Your Winning Partner for Finance

Boost sales with our 1-stop payment solution

Built with Busy Merchants in Mind

Enjoy the benefits of offering alternative financing to your customers without the hassle of assembling programs from multiple providers in order to serve everyone. Terrace Finance makes it easier to save the sale with a 1-stop solution with a range single-lender solutions can’t compete with. It’s a no-brainer with no fees and no risk!

10 Ways Terrace Can Help Your Business


No Mandatory Merchant Fees

Easy to Implement

Competitive Programs

Live Customer Service

Customer Range

  • Consumer
  • Commercial
  • Municipal
  • Non-Profit

Credit range

  • A-E credits
  • Consumer Down to No Credit
  • Commercial Down to 500 FICO
  • Start-Ups Welcome

Dollar Range

  • Consumer: $50 to $75K
  • Commercial$500 and Up
  • Municipal $1500 and Up

Program Range

  • Loans
  • Leases
  • Installment Finance
  • Credit Lines
  • Many Early Payoff Options

Product Range

  • Most Durable Goods
  • New & Used
  • Any Brand
  • Repairs/Installation
  • Titled and non-titled equipment

No mandatory merchant fees!

Terrace Finance is economical for merchants with no mandatory fees to chip away at your margins.

  • ZERO fees for our standard programs (fee-based programs are optional)
  • No sales minimums
  • No mandatory invoice buy-downs
  • Optional promotional rate programs available

Easy to implement and use

Through a single application portal, any customer — regardless of credit situation, size of transaction, product category, business or consumer, new or used — has access to the Terrace Finance network of 50+ financial institutions. Merchants can relax while the user-friendly process, self-served by the customer, works to match the customer with a program that meets their needs.

  • State-of-the-art automated consumer application can be completed on mobile
  • One application link for consumer commercial, and municipal customers of any profile
  • Free set-up help and training
  • Merchant portal for tracking customer applications
  • We line up the lender, you just provide the invoice for the sale
  • Fast funding to you from the lenders

Best-in-class customer service

When you or your customers need help we answer the phone within 10 seconds. Here is why the Terrace Finance platform has earned a 4.4 star rating on Google and an A+/5-star rating on BBB:

  • Live customer service based in US
  • Open for extended hours, 7 days a week, to cover all US time zones
  • Dedicated account managers assigned to you
  • 1:1 consultative attention available for you and your customers

Many Eligible Products

Terrace Finance serves you with lenders curated to accommodate your unique product mix.
Don’t see the product you sell? We may still finance it. Just ask!

Join over 350o merchants
in our network

Terrace Finance 360 logo

360° Solution for Merchants

We bring financing full circle to cover the financing needs of your own business. Our commercial team will work with you 1:1 to customize a solution to meet your business goals. With 50+ lenders, we can offer merchant-specific solutions for:

  • Inventory
  • Buying in bulk
  • Equipment finance
  • Real estate acquisition
  • Working capital for build-outs and general purpose