Point-of-sale finance for ambitious retailers

The finance solution that allows you to serve the underserved, convert the uncertain and retain the drifters.

Are high decline rates losing you potential sales and loyal customers?

We appreciate that customer acceptance rates are crucial to the success of an in-store or online finance product. That’s why we’ve developed a product that enables retailers to offer finance to customers that fall outside the ‘prime’ credit profile. In a nutshell, we make it easy for your customers to buy your product or service.

Fintech without compromise

At South Sphere Capital, we offer all-inclusive, practical finance solutions that add real value to your business. While a new sofa or a new hi-tech gadget will always be attractive, the ability to offer immediate finance to your customers will ensure you make those all important sales.

Drive more traffic

Our omnichannel solution and marketing accelerator means you'll have more traffic than you're used to, and all the tools to convert browsers into buyers.

Convert more customers

Our seamless solution allows you to convert more customers, increase average order values and enhance customer satisfaction.

Retain the drifters

Keep hold of customers by being able to compete with the finance options offered by the online giants.

"South Sphere Capital’s solution has transformed the way we do business. We’re now able to offer efficient in-store finance confidently, and it’s proved massively popular with our customers."

Why retailers choose us

Offering a competitive alternative finance option to your customers can be the difference between making a sale and losing one. At South Sphere Capital we understand that every business is different, which is why our system is fully customisable to suit your needs.

High approval rates

High approval rates

Our underwriting policy consists of more than just a credit score which leads to higher approval rates and happier customers.

Sales acceleration

Exclusive marketing campaigns

We provide our retailers with co-operational marketing campaigns to boost traffic to your business upon launching with SSC.

Additional revenue

New revenue stream

Our retailers benefit from upfront, accelerator and ongoing revenue payments on all sales financed with us.

Fuss-free set up

Fuss-free set up

Our omnichannel solution makes system set-up and integration quick and easy, meaning you could be ready to go in less than two weeks.

Ready to find out more?

Get in touch to learn how we can supercharge your business.

    Sell more, of anything

    Our mission is to help independent retailers compete with the online giants of this world. We work with retailers in most sectors, online and in physical stores, but our solutions work distinctly well across a few key areas:


    Indoor Living

    Outdoor living

    Baby and nursery

    White goods