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ChargeAfter

“Can a multi-lender waterfall become the default distribution rail for every point-of-sale credit product, white-labeled by the banks themselves?”

Founded2017
HQNew York, New York, United States
FoundersMeidad Sharon
Latest roundSeries B, $9M
IndustryInfrastructure / Lending
The story

ChargeAfter was founded in 2017 as a multi-lender embedded financing platform designed to raise POS approval rates by waterfall-routing shoppers across prime, near-prime, subprime, and lease-to-own providers. The 2020 Visa investment and partnership repositioned the company as infrastructure for banks and card networks, and today its 'lending hub' is sold as a white-label platform to tier-one financial institutions as much as to merchants.

Last 12 months
—
Product timeline
2017
Founded by Meidad Sharon in New York as a point-of-sale consumer financing platform.· pivot
2018
Won BBVA Open Talent 'Fintech for People' award.· pivot
2019
Raised $8M Series A led by Propel Venture Partners (BBVA).· lending
2020
Visa invested and partnered with ChargeAfter to distribute its network of lenders to Visa clients.· lending
The stack
1 layer disclosed in ChargeAfter’s embedded-finance stack
Lending
Embedded lending platform (merchant-facing)White-label embedded lending hub (bank-facing)Multi-lender waterfall / prime, near-prime, subprime, B2B, and card/BNPL tiersPoint-of-sale installmentsBNPLRevolving creditPrivate label credit cardsPersonal loansProject loansLease-to-own
Accounting gap: minor

ChargeAfter — frequently asked

Who founded ChargeAfter?

ChargeAfter was founded by Meidad Sharon and is founded in 2017, headquartered in New York, New York, United States.

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