Empower customers by offering financing at the point of sale

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

 

 

Avvance makes "yes" possible

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.

"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

What Avvance can do for your business

/content/dam/wlhs/avvance/en-us/avvance-com/usbank/images/svg/avvance_icon_payment_gradient_rgb.svg

Get paid in full, upfront

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

/content/dam/wlhs/avvance/en-us/avvance-com/usbank/images/svg/avvance_icon_cart_gradient_rgb.svg

Win more sales, more often

Give your customers the confidence to buy now.

/content/dam/wlhs/avvance/en-us/avvance-com/usbank/images/svg/avvance_icon_calculator_gradient_rgb.svg

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.

 

See why consumers are choosing installment loans

/content/dam/wlhs/avvance/en-us/avvance-com/usbank/images/svg/avvance_icon_affordable_gradient_rgb.svg

62% of consumers favor fixed monthly plans

/content/dam/wlhs/avvance/en-us/avvance-com/usbank/images/svg/avvance_icon_affordable_gradient_rgb.svg

20% consider BNPL for purchases of $1,000 or higher

/content/dam/wlhs/avvance/en-us/avvance-com/usbank/images/svg/avvance_icon_affordable_gradient_rgb.svg

76% are more likely to make a purchases with a seamless point-of-sale experience

Payment insights you need, all in one place

 

The Avvance Merchant Portal has all the tools you need to start offering flexible financing options.

Enrolled businesses can log-in to see customized data insights, watch training videos, download marketing materials, and more.

 

 

Experience the U.S. Bank difference

Backed by the power of U.S. Bank and Elavon, a Top 10 global payments processor.

We offer you and your customers the service and security you deserve.

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

Interested in offering Avvance?

Share some info to receive exclusive details on Avvance. You’ll also unlock access to resources such as the 2023 U.S. Bank POS Lending whitepaper that discusses the various factors to consider when choosing a consumer financing solution.

Success
Successfully submitted

By providing us with an email address you are expressly consenting to receiving email communications -- including but not limited to Marketing/advertising, promotions, sales campaigns, and questioner/research surveys.

By providing us with telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications -- including but not limited to prerecorded or artificical voice message calls, text messages, and calls made by an automatic telephone dialing system -- from us and our affliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.

Your privacy is important to us. By clicking "SUBMIT" you agree to our terms and conditions.

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