point-of-sale-financing
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The Credit Card Company Hiding in America’s Shopping Bags
Bread Financial sits behind the cards, rewards and payment plans of brands from Ulta to the NFL. Its quiet advantage is not a flashy app - it is the machinery that turns a checkout into a long-term financial relationship.
Jifiti Built the Lending Button You’re Not Supposed to Notice
The 2011 gift-card startup grew into the quiet machinery behind bank-branded loans at checkout. Its wager is that the next phase of embedded finance belongs to regulated lenders - and to software customers barely notice.
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.
Meidad Sharon
Meidad Sharon is the founder and CEO of ChargeAfter, a white-label embedded consumer financing platform that connects merchants to a network of lenders and routes each shopper to the best available offer in real time. He started the company in 2016 after six years running sales at SafeCharge (now Nuvei), where merchants kept asking him the same thing: help us finance our customers. ChargeAfter has raised roughly $62M and counts Citi Retail Services among its partners.
Coral
Coral is a New York-based climate fintech that lets HVAC and electrical contractors turn complex government and utility rebates into instant, upfront discounts at the point of sale. Its AI-powered platform verifies rebate eligibility on the spot, files the paperwork directly with programs, and advances the rebate funds - typically within one business day - so homeowners can knock thousands off a heat pump install at the kitchen table. Coral raised a $7.5M seed round in March 2026 and works with 100+ installers across the Northeast.
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.
PatientFi
PatientFi is a healthcare fintech that lets patients pay for elective medical treatments over time through simple monthly payment plans. Its point-of-sale platform partners with medical practices - across plastic surgery, dermatology, dentistry, ophthalmology, fertility and medical spas - to offer instant, soft-credit-check financing so patients can afford care without upfront strain, while practices grow revenue. Headquartered in Irvine, California, the company markets itself as 'The Friendly Way to Pay.'
Neal Desai
Neal Desai is the CEO and co-founder of Kafene, a New York fintech that lets people without prime credit lease-to-own furniture, appliances, electronics and tires at the point of sale. A molecular biology major from Princeton who spent more than a decade trading equity derivatives on Wall Street, he later became CFO of powersports lender Octane before spending six months methodically studying 45-plus specialty finance niches and choosing lease-to-own. Kafene approves applicants in seconds for an average of roughly $2,700, assigns up to ten risk grades, reports to all three credit bureaus, and has raised well over $100 million from investors including Third Prime, Valar Ventures and Global Founders Capital.
Cherry
Cherry is a San Francisco fintech that lets healthcare and wellness practices offer patients buy-now-pay-later financing at the point of care. Founded in 2019 by Felix Steinmeyer and Charles Mourani, the company underwrites loans up to $50,000 in under 60 seconds with a soft credit pull, pays providers upfront, and is used by more than 60,000 practices across dental, medical aesthetics, dermatology, optometry and veterinary care.