You buy or build at your cost and you sell at your price. That difference is your margin, and you earn it. Then a bank steps into the same transaction, gets paid for waiting, and keeps a second margin on top of yours — on the item you sourced, on the customer you found, in the store you pay rent on. Carry the sale yourself and that second margin is yours.
The moment a buyer needs to pay monthly, someone has to wait for the money. Right now that someone is a third party, and they price the waiting — which is why the customer's total climbs and the extra goes out of your building. If you are willing to wait instead, you set that price, and it stays with you.
And it is not only the margin. Every item you list as payable monthly is visible to a much larger group of buyers: everyone who can pay you every month but cannot write one cheque today. Same inventory, same floor, considerably more people able to say yes.
Your cost plus your normal margin. Exactly the number you already sell at. Nothing about this changes.
A single higher price, set by you, that compensates you for waiting for your money. One number, agreed and signed once, for a stated term.
You set one price for buying over time and you sign it. It is not worked out again each month, it is not applied to a balance, and it does not change if the customer pays late — late handling is a separate written process with hard caps, and the amount owed stays the amount owed.
We write the agreement and the security document for the asset, file it, collect the monthly payments, issue receipts, and run arrears through a compliant process. Your staff keep selling.
Qardon.com is the platform and the service provider. It is not a lender, it is not a guarantor, and it does not own or buy your receivable. Your customer's payments belong to your business.
Enter your numbers in dollars. You will get a suggested single price per term, the monthly payment, and the extra you capture compared with selling for cash today. It suggests; you decide and sign one fixed number.
| Term | Price when bought over time | Monthly payment | Extra you capture vs selling for cash | Total you receive | Your margin over cost |
|---|
We take the dollar amount you said you want for waiting, scale it to the length of each term, add your one-time set-aside if you entered one, round that total to the nearest whole dollar, and add it to your cash price. That is the entire calculation. It happens once. Nothing is worked out a second time, nothing is applied to a balance, and nothing changes while your customer pays.
These are suggestions. Your business sets and signs one fixed price per term, and the signed price — not this arithmetic — is what governs the sale. The moment it is signed, it stops being a suggestion and becomes the price, permanently:
Your price is fixed when you sign — it never grows.If you choose to carry a sale at exactly your cash price, that listing earns the platform's strongest label — 0% — Same as cash price — because the customer's total is identical either way. Qardon.com is the platform and the service provider: not a lender, not a guarantor, and never the owner of your payments.
The tools that make this work across a whole inventory rather than one sale at a time.
You already publish an inventory feed so it can be redistributed. Give us the URL and the format and we read it on a schedule instead of asking your team to key anything in twice. Registration is a request: nothing is fetched and nothing is published until we have reviewed and approved the feed with you.
Set your waiting figure and your terms once and apply them across a category, a price band, or the whole lot — then override the individual units that deserve it. Every unit still carries one fixed price per term, because that is the only thing a customer can be asked to sign.
What you have listed, what has sold, what is being collected, what is in arrears, and how many buyers asked about monthly payments on items you had not offered them on. Collections and arrears in one view, per unit and in total.
Businesses that carry their own sales get a badge on their storefront and on every unit that carries terms, so a buyer scanning the marketplace can see at a glance who will let them pay monthly. It is earned by actually offering it — never bought.
Sale agreement, payment schedule, and the security instrument for the asset — vehicle title lien, deed of trust or land contract, UCC-1 for equipment — drafted from templates for that asset class and reviewed by a licensed attorney in your jurisdiction before execution.
Automatic monthly collection, reminders inside permitted hours, receipts, and a running balance both sides can see. Arrears follow a written, capped process. Disputes go to a person, not an automated assistant.
Every buyer is verified before a deal moves — identity, ability to pay, sanctions screening, fraud history. You receive a recommendation, never their private file. And buyers browsing the marketplace can ask you to carry an item you listed for cash.
The service fee for businesses is set commercially and is put in front of you in writing before you commit to anything. This page does not quote a figure, because a figure that has not been set is a figure we would be inventing. Buyers pay no platform fee.
Tell us roughly what you sell, how much of it, and what your typical price is. We will come back with what carrying would look like for your business — including the fee, in writing.