Consumer Finance

What Consumer Finance does

Consumer Finance Corp (doing business as CFC, legally CFCUS LLC) is a US-based private limited liability company that provides merchant services, customer financing, and small-business setup tooling to early-stage and underserved small business owners. The company sells an integrated platform comprising three product lines: the BizBox business-in-a-box system, which guides merchants through LLC formation, bank account setup, website creation, digital business cards, and merchant account approval; the CFC Financial/Gateway payment-processing platform, which supports more than 40 payment methods including credit and debit cards, ACH, digital wallets (Apple Pay, Google Pay, Venmo, Cash App Pay, Microsoft Pay), buy-now-pay-later services (Affirm, Afterpay/Clearpay, Klarna, PayPal Pay Later), and cryptocurrency (Bitcoin); and a proprietary No Credit Check Financing program, covered by a US patent, that underwrites consumer loans of up to $3,500 using bank-account and income activity rather than SSN or bureau data, with a 90-day same-as-cash option and fixed interest rates of 9%, 12%, or 15% across 6-, 9-, and 12-month tenors. A Product Leasing module for tickets up to $10,000 is listed as forthcoming.

The company monetizes through a mix of transaction and recurring fees. Each financed sale generates a one-time $35 fee plus interest income on loans that extend past the 90-day same-as-cash window; merchant services are largely zero-monthly-fee with free card-reader equipment, supplemented by $10–$24/month software fees on higher-end Pax terminals and $30/month website/hosting subscriptions; one-time BizBox setup packages range from $300 (Website Only) to $450 (Website & LLC Formation). The company employs 11–50 people and claims 24+ years of operating history. Its principal entity is CFCUS LLC, registered in Wyoming, with operational indications pointing to Buffalo, NY and contact numbers using Wyoming's 307 area code; operating geographies are stated as USA only. Distribution is direct-to-consumer via the company's website and SEO, with no disclosed enterprise sales motion, channel partner program beyond the in-product referral scheme, institutional investors, or parent-company affiliation.

No headcount growth, capital raises, M&A, or leadership-change signals are present in the available data. The company does not disclose revenue, GMV, or loan-book size, and no AI/ML capabilities, senior data hires, or third-party benchmarks are referenced.

Name

Consumer Finance

Legal name

CFCUS LLC

Website

https://cfcus.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Consumer Finance Corp (CFCUS LLC) is a US private company that provides small business owners with merchant credit card processing, a patented no-credit-check consumer financing product (up to $3,500), and a BizBox 'business-in-a-box' setup workflow spanning LLC formation, website, and digital business card tools.

Ownership category

akta.pro rank

Product category

Merchant Services & Small Business Lending

NAICS

Sales Financing (522220), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

BNPL Card / Virtual Card Programs (FSAKACAC)

akta.pro secondary industries

Business / Corporate Credit Cards (FSAKABAF), Outsourced Finance & CFO Services (BPAHABAE)

Keywords

• Merchant services
• Credit card processing
• Small business lending
• Payment processing
• No credit check financing

Headquarters

HQ city

Buffalo

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Financing Transaction Fees: One-time fee of $35 per financed sale. Merchant pays a discount rate to guarantee payments, usually added to the sale amount. Interest rates based on loan duration: 6 months at 9%, 9 months at 12%, 12 months at 15%.
2. Plan Interest Fees: Interest fees charged to customers who do not pay off financing within 90 days. Rates are fixed based on loan duration and are charged to the merchant who can choose to absorb or pass on to customer.
3. Monthly Subscription - Website & Hosting: $30 monthly fee for website maintenance, mailserver, and hosting. Includes payment subsidies where the company pays $1 per BizBox subscriber brought in under referral up to 5 levels deep.
4. Credit Card Processing - Software Fees: Free card reader equipment included. Pax A920 terminal has $10 monthly software fee; Pax E600 Mini POS has $24 monthly software fee. No monthly fees for basic processing.
5. BizBox Package Sales: Website Only package at $300; Website & LLC Formation package at $450. One-time purchase for business setup tools.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

CFC operates a small business financial services platform combining merchant services with a customer financing program. The BizBox system provides step-by-step guidance for small business owners to set up LLCs, websites, digital business cards, and merchant accounts. The CFC Financial/Gateway offers credit card processing with 40+ integrated payment methods, and a U.S.-patented No Credit Check Financing program provides consumer loans up to $3,500 using alternative bank-account activity data instead of traditional credit checks.

Product overview

Consumer Finance Corp (CFC) operates as a unified platform combining merchant services and customer financing solutions. The core offering consists of two integrated product lines: (1) CFC Financial/Gateway — a comprehensive payment processing and customer financing platform supporting 40+ payment methods including credit cards, digital wallets, buy-now-pay-later services, and cryptocurrency; and (2) CFC BizBox — a modular 'business in a box' system that guides small business owners through LLC formation, website creation, digital business card setup, and merchant account approval. Key add-on modules include the proprietary No Credit Check Financing program (patented, up to $3,500, no SSN required), Product Leasing (up to $10,000, upcoming), and Credit Card Processing (no monthly fees, free equipment). The platform is designed for merchants seeking an all-in-one solution to accept payments and offer financing to their customers.

Differentiator

Problem solved

Functional benefit

Products and services

• CFC BizBox A step-by-step 'business in a box' system for small business owners that guides them through six steps: LLC and EIN formation, bank account setup, website and email creation, digital business card creation, credit card processing account setup, and customer financing account approval.
• CFC Financial Gateway A payment processing gateway supporting 40+ payment methods worldwide including credit cards, debit cards, ACH transfers, digital wallets (Apple Pay, Google Pay, PayPal, Venmo, Cash App Pay), buy-now-pay-later services (Affirm, Afterpay, Klarna), and cryptocurrency (Bitcoin), plus check-based and regional methods (Alipay, WeChat Pay, SEPA, iDEAL, etc.).
• No Credit Check Financing A U.S.-patented short-term consumer lending program offering financing up to $3,500 with terms of 6, 9, or 12 months. Uses alternative bank-account activity and income assessment across 30+ parameters instead of traditional credit bureau checks, requires no social security number, and offers a 90-day same-as-cash option.
• Credit Card Processing Merchant credit card processing service accepting Visa, Mastercard, American Express, Discover and other card types. Includes free equipment (Pax A920 and Pax E600 Mini POS), no monthly fees for basic processing, 24/7 USA support, next-day money deposits, and website integration.
• BizBox Website Creation Custom website and email address creation service with professional templates, videos, contact forms, and payment gateway integration. Available as Website Only ($300) or Website & LLC Formation ($450), with a $30 monthly maintenance, mailserver, and hosting fee.
• Digital Business Card A digital business card platform integrated with the BizBox system featuring built-in CRM, click-to-call and click-to-text functionality, brochure and video links, and tax advantage tracking for business expenses.

Quantifiable outcome

• Interest rates 9-15% are significantly lower than credit card rates for approved customers

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration27 records

Feature2 records

Partnerships

One partnership is on record.

• Santander Consumer FinancecoreStrategic or Co-development Partner · 1 January 2024Santander has announced plans to merge Consumer Finance into its Digital Consumer Bank division alongside Openbank, targeting to capture more than 8 million new customers globally by 2028 through an AI-heavy operating model.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Affirm: Public BNPL leader offering short-term installment financing at the point of sale with fixed rates and no late fees. Directly comparable to CFC's no-credit-check installment program, though at materially higher ticket sizes ($200-$20,000+) and with credit underwriting rather than alternative-data.
• Klarna: Global BNPL provider offering Pay-in-4 and longer-term installment financing at merchant checkout. Comparable to CFC's consumer financing product with similar 6-12 month structures, though Klarna has a much broader merchant base and larger ticket sizes.
• Heartland Payment Systems: SMB-focused payment processor (Global Payments subsidiary) offering integrated POS, payroll, and lending solutions. Directly comparable to CFC's SMB merchant processing + financing positioning.
• North (formerly North American Bancard): SMB payment processor offering processing equipment, POS, and merchant capital advances. Comparable to CFC's payment processing + SMB funding approach, especially in serving high-risk and underserved merchants.
• Afterpay: BNPL provider (owned by Block/Square) offering short-term interest-free installment loans. Comparable to CFC's 90-day same-as-cash structure for consumer purchases, though Afterpay focuses on Pay-in-4 rather than extended installment terms.
• Toast: POS + payment + lending platform purpose-built for restaurants. Closely comparable to CFC's POS + processing + financing stack, though vertically specialized and at significantly larger scale.
• Sezzle: BNPL fintech offering interest-free and interest-bearing installment plans via Pay-in-4 and longer tenors. Directly comparable to CFC's installment financing model with similar merchant-facing value proposition and consumer-friendly pricing.

Broad incumbents

• Stripe: Global payment processor with Stripe Capital offering SMB lending. Comparable to CFC's payment processing + merchant financing bundle, though Stripe focuses on online-first merchants and higher-volume SMBs.
• PayPal: Digital payments giant offering PayPal Credit, Pay Later, and merchant processing. Comparable to CFC's payment + consumer financing stack through its branded credit products and merchant services.
• Block (Square): Payment processor and SMB software provider (Square) that also operates Cash App and owns Afterpay. Comparable to CFC as a full-stack SMB payment + financing platform, though at vastly greater scale and breadth.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Consumer Finance