Is there a need for software that provides online loans to people buying higher end products? A company has a product and the user does not have the money to purchase the product up front. You enter the persons email, loan amount, and you can see the payment that you know they can afford into the system and they get a loan application. They fill out the personal information loan application and sign a legal payment agreement. The immediately make their first payment with a credit card or checking account. and they are auto billed with interest until all payments are made. Doing this does a few things. It keeps you as the seller from having to collect money. These are people that maybe could not get a loan through affirm and everyone gets approved in this system. It does not devalue your product so you have to undercut the cost of your product. You get all the money that you are asking in payments and you don't have to be the "bad guy." You also have a legally binding payment agreement with the customer. Would this be beneficial for people selling higher ticket items?