checkout-financing
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ChargeAfter
ChargeAfter is a fintech company that runs an embedded lending platform and multi-lender network for point-of-sale financing. Through a single integration, merchants and banks can offer shoppers personalized Buy Now Pay Later and installment options across the full credit spectrum, using a real-time waterfall engine that routes declined applications to alternative lenders to lift approval rates. Founded in 2017 by Meidad Sharon and headquartered in New York with R&D in Tel Aviv, it serves enterprise merchants and tier-one banks including partnerships with Visa, Citi, Wells Fargo and Synchrony.
Kafene
Kafene is a New York-based fintech that gives retailers a point-of-sale lease-to-own option for shoppers who get turned away by traditional credit. Using a machine-learning model that weighs more than 20,000 data points, Kafene approves customers in seconds for purchases up to about $5,000 - furniture, appliances, electronics, tires - then lets them lease the item and either pay it off to own it or return it without penalty. It positions itself as a transparent, debt-free alternative to buy-now-pay-later for the roughly 100 million Americans with limited or no prime credit.