available with and without an area to place your logo.


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

log in location

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 registered with us as a merchant.

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

Click Sign In to continue.

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

Get One-Time Password

check the box

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 the sender “Info”, check your junk folder.

Complete the Validation

enter code

Input the 6-digit code from the email and click 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

Click the Upload Symbol


Within your dashboard, to the far right of each customer, is an upload icon. When you are ready to create the invoice for a customer, click the upload icon next to them.

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 information 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, 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 Save or Save & Submit (if available) when all fields are complete.



Once the customer has signed their contract and made any required down payment, Terrace Finance will notify you via email that the transaction is complete. DO NOT release the merchandise to the customer until you have our confirmation.


A: Yes! We offer merchant training sessions which you may take advantage of as many times as you need. Whether you are brand-new or just need a refresher, make an appointment here for a 1:1 with a specialist. Just have a quick question? You can always call us at 888-509-1370.

A: Yes! We encourage you to let us educate your entire team so your store can get the most out of our service. Request a group appointment for your team here. Have a special topic in mind you would like covered? Call us at 888-509-1370.

A: No worries- it happens all the time! Request it here or give us a call at 888-509-1370 if you need it immediately.

Additionally, if it’s been a while since you signed up, we now have shorter links that are more appropriate for sharing via social media and email. Get yours today!

A: Embedding the link is not difficult if you have access to and are accustomed to making edits in the back-end of your site yourself. If not, this is where you give your developer a call. It’s a 5-minute task for a developer.

There are some things to consider first before beginning. Do you already have a dedicated financing page with your other providers listed, or will that need to be created? What is the existing format or how do you want it to look? We offer various banner formats available for download at Your link may also be embedded in a button similar to the other hyperlink buttons you already have on your site. The video below has step-by-step implementation directions for you or your developer. Still need assistance? Give us a call at 888-509-1370.

A: Once your link is installed, log out of your web platform. From your live site, click your link as a customer would. If you arrive at the Terrace Finance application as expected and the last 4 digits of the string of characters that appear in the address window match your store number, then the installation is a success. Not sure what your store number is? Give us a call to confirm at 888-509-1370.