Case Study: Raymour & Flanigan achieves 80%+ financing approval rates and seamless POS financing with ChargeAfter

How ChargeAfter Transformed Raymour & Flaniganʼs POS Financing

Raymour & Flanigan, the family-owned furniture and mattress retailer with 145+ locations, faced a fragmented, resource-intensive POS financing process—managing an in-house program and multiple lender relationships that strained operations, hurt customer experience, and limited lender flexibility. To modernize financing and simplify operations, Raymour & Flanigan partnered with ChargeAfter and implemented ChargeAfter’s embedded lending platform.

ChargeAfter deployed an omnichannel, multi‑lender waterfall solution with a streamlined application, real‑time credit decisioning, and automated workflows, reducing manual intervention and enabling lender testing and optimization. As a result, Raymour & Flanigan achieved 80%+ overall financing approvals and 94%+ in‑store approvals, higher application completion and order values, and improved operational efficiency and reporting for data‑driven lender management.

Raymour & Flanigan

Guy Demascole

Director of Credit