How to Offer Finance for Premium Pet Furniture

Why Offer Finance for Premium Pet Furniture?

Luxury pet furniture—think designer dog sofas, cat trees, and bespoke aquariums—commands a higher price tag than standard products. For many customers, the upfront investment can be challenging. Offering flexible finance solutions addresses this barrier, opening doors for wider audiences and boosting business.

Key Benefits

• Increases Average Order Value: Customers are more likely to opt for premium models when financed.
• Expands Customer Base: Attracts shoppers who might hesitate at large one-off payments.
• Enhances Customer Loyalty: Providing flexibility makes you a preferred retailer.
• Competitive Edge: Stand out in a crowded market.

"When we added pay-monthly options, our sales of luxury pet beds doubled within three months." — Sarah L., pet furniture retailer

How Does Retail Finance Work?

Retail finance, sometimes called point-of-sale (POS) finance, lets your customers pay for purchases over time while you still get paid upfront. You partner with a finance provider (like Kandoo), who handles credit checks and payments.

Typical Process

1. Shopper selects premium pet furniture.
2. At checkout, they choose 'pay monthly' or finance option.
3. The customer applies through your provider’s secure portal.
4. Finance provider runs checks and approves or declines.
5. Transaction completes; you receive the full amount (minus broker fees).
6. Customer pays over agreed instalments.

What Do You Need as a Retailer?

Eligibility Criteria

• UK business registration
• Ongoing or established trading (often 12+ months)
• Minimum sales volume requirements
• Financial stability

Setup Requirements

• E-commerce platform or in-store POS system (integration varies)
• Staff training on finance options
• Marketing materials highlighting finance availability

Typical Documentation Requested

Choosing the Right Finance Provider

Not all finance providers are alike—prioritise those experienced with high-value, lifestyle purchases and who offer:

• Competitive commission rates
• Seamless integration with your sales channels
• Range of finance terms (from 0% interest to long-term credit)
• Reliable support for both you and your customers

"A trustworthy finance partner can make the onboarding smooth and free of hassle for both staff and clients."

Best Practices for Success

Highlight Finance Options: Promote the availability of finance in your store and online—use banners, product pages, staff scripts, and social media.

Train Your Team: Ensure everyone understands eligibility, process, and how to answer basic finance questions to empower confident customer conversations.

Stay FCA Compliant: Retailers discussing finance must follow rules set by the Financial Conduct Authority, including honest advertising and clear terms.

Callout: Kandoo partners are supported throughout their FCA application and compliance journey.

Addressing Customer Concerns

Be ready to answer these FAQs:

• Is a credit check required?
• What are the interest rates?
• Can I pay off early?
• What happens if I miss a payment?

Clarity builds trust and increases conversion!

Next Steps: Getting Started

1. Assess Demand: Survey customers or trial with select products.
2. Research Providers: Compare POS finance brokers (like Kandoo) on fees, support, and suitability.
3. Apply & Integrate: Submit required documents and set up with your finance partner.
4. Market the Offer: Announce across all platforms and train the team.

Key Takeaways

• Finance for premium pet furniture makes luxury accessible to more pet lovers.
• Prepare your business by partnering with a reputable provider, integrating finance at checkout, and educating staff.
• Transparent, compliant offers encourage customer confidence.

Ready to Boost Sales with Finance?
Contact Kandoo today to explore flexible, FCA-compliant finance solutions for your premium pet furniture business.