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ChargeAfter
A leading embedded lending network that connects merchants with a global network of lenders at the point of sale.
What it does
Embeds a network of 40+ lenders directly into the merchant's point of sale (POS). Uses 'Waterfall' technology to process applications through multiple lenders until an approval is found. Provides a unified dashboard for merchants to manage all financing transactions and reporting. Supports omnichannel customer journeys across web, in-store, and mobile. Offers white-label options to maintain the merchant's brand identity during financing.
Why it works
Approval Rates: By using a multi-lender network, it secures financing for up to 85% of applicants, far higher than single-lender tools. Conversion: Frictionless lending at the point of sale is proven to reduce cart abandonment. Choice: Gives consumers transparent options across the entire credit spectrum. Scale: Built to handle enterprise-level volume for global retailers.
Category: Marketing & Growth
Team Size: 51-200
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As of 2026
Marketing & Growth
Revenue: $10M-$50M ARR
A leading embedded lending network that connects merchants with a global network of lenders at the point of sale.
Overview
ChargeAfter is a fintech platform that enables retailers to offer their customers personalized financing options from a diverse network of lenders. By integrating into a merchant's checkout process, it uses a 'waterfall' financing model to instantly match shoppers with the best-fit credit options, including Buy Now Pay Later (BNPL), 0% interest, and lease-to-own. It helps businesses increase approval rates, average order value, and customer loyalty.
Funding status: Funded
Revenue source: Subscriptions & Transaction Fees
Customer type: B2B
Pricing: Usage-based
Tech stack: React, Node.js, AWS, Python
Platform: Web • API • Mobile
Integrations: Shopify, Magento, Salesforce Commerce Cloud, WooCommerce, BigCommerce
Founder story
Founded in 2017 by Meidad Sharon in New York. Meidad, a veteran in the payments and lending industry, saw that the traditional single-lender model was failing both merchants and consumers. He built ChargeAfter to create the first truly global lending network, democratizing access to credit at every point of sale.
What it does
- Embeds a network of 40+ lenders directly into the merchant's point of sale (POS)
- Uses 'Waterfall' technology to process applications through multiple lenders until an approval is found
- Provides a unified dashboard for merchants to manage all financing transactions and reporting
- Supports omnichannel customer journeys across web, in-store, and mobile
- Offers white-label options to maintain the merchant's brand identity during financing.
Who it's for
- E-commerce Retailers
- Brick-and-Mortar Store Owners
- Home Service Providers
- Financial Institutions
Why it works
- Approval Rates: By using a multi-lender network, it secures financing for up to 85% of applicants, far higher than single-lender tools
- Conversion: Frictionless lending at the point of sale is proven to reduce cart abandonment
- Choice: Gives consumers transparent options across the entire credit spectrum
- Scale: Built to handle enterprise-level volume for global retailers.
Growth strategies
- Targeted high- ticket industries like Furniture, Home Improvement, and Electronics where financing is critical.
- Successfully utilized a Series B round to expand their network and reach decacorn- level status.
- Partnered with major payment processors and platforms like Foundation Finance and Authority Brands.
- Leveraged high- profile investors like Visa, Citi Ventures, and MUFG to establish global credibility.
Alternatives
Comparison overview
- Affirm/Klarna: They are single lenders; ChargeAfter is a network that connects you to dozens of lenders like them.
- Synchrony: A traditional bank; ChargeAfter is the modern tech layer that automates the multi-lender waterfall.
- ChargeAfter is the best choice for merchants who want to maximize their financing approval rates.