ChargeAfter, the embedded lending platform for point-of-sale financing, has announced that equipment financing specialist BYLD Finance has selected its technology to drive its expansion into consumer point-of-sale lending. Through the partnership, BYLD will equip specialty equipment retailers with a fully branded consumer financing offering aimed at increasing approval rates and boosting sales.

The move reflects a broader trend in which commercial and specialty finance providers are extending their reach into consumer lending channels, responding to growing shopper demand for flexible payment options at checkout — particularly on high-ticket purchases where outright payment can be a barrier to conversion.

By integrating ChargeAfter's technology, BYLD is moving beyond its traditional commercial lending roots. Specialty retailers selling high-value equipment — including sewing, embroidery, and screen-printing machinery and accessories — can now offer consumer financing seamlessly at e-commerce checkout, with in-store channels scheduled to launch soon. Stitch It International, a premier sewing and embroidery equipment retailer, is the first vendor to deploy the new solution.

Using a single application, shoppers across the credit spectrum are instantly matched with personalized financing options, powered by a scalable multi-lender waterfall system designed to maximize merchant approval rates. The waterfall approach — routing each application across a network of lenders — is engineered to approve more consumers than any single lender could serve alone, a meaningful advantage in niche retail categories where customer credit profiles vary widely. Retailers also gain access to post-sale management tools, advanced analytics, and seamless lender connectivity to support operational scaling.

"Expanding into consumer financing is a major strategic milestone for BYLD, and we needed a technology partner that could scale with us," said Travis McMinn, CEO of BYLD Finance. "ChargeAfter provides the frictionless consumer financing experience our vendors need to turn browsing hobbyists into buyers, expanding our reach into an entirely new demographic and helping us potentially serve thousands of equipment retailers and their end customers."

The partnership highlights ChargeAfter's capacity to equip specialized financing providers with the technology required for market expansion. For BYLD, the transition opens access to a consumer demographic that traditionally sits outside commercial lending, while for ChargeAfter it signals continued traction among non-traditional retail verticals looking to embed financing without building proprietary lending infrastructure.

"Financing providers are turning to ChargeAfter to unlock new market opportunities," said Meidad Sharon, CEO and Founder of ChargeAfter. "We are thrilled to power BYLD Finance's expansion into the consumer sector. Our platform gives them the technology, broad lender coverage, and operational flexibility required to expand their lending waterfall in future, help their merchant partners close more high-value sales, and successfully scale their consumer retail footprint."