Payment plans that pay you.
Flight schools, contractors, trade programs — anywhere the ticket is large and the financing options aren't. Ladderpay makes you the lender, without making you build a lending operation.
The interest is your revenue
Every plan you offer earns yield that used to go to a bank, a card network, or a BNPL provider. A flight school running 50 plans a year adds six figures of income without adding a single student.
Win the sales that walk
Big-ticket buyers stall when the only path is a maxed credit card. A monthly number they can say yes to converts stalled quotes into signed contracts — and supports bigger tickets.
You set the terms
Tenor, rate, down payment — your call. Ladderpay recommends terms matched to each customer's risk profile, so you approve confidently with one click instead of guessing.
Zero lending ops
Soft-pull credit checks, creditworthiness scoring, compliant plan documents, autocollection, and remittance to your account. No collections calls. No paperwork. No new hires.
Keep the relationship
No third-party brand between you and your customer. The plan carries your name, the customer deals with you, and the repayment relationship deepens loyalty instead of outsourcing it.
Live in weeks, not quarters
No lending license required, no capital markets desk, no compliance buildout. If you can send a quote, you can offer a plan.
See what you'd earn.
Standard amortization. Ladderpay recommends the rate and term for each customer — these sliders show the economics at your chosen defaults.
Big purchases. No good financing options. Until now.
Fund the license, keep the yield
Private pilot to commercial, $15k–$85k programs. Students who can't front the full cost stop training — or never start.
Close the bid, finance the build
Kitchens, additions, roofs — $20k–$150k projects where the alternative is a maxed card or a lost job.
If they need it, plan it
Trade schools, medical and dental, equipment sales — anywhere the price is large and the funding options aren't.
Stop sending your margin to a bank.
Offer payment plans on your terms in weeks, not quarters. Ladderpay handles the credit, the compliance, and the collections. You handle the growth.
Book a demo