Merchant guide for:

  • Taking Applications
  • Logging in to the Merchant Portal
  • Invoicing and Completing Transactions

How it Works


Customer applies in-store or online using your Customer Application Link.

The Terrace Finance platform works to match the customer with a lender.


Notification of approval status is sent to both you and the customer.


You create and send an invoice for the final total of the goods within the merchant portal.

lender icon

The contract and first payment are initiated by the assigned lender.

get paid icon

You receive confirmation from the lender and release the goods!


Our application is PAPERLESS! All you need is your unique Customer Application Link to get started. We included it in your Welcome Email at onboarding. Request it again if you’ve lost track of it.

3 Ways to Use Your Customer Application Link

Embed it on Your Site

Your unique link can be embedded in a button, image, or menu item. Tech-savvy? Go for it! Not so much? It’s an easy add for your web developer.

Share it Online

Email or text your link to customers. Keep it bookmarked in your browser so it’s easy to find when you want to copy and paste it into social posts or emails.

Post it In-Store

Terrace Pets Flyer

Printable pdf point-of-sale flyers customized with your link and QR code are available! Put one in a stand, print up a bunch- it’s up to you. Now available with and without an area to place your logo.


Once customers begin submitting applications using your link, the deals will be visible on your merchant dashboard within the Terrace Finance Merchant Portal. Log in to monitor the status of each of your applicants and complete transactions.

Login Steps

Click the Log In Button

Login laptop

The Login button is located in the top right corner of this website.

Sign In With Username & Password

Your username is the email address you provided when you registered with us as a merchant.

Utilize the temporary password given to you in your Welcome Email for your initial sign-in. Call us at 888-509-1370 for password assistance.

Click Sign In to continue.

Watch the video below to learn how to change your password to a secure one of your choosing.

Get One-Time Password

Check the box next to “Email ID” and hit Continue to receive a 6-digit code to complete your secure sign-in.

If an email with the code does not arrive immediately from the sender “Info”, check your junk folder.

Complete the Validation

Input the 6-digit code from the email and click Validate OTP to gain access to your merchant dashboard.

For your security, steps will have to be repeated each time you log in.


An invoice must be submitted through the system in order to complete a transaction and receive funding from a lender. When Customer Status is “APPROVED” you are ready to submit an invoice.

Invoicing Steps

Click the Upload Symbol

upload symbol

Within your dashboard, to the far right of each customer, is an upload icon. When you are ready to create the invoice for a customer, click the upload icon next to them.

Click the “+” Sign

Add items to invoice

Certain fields within the invoice will be auto-populated. You will need to fill in the rest. Click the “+” sign to enter the product information of the item(s). Keep clicking the “+” to add more items.

You can upload your own invoice from your computer, but it must contain the same required info such as brand, SKU, etc. To upload your own, click the “+” sign, then below it hit the blue “select file(s)” button to import.


invoice fields

In order to submit the final invoice, fields in red should be auto-populated by the system. Fields in green* should be completed by you.

If the lender has not issued an approval yet, the Approval Amount field will be blank. You can click Save and come back to the invoice when the customer receives their approval.

Click Save or Save & Submit (if available) when all fields are complete.



Once the customer has signed their contract and made any required down payment, Terrace Finance will notify you via email that the transaction is complete. DO NOT release the merchandise to the customer until you have our confirmation.