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Say sold instead of sorry

Carmel Financial Corporation is a leader in non-prime consumer financing. For nearly 50 years, we have been helping companies increase their bottom line by approving credit applications that most lenders decline. Our consumer financing options are offered in a variety of markets such as water treatment, home improvement projects, heating and air units, green technologies, pools, spas, automobiles, flooring, and many more.

Our programs are upfront, easy to use and allow you to generate profit from an otherwise lost sale. Unlike some lenders, we never charge a fee to become a merchant or review your customer's credit application. We offer various credit promotions, such as Same As Cash and Deferred Payment promotions to help you close more sales.

Have a question regarding one of our programs? Our friendly Executive Account Managers are just a phone call away and are eager to assist you with your next sales deal.

Contact us today at 800.964.0672 and start saying SOLD to your customers instead of sorry.



we never say noAt Carmel Financial, we make it possible for you to…

Never lose a sale because of a customer’s credit history
Spend less time with paperwork and more time selling
Put more profit in your pocket
Reduce risk with non-recourse contracts
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Contact us:
Sales: 800.964.0672 | Credit Fax Line: 800.523.7408
Address: 101 East Carmel Drive, Carmel, Indiana 46032

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Are your sales half of what they should be?

Guide to selecting a secondary lender

5 Minutes to Additional Profit
View our short, informative video and learn how you can turn your otherwise lost sales into additional profit.