Point of Sale (POS) Lending as a Service by thirdstream helps financial institutions and their commercial clients focus on consumers seeking financing at the moment of sale both online and in-person.
Our POS lending as a service solution meets the expectations of growing numbers of consumers seeking financing that avoids credit card debt. Consumers can apply from their own device in person or from an online vendor’s site.
Applicant approval and account funding happens in real-time. This 100% secure and frictionless user experience seamlessly integrates with merchants’ existing POS systems.
what we do
POS loans are a growing source of financial institution revenue. Not only does it deepen relationships with commercial clients, it also boosts market outreach and significantly increases opportunities for cross-selling to account holders.
Our solution is white-labeled to support any financial institution's brand, with
Pre-Authorized Payment banking details collected during the application workflow.
Grow your lending book of business
Attract business account holders
Manage loan risk tolerance
Designed to scale
what people say about us
“... We launched XpressPay to meet a growing demand for targeted borrowing, and to provide our merchant account holders with new tools and expanded credit offerings helping them attract consumers. Since launching with thirdstream, Windsor Family CU has seen a steady increase in adoption …”
Windsor Family Credit Union
Building the digital consumer acquisition experience for credit unions, banks and trusts
This white paper outlines specific challenges financial institutions face when launching digital consumer acquisition solutions. We provide an overview of our solutions, answering key questions about the steps required to successfully automate processes, highlighting compliance management, and delivering a rules-driven identity verification platform.