For higher-value items, customers increasingly expect options to spread the cost, making consumer finance an essential tool for improving conversion rates and increasing average transaction values.
Through Bira, members can access trusted consumer finance providers offering a range of flexible finance products, preferential terms, and a straightforward approval and onboardingn process, supported by experienced retail finance specialists.
All providers available through Bira meet regulatory requirements and are suitable for independent retail businesses.
Why consumer finance makes sense for independent retailers
- Increase sales and average transaction values, include add-ons and build packages
- Convert more customers by offering an alternative to paying in full upfront
- Get paid in full, while your customer pays monthly over time
- Compete more effectively with national chains and online-only retailers
- Enhance the in-store and online experience with clear, transparent finance options
Find the right provider
Bira members can benefit from our two consumer finance partners, each offering unique features meaning you can select a solution that best suits your business. Bira members receive preferential terms, pricing and onboarding with both providers. Talk to one of the Bira team should you require any guidance.
Full details of each provider, including eligibility criteria and setup can be found below.
PayItMonthly
Ideal for low transacting or new businesses looking to grow, excellent approval ratings, exceptional support, preferential rates, 0% finance options only.
Novuna
Access to a top tier lender, full suite of finance options available, reduced onboarding criteria, preferential rates, outstanding training included.
