Equipifi BNPL & Installment Platform for Banks

Equipifi, Inc. is a Scottsdale, Arizona company that offers flexible payments and BNPL to banks and credit unions. According to Finovate, it was founded in 2021. It lets financial institutions give their account holders installment credit without building the lending technology.

The platform has two products: pre-purchase, which provides real-time funds before checkout, and post-purchase, which splits larger purchases after the spend. It also covers loan management, risk management, reporting, marketing and integrations with banking cores and digital banking platforms. Programs launch in about 8 weeks with roughly 10 hours of effort from the client team.

• Pre-purchase financing: Real-time funds before checkout.
• Post-purchase installments: Larger purchases split after the spend.
• Loan and risk management: Eligibility and offer parameter controls.
• White-label experience: Branded flows inside bank and credit union channels.
• Core integrations: Connects to banking cores and digital banking platforms.
• Marketing tools: Support for driving program adoption.

A Vietnamese bank could offer installment conversion for card and account purchases. A consumer finance company could launch pay-later for partner merchants. A digital bank could give pre-approved short-term credit at checkout.

Financial institutions can launch a white-label BNPL program in about 8 weeks. Client effort is around 10 hours, per the site. Pre-approved offers and automated workflows support adoption. Real-time program reporting gives visibility into usage and risk.

Banks and credit unions face competition from standalone BNPL apps and want to keep installment lending inside their own channels. In Vietnam, banks are expanding installment and pay-later products, so white-label BNPL stacks for financial institutions are a relevant model.

Equipifi, Inc., Scottsdale, Arizona. Founded 2021 per Finovate. US$34 million Series B announced May 2026, led by Left Lane; total funding US$49 million. SOC 2 badge (A-LIGN). Credit union customers include Openland CU and Educators Credit Union.