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Scale your business with U.S. Bank Avvance®

Provide a seamless payments experience for your users with our point-of-sale lending solution.

Avvance transaction approval

With U.S. Bank Avvance®, you can provide your customers with financial flexibility by offering installment loans at checkout – quickly and seamlessly. Our easy-to-use APIs and developer tools integrate with hundreds of payment solutions, and our self-test platform accelerates your integration process. Designed for fintechs, lending platforms, and enterprise solutions, Avvance enables you to deliver a fully customized consumer lending experience — while U.S. Bank manages the underlying capital, underwriting, and provides guidance for a compliant experience.

Embedded lending as a growth strategy

Avvance empowers your customers to make large purchases when needed while better managing their finances.
An integrated option at the time of checkout makes for a better and simple payment experience for your customers, supporting larger purchases and repeat business.
We provide transparent pricing – you pay a fee for each loan and enrollment is free. We pay the loan amount upfront within 48 hours of the transaction.

Give consumers another way to pay

Flexible integration options that serve every industry and help you manage complex payment environments – from health and wellness to vet services.
Whether it's in store, online or mobile, code to any payment environment with our omni-commerce capabilities.
A dedicated Solution Engineer guides you through your integration journey.

Avvance Flex - A fully headless API solution that provide maximize flexibility to customize user experience.
Access a comprehensive suite of RESTful APIs that cover all aspects of the point-of-sale (POS) lending lifecycle.
Leverage clear and concise API documentation, comprehensive developer resources, and a dedicated sandbox environment.

Frequently asked questions:

How does your embedded financing solution work?

Our Avvance Flex API seamlessly embeds into your software solution. Once integrated, merchants’ customers can quickly apply for a loan through a link within your invoice, website, or other communications. With Avvance, your business can offer financing from $300 to $25,000 with terms spanning from 3 to 60 months.