Equipifi

equipifi is a Scottsdale, Arizona fintech that gives banks and credit unions their own buy-now-pay-later and installment lending capability inside their existing digital banking apps. The white-label platform lets an institution offer members flexible payment options on debit card and checking account transactions, both before a purchase and by splitting a purchase after it clears. It handles loan origination and servicing, risk and program configuration, reporting and member marketing, and integrates with major banking cores and digital banking platforms. Founded in 2021, it has partnered with more than 70 financial institutions reaching over three million account holders.

Keeps the BNPL relationship — and the loan — with the financial institution rather than a third-party fintech, fully branded to the institution and launched in about eight weeks with roughly ten hours of work from the client's team.