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solutions that go
where you go

Designed to work anywhere, thirdstream’s point of sale lending solutions help financial institutions attract business account holders.

Smiling in a Food Truck

delivering solutions

seamless integration 

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.

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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.

core values


Grow your lending book of business 


Attract business account holders


Manage loan risk tolerance


Designed to scale

what people say about us


We’ve had a lot of stories to tell, from an expanding client base, to connecting with new partners, to bringing new solutions to market. 

“... 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 …” 

Eddie Francis


Windsor Family Credit Union

Windsor, Ontario

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.

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