A credit line at your counter.
None of the risk.
Deferred gives your customers buy-now-pay-later built for cannabis. You get paid next business day in real bank deposits — and we carry every dollar of the repayment risk.
One $80 ticket.
Your customer walks out with their order. Deferred pays you the next business day and collects the four weekly installments. Their repayment is our problem — not yours.
- Customer ticket
- $80.00
- Merchant fee (5% + $0.50)
- −$4.50
- You receivenext business day
- $75.50
- Your repayment risk
- $0.00
More sales. Less cash. Zero lending risk.
You carry no credit risk
Deferred funds the purchase and collects from the customer over four weeks. You're paid next business day whether or not they repay us.
Cash off the counter
Real bank deposits instead of a register full of cash — no armored pickups, no safe to manage, no end-of-night count.
Bigger, more frequent baskets
A credit line at checkout lifts spend. Card payments alone drive +59% more transactions than cash-only stores.
Customers you couldn't approve before
Cash-flow underwriting instead of FICO means thin-file shoppers still qualify — and come back to the store that offered it.
What your customer experiences.
Five steps, fully inside the checkout your staff already run.
Open an account
The customer scans a QR code at the counter and links a bank in about 90 seconds. Approval runs on cash-flow data — no FICO required.
Get a credit line
Up to $200, capped at 25% of the customer's average daily balance. Underwriting tuned to keep customers safe and defaults low.
Pay at the counter
Your POS pings Deferred and we authorize in under two seconds. The dispensary completes the sale exactly like any other transaction.
Dispensary gets paid
We settle next business day, less a flat 5% merchant fee. Real bank deposits — not cash to count.
Customer pays us back
Four equal weekly payments starting day 7, $1 per payment. The loan closes on day 28. No interest, no surprises.
No rip-and-replace.
Deferred plugs into the major cannabis POS platforms and the hardware you already use.
Cannabis POS platforms
POS hardware
Live in four steps.
Join the waitlist
Tell us your market, store count, and the POS you run.
We confirm your fit
We check state availability and your POS, then map the rollout.
Light POS integration
Deferred plugs into the checkout your staff already use — no rip-and-replace.
Go live at checkout
Start offering Deferred and watch baskets grow while cash leaves the drawer.
Straight answers.
Do I take on any credit risk?
No. Deferred funds the purchase and collects from the customer. You're paid next business day, less a flat fee — regardless of whether the customer repays us.
What does Deferred cost me?
A flat 5% + $0.50 per Deferred transaction, netted out of your next-business-day deposit. No Deferred sale, no fee.
What does my customer pay?
Four equal weekly payments with a $1 fee each, starting day 7. No interest. The loan closes on day 28 — no surprises.
Will it work with my POS?
Deferred integrates with the major cannabis POS platforms — Dutchie, BioTrack, Flowhub, Cova, Alleaves, Treez — and common POS hardware. No rip-and-replace.
How are customers approved?
On cash-flow data, not FICO. A customer links a bank in about 90 seconds and gets a line up to $200, capped at 25% of their average daily balance.
When can I start?
We're onboarding market by market. Join the waitlist and we'll reach out as Deferred opens in your area and on your POS.
Put Deferred on your counter.
Tell us about your stores and we’ll reach out as Deferred opens up in your market and on your POS.