Skip to content

Retail + POS Lending

Say hello to real-time POS lending, and goodbye to abandoned carts.

Instant approvals

Get shoppers through checkout lines faster with automated credit decisions and personalized pricing.

Reduced risk

Easy data access and advanced machine learning capabilities let you better predict buyer risk.

Faster launches

Get new products to market faster. Use our no-code tools to build and launch on your timeline.

POS lending technology that powers retail financing.

As a point-of-sale lender, you know that two things matter: making the right decisions, and having the right tools to make them quickly. Whether you’re powering after-purchase payments, offering rent-to own-financing or providing retail financing for customers, buyers demand an extraordinary user experience — or they’ll walk away.

You need technology that supports one-click financing, and automation that powers approvals before a customer has time to walk away — and the data for retail credit risk management that also simplifies user experiences.


Simple POS products as easy as one, two, checkout.

From in-store financing options to online payment choices at checkout, the Provenir Cloud Suite lets you provide simple financing experiences that win new customers. Use advanced automation and predictive analytics to decision credit in real time.

Simplify applications

Want to make your application processes as simple as possible? Your answer is data. The Provenir Marketplace lets you integrate to new data sources in minutes. Explore alternative and traditional data options to improve decisioning accuracy.

  • CheckmarkConnect to both internal and external data sources
  • CheckmarkSelect data to support regional and global strategies
  • CheckmarkReduce consumer workload

React + adapt

Your risk technology should help you gain business agility. Provenir’s visual, no-code, drag-and-drop interface puts risk strategy innovation in your team’s hands. Gain the power to make rapid changes to risk models, decisioning processes and data integrations.

  • CheckmarkEliminate reliance on vendors (but we’re here if you need us)
  • CheckmarkMake changes on your timeline
  • CheckmarkQuickly respond to market changes

Predict risk

Eliminate recoding delays using Provenir’s model agnostic cloud suite. Upload predictive analytics models in R, SAS, Python, TensorFlow and more without recoding, easily testing and deploying using the visual user interface.

  • CheckmarkEnable modeling collaboration between teams
  • CheckmarkLaunch new models quickly
  • CheckmarkUse machine learning and AI capabilities

Instant decisioning

Convert buyers to borrowers with powerful automation workflows that turn data to decisions in under a second. Run applications through powerful predictive models, return personalized pricing options to customers and improve accuracy with machine learning capabilities.

  • CheckmarkCreate, test and deploy workflows in a visual environment
  • CheckmarkMake smarter risk decisions
  • CheckmarkOffer more competitive rates

Analyze performance

In a rapidly evolving market, you need to identify and quickly respond to new threats and opportunities. Our Insights Cloud lets you use the power of advanced data science capabilities to dive deeper into your data.

  • CheckmarkGet insights in real-time
  • CheckmarkTrack performance KPIs
  • CheckmarkTest predictions

Drive innovation

Take control of innovation with the no-code, visual interface that lets your teams collaborate, iterate and get changes to market faster. Leverage autoscaling and support for multiple product lines to grow and evolve your business on your terms.

  • CheckmarkLaunch new products in record time
  • CheckmarkPivot in response to changing markets
  • CheckmarkScale decisioning on demand

Our platform makes us unique. Our results make you stand out.

Klarna logo

“Provenir has delivered a solution that increases our agility and responsiveness to clients. The implementation of Provenir’s software will contribute towards Klarna’s global market goals.”

Brian Billingsley, CEO, North America, Klarna
GM logo

“We have deep insight into every application and contract as we can instantly get real-time information whenever we need it.”

Jeff Lively, VP of Dealer Services, GM Financial
Hitachi logo

“The flexibility of Provenir allows us to create our own risk decisioning workflows that can easily connect with any data source.”

Andy Dodd, Managing Director, Hitachi Capital
Bisnode logo

“Provenir plays a vital role in navigating this balance between compliance and speed, because it gives us the ability to orchestrate all of our scoring and compliance processes very quickly.”

Magnus Silfverberg, CEO, Bisnode
Telia logo

“Provenir empowers the Telia Finance team to create and change credit offerings independently, process customer applications in seconds, and easily integrate to multiple data sources for better quality decisioning.”

Fredrik Nilsson, Credit Manager, Telia

Companies like you choose Provenir

Our reach is global

Provenir operates around the world, providing you with the data, technology and support you need to power a global business. We’re your go-to partner, regardless of time zone.

Let’s build something together.