ChargeAfter provides embedded financing and consumer finance solutions through a multi-lender platform for merchants and financial institutions. Its technology connects businesses with an independent network of lenders, helping customers access personalized financing at the point of sale—in stores, homes, online, through telesales, and across other sales channels.

The platform brings multiple lenders and financial products into a unified experience. A real-time matching engine directs applications to suitable lenders and supports waterfall lending to help increase approval opportunities. Merchants can manage lender integrations, applications, compliance requirements, and underwriting workflows through one system, while customers benefit from a streamlined application and approval journey.

ChargeAfter serves businesses across industries including automotive aftermarket, appliances, consumer electronics, furniture, home improvement, jewelry and luxury goods, mattresses, and sports and fitness. Its platform also supports financial institutions with white-label tools to create, manage, and distribute consumer financing products. Back-office features help businesses handle disputes, completion payments, chargebacks, and refunds, while reporting and analytics provide insights to optimize financing programs.