CLIENT OVERVIEW

Terrace Finance

Terrace Finance is a US-based consumer lending company that provides point-of-sale financing solutions for retail and e-commerce merchants. With strong internal banking infrastructure and proprietary underwriting systems, Terrace is positioned as a technology-forward lending partner capable of delivering fast credit decisions and automated funding at scale.

Their model centers on embedding financing directly into the merchant’s sales environment, removing the need for customers to leave the product page or navigate third-party portals to access credit. This merchant-embedded approach differentiates Terrace from traditional consumer finance providers that rely on redirect-based application flows.

THE CHALLENGE

Financing Disconnected from the Point of Sale

Before integrating with Sharpei, Terrace Finance’s merchant partners faced a common but costly problem: financing was available, but it wasn’t embedded where customers actually make purchasing decisions. Application flows required redirection away from the product page, creating drop-off at the exact moment of highest purchase intent.

On the operational side, even after a customer was approved, the process of creating a fulfillment order in the merchant’s e-commerce platform was manual. This meant delays between credit approval and order placement, additional administrative overhead for merchant teams, and a disjointed experience that undermined the speed advantage of digital lending.

Terrace needed a technology layer that could meet the customer at the product page, transmit applications automatically into their underwriting systems, and trigger downstream fulfillment workflows without human intervention on either side.

THE SOLUTION

Product-Level Embedded Finance with End-to-End Automation

Sharpei deployed its embedded finance infrastructure directly into the product pages of two US-based bike brands operating on Shopify, turning every product listing into a financing-enabled storefront.

Application Capture at the Product Page. Sharpei’s financing widgets were embedded natively into each product page, presenting customers with real-time financing options alongside standard purchase buttons. This eliminated the redirect entirely. Customers could initiate a financing application without ever leaving the product they were considering.

Automatic Application Transmission to Terrace. Once a customer submitted an application, Sharpei’s platform automatically packaged and transmitted the full application payload to Terrace Finance’s internal systems. No CSV exports, no email attachments, no manual re-keying. The data arrived clean, structured, and ready for decisioning.

Automated Funding via Terrace’s Banking Infrastructure. Terrace’s robust internal tech stack allowed for deep automation on the lender side. 90% of approved applications were automatically funded through Terrace’s banking systems without manual intervention, moving directly from credit decision to disbursement.

Automatic Shopify Order Creation. Upon approval and funding, Sharpei automatically generated a corresponding order in the merchant’s Shopify store. This meant the merchant’s fulfillment team received a standard Shopify order as if the customer had checked out with a credit card, requiring zero changes to their existing logistics workflow.

THE RESULTS

Velocity, Automation, and Conversion at Scale

The velocity of results is worth emphasizing. Over 100 financing applications generated in under a week from a single merchant integration is not a slow pilot; it is a proof of market demand for embedded financing that meets customers where they are already shopping.

From the lender’s perspective, 90% auto-funding means Terrace’s operational cost per funded deal dropped dramatically. From the merchant’s perspective, every financed sale appeared as a standard Shopify order, meaning no operational disruption and no retraining of fulfillment teams.

WHY IT WORKED

Strategic Alignment Between Platform and Infrastructure

This integration succeeded because of a specific combination of Sharpei’s embedded finance layer and Terrace’s internal technology infrastructure.

Sharpei provided the consumer-facing application experience, the product-page embedding, and the middleware automation connecting the merchant’s e-commerce platform to the lender’s systems. Terrace provided the automated underwriting, instant credit decisioning, and banking infrastructure capable of funding at the speed the integration demanded.

Neither side could have achieved this outcome independently. Without Sharpei, Terrace would have relied on traditional application portals disconnected from the merchant’s storefront. Without Terrace’s automated banking systems, the downstream funding and order creation workflows would have required manual processing, eliminating the speed advantage.

“When the technology on both sides of the integration is built for automation, the result isn’t incremental improvement. It’s an entirely different operating model.”

— Sharpei AI Integration Architecture

CONCLUSION

The Terrace Finance integration demonstrates what embedded finance looks like when it works end to end: the customer never leaves the product page, the application reaches the lender instantly, the credit decision triggers automated funding, and the merchant receives a fulfilled order without lifting a finger. This is the standard Sharpei is building toward with every lending partner, and it represents a fundamentally scalable model for any lender looking to increase merchant origination volume without proportionally increasing operational overhead.