FAQ
Frequently Asked Questions
Frequently Asked Questions
Coach Financing Solutions is a multi-lender platform that allows coaches, consultants, course creators, masterminds, and training providers to offer flexible financing and payment options for high-ticket programs through one simple application. It bridges the gap between premium investment costs and client budgets by providing access to top-tier lender networks while ensuring businesses receive full upfront payouts.*
Coach Financing Solutions is built for businesses selling high-ticket educational, consulting, and transformation programs - including business coaches, life coaches, masterminds, retreats, online course creators, live events, and certification providers. It provides a seamless way to integrate payment flexibility into high-value professional services without turning your business into an in-house lender.
Yes. Coach Financing Solutions provides platform access to almost every coaching or consulting business, regardless of business age, annual revenue, physical location, or whether you operate from home. Additionally, we do not perform personal credit checks on the business owner to enroll your account.
Coach Financing Solutions can supplement or replace your existing options to capture lost sales. Today, traditional credit-based lenders turn down a significant percentage of applicants who would have qualified in the past. Our broad multi-lender network helps approve those turned-down leads. Additionally, many qualified prospects simply prefer to compartmentalize large purchases using third-party financing rather than depleting their personal cash reserves.
Offering financing helps coaches enroll more clients by eliminating price friction, reducing upfront sticker shock, and giving qualified prospects a manageable monthly payment path. Instead of losing sales when a prospect loves your program but hesitates at the total upfront investment, financing offers an immediate alternative to close the deal on the spot without changing your core sales process.
Merchants pay a funding fee of 3.9% (or up to 5% depending on the specific program tier) on financed transactions, which is deducted directly by participating lenders upon disbursement. The funding fee applies only when financing is successfully completed, rather than charging you for submitted applications. Subscription structures vary by plan.
Yes. Participating lenders in the Coach Financing Solutions network deliver 100% upfront payouts via ACH to your business typically within 1 to 3 business days post-approval (24 to 72 hours). This secures your full program fee before onboarding begins and eliminates the hassle of chasing monthly installments.
No. Loans originated through participating lenders on our core platform are 100% non-recourse merchant funding.* Participating lenders handle all loan servicing, billing, and default risk according to program guidelines—meaning your business carries zero financial liability if a client defaults after funding.
No. Approval, loan amounts, interest rates, and terms depend on applicant credit profiles, debt-to-income (DTI) ratios, income history, requested amounts, location, and individual lender risk criteria. However, participating lenders in our multi-lender network cover prime, near-prime, and subprime credit tiers with approvals down to 550 FICO® (subject to qualifying criteria).
There is no single minimum credit score required across the board. Because the platform integrates multiple lenders with varying risk tolerances, options exist for prime, fair, and sub-prime credit profiles alike.
Initial pre-qualification utilizes a soft credit inquiry² through our third-party lender network, which does not appear as a hard inquiry and has zero impact on your client's credit score. If the client chooses to accept a specific offer and finalize a formal loan agreement, the selected lender may perform a standard hard credit inquiry (typically causing a minor ~3 point temporary impact).
If an applicant has an active security freeze, they will need to temporarily lift the freeze with the three major credit bureaus (TransUnion, Equifax, and Experian) for their loan application to be evaluated. Once their loan is finalized, they can reinstate the security freeze at any time.
Applicants are under zero obligation to accept any financing offer presented. Because the initial application relies on soft credit inquiries, walking away from an unaccepted offer carries no fee, obligation, or credit impact. If the client prefers another payment method, they can complete enrollment using any alternative path you offer.
Most participating lender solutions provide automated pre-approval decisions within seconds to a few minutes. This rapid response allows sales teams to guide prospects live on enrollment calls and keep closing momentum strong without making applicants wait days for an answer.
Coach Financing Solutions supports program pricing ranging from $1,000 online courses and certifications up to $100,000 high-ticket masterminds, retreats, live events, and executive consulting packages.
Getting started is simple. Most merchant accounts can be fully prepared and live within 1 to 2 business days after required setup information is submitted. Once your custom financing link and tracking portal are activated, you can begin offering payment options immediately, backed by 1-on-1 onboarding support.
Stop losing clients over price.
Offer flexible monthly payment options that help qualified clients move forward while your coaching business gets paid upfront.