Industries We Serve
Reclaim Capital works across high-margin, financing-dependent retail verticals. See the deal-level math for your industry.
Furniture & Mattress
High-ticket, high-margin, and financing-dependent. The furniture vertical is where in-house financing generates the clearest ROI — and where third-party lenders extract the most from your customer relationships.
Vertical Profile
| Typical Gross Margin | 38–45% |
| Average Ticket (Installment) | $3,500–$5,000 |
| Average Ticket (BNPL) | $1,200–$2,000 |
| Financing Penetration | 35–55% of sales |
| Credit Mix (typical) | 45% prime · 30% near-prime · 25% sub-prime |
Deal-Level Math
On $10M in annual second-look financing volume, a furniture retailer switching from a 15% MDR provider to Reclaim Capital at 7.5% MDR — with a conservative 15% volume lift from cash flow underwriting — generates +$1.24M in incremental annual gross profit. That's a 49% improvement on the second-look segment alone.
Elective Medical, Dental & Aesthetics
From Botox to dental implants to orthodontics — elective and cosmetic procedures are almost entirely out-of-pocket, financing-dependent, and dominated by one major platform whose deferred interest structure can damage patient trust.
Vertical Profile
| Typical Gross Margin | 55–75% |
| Financing Penetration | 40–65% of elective procedures |
| Dominant Financing Provider | CareCredit (Synchrony) |
| CareCredit MDR (12-month) | ~5.99% |
| CareCredit MDR (24-month) | ~9.99% |
| Consumer Risk | Deferred interest retroactive at 26.99% APR |
Deal-Level Math
The med spa industry alone was valued at over $17 billion in 2024 and growing by approximately $1 billion per year. Financing penetration is high, procedure acceptance rates are closely tied to financing availability, and the found customer opportunity is enormous.
Jewelry & Bridal
High-margin, emotionally charged, and chronically underfinanced. Jewelry and bridal customers are motivated buyers — but financing options that are confusing, expensive, or slow are leaving significant sales on the table.
Vertical Profile
| Typical Gross Margin | 45–52% |
| Average Financed Ticket | $2,500–$5,000 |
| Engagement Ring (avg) | $5,900 |
| Financing Penetration | 30–45% of transactions |
| Prime card MDR | 3–6% |
| BNPL MDR (Affirm, Klarna) | 5.99–8% |
Deal-Level Math
In the jewelry vertical, a customer declined at the point of purchase rarely comes back. The emotional moment — the proposal, the anniversary, the milestone — is time-sensitive. Cash flow underwriting approves customers that FICO-based models decline, capturing sales that would otherwise be permanently lost.
HVAC & Home Services
HVAC, plumbing, and home improvement financing involves large, often urgent transactions — and a financing landscape dominated by home improvement lenders charging 5–9% MDR.
Vertical Profile
| Typical Gross Margin (HVAC replacement) | 30–38% |
| Average Ticket (AC replacement) | $6,000–$12,000 |
| Average Ticket (plumbing/HVAC repair) | $2,000–$5,000 |
| Financing Penetration | 50–70% of large jobs |
| Current MDR (GreenSky, Synchrony HVAC) | 5–9% |
Deal-Level Math
A homeowner with a failed AC unit in summer is a motivated buyer regardless of credit score. Cash flow underwriting sees their income and expenses — not just a FICO number. Approving customers that GreenSky or Synchrony's programs decline means the job gets done today.
Appliances
Lower margins but high volume and natural bundling opportunities with furniture and home improvement. In-house financing in the appliance vertical is a customer ownership play as much as a margin improvement.
Vertical Profile
| Typical Gross Margin | 28–35% |
| Average Ticket (major appliance) | $900–$1,800 |
| Average Ticket (appliance bundle) | $3,000–$6,000 |
| Financing Penetration | 25–40% of major appliance sales |
| Prime card MDR | 3–5% |
| BNPL MDR | 4–6% |
Deal-Level Math
Appliance retailers that also sell furniture, flooring, or home improvement products can cross-sell across categories on a single financing account. A customer approved for a $1,400 refrigerator may have open-to-buy capacity for the sofa they've been eyeing.
See the numbers for your vertical
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