Stop losing jobs over price.
*Example plans for illustration. Actual terms vary. See terms and disclosures.
No MPA fee
Most financing programs charge the business a merchant fee, called an MPA fee, on every financed sale. With ClientLoop + Flex Pay, there isn’t one.
Typical MPA fee on a $10,000 job
Taken from your sale as a merchant fee.
ClientLoop + Flex Pay
No MPA fee. You pay only our standard transaction fee, like any card payment.
What other financing costs you
Finance $50,000 a month and in a year other providers take $39,000 to $45,000 in fees. With ClientLoop + Flex Pay it’s $19,500, so you keep $19,500 to $25,500 more.
Provider
Total fees
You keep
PayPal
$39,000
$561,000
Klarna
$42,000
$558,000
Affirm
$45,000
$555,000
ClientLoop + Flex Pay
$19,500
$580,500
Sources: PayPal, Klarna and Affirm pricing from paypal.com, affirm.com, stripe.com and woocommerce.com. Updated October 2026.
Default risk isn’t yours
Flex Pay handles the application, the decision and the monthly payments. Default and chargeback risk is covered, so a missed payment doesn’t come back to you.
Default and chargeback risk covered
No late fees charged to your customer
No prepayment penalties
Paid within 48 hours
How it works
From the quote to getting paid, in four steps.
01
Quote
Send the quote with a monthly option built in.
02
Apply
Your customer applies with a soft credit check.
04
Get paid
You’re paid within 48 hours.
FOR YOUR CUSTOMER
A soft credit check, an 85% approval rate* and no late fees make the monthly option an easy yes.
Built for big-ticket work
Home and field services
Roofs, HVAC systems and remodels, paid monthly.
Custom auto and builds
Finance the whole build, not just the parts.
Health and wellness
Packages and treatments over time.
Retail and online
Pay over time at checkout, in store or online.
Offer financing up to $25,000* with no MPA fee to you.
Questions
How much can my customers finance?
What does it cost my business?
What if a customer stops paying?
When do I get paid?
Flex Pay financing terms and disclosures
*Based on a purchase price of $10,000 you could pay just $0 today, followed by 36 monthly payments of $346.65 at 15% APR. Minimum $100 purchase required. Actual terms are based on your credit score and other factors, and may vary. APRs range from 0% to 36%. Not everyone is eligible. Loans made through Flex Pay by Upgrade are offered by these lending partners: upgrade.com/flex-pay/lenders. upgrade.com/flex-pay/privacy. upgrade.com/flex-pay/terms. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs.
Customer financing is powered by Flex Pay by Upgrade and is subject to credit approval. ClientLoop is not the lender. Full Flex Pay disclosures: upgrade.com/flex-pay.
