Financing Options for Lower Credit Scores
For applicants who don't qualify for our standard financing partners, we offer alternative paths to get started.
Why is this different from standard financing?
Our standard financing partners (Eaze Main, Elective, etc.) offer 0-30% APR and we receive 80% of the program fee upfront. This allows us to deliver the full program at listed prices while we eat the financing fee.
For credit scores below 650, the available financing partner charges significantly higher fees — we receive only 38% of the financed amount. To make this work for both sides, the financed price is higher than the standard price.
Important — Read Before Proceeding
- The financing provider has a 100% financing fee due to the higher risk profile
- This means the financed price is double the Pay-in-Full price
- Your sales rep will help you explore all other options first before recommending this path
Pricing Comparison
| Program | Pay-in-Full Price | Financed Price | We Receive (38%) |
|---|---|---|---|
| Partner Incubator | $5,800 | $11,600 | $4,408 |
| Partner Accelerator | $9,800 | $19,600 | $7,448 |
| Partner VIP | $14,800 | $29,600 | $11,248 |
| Enterprise Partner | $24,800 | $47,000 | $17,860 |
💡 Recommended Path — Try These First
Your sales rep should walk you through these options in order before recommending the alternative financing above.
Pay in Full (PIF) or Split Pay
Best option. Full price, no financing fees. Split into 2-3 payments over 30-90 days. Credit card, debit, wire, or bank transfer.
Standard Financing (Ease Main, ShiFi, etc.)
Highest payout for us, competitive rates for you. 2-3 day processing. Requires 650+ credit score. Income verification may apply.
Alternative Financing (Ease Elite) — This Page
For credit scores 620-650. More aggressive lender. 100% financing fee applies (double the PIF price). Monthly payments will be based on the financed amount.
Bottom Line
We want to help you get started, regardless of your current financial situation. But we also need to be transparent about the costs involved when financing fees are high. Your sales rep will always try to find the best path for your specific situation.