Fresh perspective for financial success

BHG Financial Launches NaluPay, a Point-of-Sale Financing Solution, Focused on Healthcare, Retail and Home Improvement. 


NaluPay leverages BHG Financial’s 20-year lending expertise to offer risk-free financing for merchants and their customers with streamlined point-of-sale solution.  

While point-of-sale financing solutions are becoming increasingly popular, most solutions seek to provide benefits to customers, without a focus on providing merchants with customizable benefits that meet business needs. Similarly, many of these solutions lack the ability to fund larger priced purchases and ensure less financial risk for merchants.  

These market needs are a few of the many reasons why BHG Financial  was inspired to launch NaluPay; the most merchant centric partner in point of sale financing designed with the latest technology, insightful analytics, and best partnerships. This point-of-sale financing solution provides merchants the ability to offer customers deeper credit lines, instant pre-qualification, and a credit decision within minutes. 

The NaluPay Program empowers its merchants with a true omnichannel offer, from in store, over the phone, and online with three “low mental friction” pieces of information. As a part of the merchant onboarding experience, NaluPay consults and custom tailors promotional offerings to fit our merchant’s business profiles, margins, and definition of success 

“It’s no secret that offering POS financing solutions increases sales for businesses, however, many shy away from these solutions because of operational complexities, or financial concerns ,” said Matt Lekawa, Executive Vice President of NaluPay. “Many current buy-now-pay later solutions also fail to offer customizable solutions for merchants. Our unique approach, combined with BHG’s state of the art technology, human touch, and network of over 1,400 bank partners, allows us  to make an immediate impact in this space through offering a system unlike any other in the industry.” 
The platform also includes a feature where merchants can, if they desire, opt in for approval rates up to 100%. NaluPay’s model uses algorithms to determine the customer’s propensity for payment accurately and when funding, reserves a portion of the loan to ensure that the merchant is not responsible for default. This model will also allow for lending of higher-priced items, which isn’t as common in today’s POS financing industry.  

NaluPay is a division of BHG Financial, the leader in unsecured lending solutions in the personal and professional space for over 20 years. NaluPay brings BHG’s unique technology to the point-of-sale financing industry, opening new opportunities in the consumer lending space. 

“We are very excited to bring our successful model that we’ve used through BHG the last twenty years, into the world of home improvement and retail,” said Al Crawford, Co-founder, CEO and President of BHG Financial. “For the last twenty years, BHG Financial has prided itself on consistent evolution within the financial and technology spaces. The launch of NaluPay is another testament to our teams hard work and visionary mindset. With the excitement the team has already heard from the market, we fully expect NaluPay to be one of the leading revenue and growth streams within the larger BHG Financial family of brands.”  

NaluPay is already in talks with merchants in the retail and home improvement space and is also looking to strengthen and grow its existing healthcare facility relationships. The company is expecting to announce these new partnerships throughout early 2022.  

For more information on NaluPay and how to become a merchant please visit 

For more information on BHG Financial and its family of brands you can visit

About BHG Financial    

BHG is transforming the financial industry; leveraging the power of data, analytics, and cutting-edge technology to become one of the best sources for high-performing loans and the creator of one of the largest community bank loan and product networks in the country.  

Since 2001, BHG has originated more than $10 billion in loan solutions to top-quality borrowers, which community and midsize banks can access via a state-of-the-art loan sale platform. Building on nearly two decades of innovation, BHG and its family of brands now offer a full suite of financial solutions that span business, consumer, and SBA 7(a) loans, credit cards, collection services, risk management services, and point-of-sale financing with a focus in patient lending.  

With record growth year after year, BHG continues to be recognized regionally and nationally: earning a spot on the Inc. 5000 for 14 years running and receiving accolades from Great Place to Work® and Fortune magazine, among others. BHG is partially owned by Pinnacle Bank (PNFP) and has headquarters in Davie, FL and Syracuse, NY.   

To learn more about BHG’s financial solutions, visit, and for more information about the BHG Bank Network, click here. Follow BHG on LinkedIn, Facebook, and Twitter