You buy or build at your cost and you sell at your price. That difference is your margin, and you earn it. When a customer pays over time, he pays exactly the same price — nothing is added for the months — and you reach everyone who can pay every month but cannot pay all at once.
The moment a buyer needs to pay monthly, someone has to wait for the money. If you are willing to wait, you receive your full price, monthly, and your customer pays exactly what a cash customer pays.
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.
The same price. One number, agreed and signed once, for a stated term — nothing added for waiting.
Your one price is the 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 — there are no late charges, ever — a customer in hardship is helped, never penalized, and the amount owed stays the amount owed.
We prepare the agreement and the security document for the asset for you and your customer to sign, and your customer pays you directly, by Zelle or Bill Pay; qardon.com never holds or collects the money. 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.
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 you 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 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 carries one price, the same for cash and for monthly payments.
What you have listed, what has sold, the payments you have confirmed, what is late, and how many buyers asked about monthly payments on items you had not offered them on. Payments and late payments 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 written in your name; the template’s review by counsel is an open item, and a licensed attorney in your state is the right person for the final word on your own agreement.
Your customer pays you each month directly, by Zelle or Bill Pay; reminders inside permitted hours, and a running balance both sides can see. There are no late charges; a buyer in hardship is offered help first. A dispute is answered by the platform’s assistant and recorded, so nothing is lost.
Every buyer’s email and phone are confirmed before he can make an offer, and his intake is on the record. Ability to pay, sanctions screening and fraud history are not checked by us — that decisioning surface is specified and not built — so you decide whom you sell to, as any seller does, and you may ask a buyer for what any seller may ask. You never receive a buyer’s private file through us. And buyers browsing the marketplace can ask you to carry an item you listed for cash.
qardon.com is free for dealers, builders and manufacturers: nothing to pay, never a percentage of a sale. Buyers pay nothing either.
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, in writing.