Give customers the choice of Avvance

With flexible financing from $300 to $25,000, hand your customers more purchasing power while you reach your business goals.

 

 

 

"Business owners need to investigate whether this product has value to their business.

Would your customers buy more and spend more if you offer point-of-sale lending options?

We know the answer empirically is yes."

 

Rob Seidman, Head of Product BNPL/POS Lending, U.S. Bank

 

 

Avvance makes "yes" possible - for you and your customers

You work hard to attract and serve your customers. When customers walk away from a purchase, it impacts your business. 

  • Offering financing solutions can turn those sales opportunities into sales wins today. 
  • Give your customers the power to quickly apply for and accept financing options in real time.

Avvance is a point of sale lending solution that helps consumers finance purchases quickly and easily, all embedded in a seamless payment process.

 

Avvance turns "Maybe someday" into "Yes, today!"

Make flexible financing the next step in your business plans, so you and your customers can start saying “yes” to more.

 

GET STARTED

How Avvance fits with your business

 

Get paid in full, upfront

Receive your funds in full, within 48 hours, on every transaction.

 

Win more sales, more often

Give your customers the confidence to buy now.

 

Increase transaction sizes

Financing makes important purchases affordable.

 

 

 

Stand apart from the competition

You choose which financing options you want to offer.  

Attract more customers with 0% financing for shorter periods or help customers spread payments over a longer term with a competitive rate. You decide.

 

Customers expect Buy Now, Pay Later for big purchases

62%

of consumers favor fixed monthly payment plans1

1 in 5

consider BNPL financing for purchases $1,000 and higher2

76%

expect a seamless point-of-sale experience1

 

Add Avvance today

In just a few clicks, include Avvance as a payment option on your account.

 

CONTACT SALES ADD VIA CONVERGE

 

Experience Avvance

Avvance is a first-of-its-kind integrated financing solution backed by U.S. Bank, with the service and security you expect from a financial solution provider.

  • 24/7 support for you and your customers
  • Extensive resources for your team
  • Industry insights from a trusted provider

With consumer lending offered by U.S. Bank, you can trust that your customers are in good hands.

RESOURCES

Finance is always evolving

Whether you’re curious about point of sale lending or want to see our products in action, we have resources to keep you in the know. Download our whitepaper below to learn how point of sale is evolving, or watch our how-to video to see just how easy our application process is. 

How To: Customer paying with Avvance

 

 

U.S. Bank announces consumer installment loan offering

View Press Release

The Business of Buy Now, Pay Later and Point-of-Sale Lending

Get Access

 

 

Turn "Maybe someday" into "Yes, today!" 

Make flexible financing the next step in your business plans, so you and your customers can start saying “yes” to more.

 

Fill out the form today, and our team will contact you to get started with Avvance.

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Thanks for your interest in Avvance. We'll be in touch soon.

VIEW WHITEPAPER

FREQUENTLY ASKED QUESTIONS

Answers to your hard-hitting business questions

The benefits of businesses using Avvance is that they get paid in full, upfront. We pay businesses the full transaction amount within 48 hours and collect monthly payments directly from customers. We give customers buying power to make more purchases for new and repeat business. The business pays a fee for each customer loan.  There are no subscription fees. We don't charge monthly fees and enrolling is free.

Over time, Avvance will be available to customers through a variety of invoicing and point of sale platforms. Today, Avvance is offered to customers through Converge. Soon, it will be available through other payment platforms, as well as via custom e-commerce integrations.

There are no reoccurring fees and no cost to enroll. A small fee (referred to as the Merchant Discount Rate (MDR)) is applied to each Avvance loan that is processed and will be displayed on your regular monthly statement.
 
More detailed pricing available for review in our enrollment page. You can review pricing prior to signing up.

After completing the short online enrollment form, you will have access to the Avvance Merchant Portal, and will be able to initiate an Avvance transaction through Converge Invoicing and Converge Virtual Terminal. 

SEE ALL FAQs

1 https://investor.citizensbank.com/about-us/newsroom/latest-news/2018/2018-11-08-123003472
2 https://couponfollow.com/research/buy-now-pay-later-report