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Financial services to
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Access to capital at the right time can be a game-changer. We’ve rolled out exciting new financial services offerings, such as merchant cash advances, supply chain financing, and our Ship Now, Pay Later program. Coming soon: Industrial Buy Now, Pay Later.

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Inxeption Capital

Inxeption Capital is the financial services arm of Inxeption. Our integrated platform gives us unique insights to our customers’ seasonal demand on cash flow and revenue patterns. We invest in our customers’ growth and success with these valuable services:

Merchant cash advance is valuable to customers who need short-term working capital to, for example, increase inventory levels to meet demand. It's not a loan—it’s an advance on future revenues you pay back on a schedule aligned with your revenue inflow. We make it easy to apply and turn around approval decisions rapidly.

Ship Now, Pay Later is Inxeption’s net payment terms offering to our logistics customers who want to reduce the amount of capital that is tied up in shipping-related expenses while waiting for buyer payments. They get our outstanding predictable rate pricing and can extend their payment terms for shipping to 15, 30, 60, or 90 days.

Supply chain finance is designed for Inxeption merchants who can get paid up front for large orders (>$250K) so they have working capital available. Many of our customers are dealing with global economic trade disruptions now requiring up-front payment on orders or transportation. We work with respected lenders and financial institutions who are leaders in this space.

Coming soon: Industrial Buy Now Pay Later
The difference between success and struggle in the world of B2B commerce is integrated financial services. Now Inxeption merchants can offer attractive payment terms to buyers of their high-value goods and services—right in the shopping cart.

Still not sure? Have questions?

Call 888.852.4783 to speak to one of our experts, or

Why use Inxeption’s integrated financial services?

Nobody understands doing business online like Inxeption. We put products and transactions at the center of our platform, which means the financial services we offer work seamlessly with your workflows as you sell online, ship, insure, advertise, and collect payments. Want to offer your customers flexible payment options? We make that happen instantly. Need short-term working capital? It’s a click away with Inxeption. We don’t just rely on credit ratings; we understand the cash flows of your business and we can make a funding decision fast and put the money in your account today. One platform, many powerful services. That’s Inxeption. That’s Doing Business Better.

CUSTOMER TESTIMONIAL

Atlanta Spa & Leisure

Inxeption is helping Atlanta Spa & Leisure grow their business with its merchant cash advance service.

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With people staying home more, we’re finding sales of our spa chemicals and accessories have actually increased dramatically. That’s created an opportunity to use the merchant cash advance from Inxeption Capital to double our usual order levels, carry more inventory, and avoid delays in serving our customers.

Adam Burke, President

Published Article

Customer Financing for B2B Business

Inxeption Editorial Team | 2021-04-08 | 2021-04-08

As a small business owner, you’re always looking to make your business better and retain customers. Offering customer financing at the point of purchase can help to accomplish this. In-cart financing options can boost sales, improve the size of orders, improve customer loyalty, and drive repeat business without impacting payment risk or working capital.

What is customer financing?

Customer financing is something to consider when you want to grow your business and accommodate customers who need more payment flexibility. It can help individuals or businesses with limited cash or credit cards to make purchases from you. Customer financing is designed to convert a browser into a buyer at the point of sale if they might not be able to purchase outright.

With customer financing, an individual or a business enrolls in a program where they can pay installments of the full payment over time. We’ll dive into the benefits of offering customer financing and some things you should consider.

Benefits of customer financing

With customer financing, your business can realize a whole host of benefits, including new customers and increased sales.

  1. Sell to people who might not be able to buy otherwise, broadening your potential customer pool. For example, businesses with little credit history who are just getting started will be able to buy the products they need with enough time to earn capital to pay it back.
  2. When you utilize a service or provider for customer financing, you are still paid upfront for the purchase. When you work with a platform with integrated financing or a third party financing provider, the provider guarantees every sale that is finances. Because they take care of the details, you don’t have to worry about not being paid back. Many software programs and point of sale providers/shopping carts have customer financing integrated.
  3. You can also earn interest, offer better prices, and increase customer satisfaction. Interest is a possibility if you bring the financing in-house and can decide your own interest rate, but by offering financing to customers you can display upfront prices that are lower and more attractive as a result.

Considerations of customer financing

By offering customer financing, you will likely face more accounts receivable. If you offer customer financing yourself, you will have to calculate the cost of the increased size of your accounts department to accommodate. This is why working with a provider that has integrated customer financing options is a good option.

How does customer financing work for small business?

There are numerous ways to make customer financing work for you as a small business. Here are some best practices:

  • Let your customers know about your financing option.
  • Advertise it in cart as well as elsewhere.
  • Use it as an upsell or tangential service offering for your existing customers who might benefit from it, especially B2B customers who make repeat or bulk purchases through global trade, trade finance and letters of credit who might benefit from it.

It’s important to advertise financing options that you offer, as they can turn potential buyers who are researching and weighing their options into customers, especially when it comes to bulk orders or trade transactions especially if this is the first time they have come across your business or purchased from you.

The Process:

  1. The customer applies for financing either within cart or through a different process with a financing platform. Depending on what financing provider or system you use, this process might look slightly different (especially for export financing with international buyers). Generally, your customer doesn’t apply for financing directly through you, but instead through a third party.
  2. The customer gets approved for financing. Your customer will know within a few minutes if they are approved or rejected for financing, so they can complete their purchase. Approval is determined by the bank or exporter bank who determines the credit or supply chain finance terms. From there, they extend a line of credit with payment options just like a rewards card or secured card. Customers also get offered promotional rates like 0% interest or other promotions your provider might offer.
  3. The customer pays for the order and receives the order while committing to make monthly payments.

Is customer financing right for my business?

Providing in-cart financing for your B2B buyers can allow you to stand out amongst your ecommerce competitors, and can allow your buyer to make quicker and easier purchases. It’s important to make sure you’re implementing something that your customers want, and that you can afford.

Here are some things to consider before implementing.

  • Costs: A financing company will typically charge merchants in one of a few ways. It might be free if the program uses or is integrated into your POS (point of sale) system or your ecommerce platform, but it also might charge business owners a percentage of each transaction that is financed (generally a very small percentage). This amount would be deducted from the purchase. Finally, some providers will charge a flat rate on a monthly basis (or different time interval based on the type of business) which covers an unlimited number of customer financing applications.
  • Customers: Do your customers and products qualify for or need financing? As a B2B business, it is likely that the volume and value of shipments would qualify for and buyers would appreciate the opportunity to finance. Customers need to have good credit scores with a history of paying back invoices and and no negative credit events.
  • Implementation: As a business, regardless of size, you want a solution that is easy to implement and maintain for your customers.

Inxeption customer financing

Inxeption will be offering in-cart financing for your B2B customers, directly in the Inxeption Cart. Inxeption is a secure and scalable platform that brings business the ease of consumer e-commerce. From one digital dashboard, drive sales, manage your supply chain, and realize cost savings.