Add Upfront to your checkout and your students get financed across a panel of 35+ lenders. You’re paid in full, upfront, so more of what you close actually lands, taking your cash-collected ratio from ~45% to 85%+. The sale never dies.
Soft check first. Seeing your options won’t affect your credit score.
You run the ads, book the calls, and close a $10k program. On paper it’s a $10k month. Then reality shows up. Half the room can’t pay in full, so you put them on a plan. Payment two clears. Payment four bounces. By the end of the year the contract said $10k and your bank says $4k.
A contract is not a collections department. If a student stops paying, it stops.
Drag to your number.
That’s $32,000 a month you closed but never collected.
45% and 85% are based on real cash-collection ratios across the coaching launches we run. Your numbers will vary.
That gap is the product. Join the waitlist →Upfront sits at the moment of the sale. You send one link, your student handles the rest in a couple of minutes, and you get paid upfront on money you’d normally wait a year to maybe collect.
You send one Upfront checkout link after the close. Same place your Stripe link used to go.
Name, income, the basics. One form, no re-typing on five different lender sites.
Personal-loan lenders that actually fund coaching, not merchant BNPL that rejects it. Your student sees only the plans they qualify for.
The lender funds the deal and you’re paid in full now. If nobody approves them, it falls back to a card plan so the sale still lands.
The agreement is e-signed, the deal syncs to your pipeline, and your closer gets the notification.
You stop chasing installments and go back to selling. The defaults become the lender’s problem, not yours.
The others decline your buyer. We fund them, and if we can’t, we catch the sale on a card plan instead of losing it.
When the money is funded upfront, there’s no plan to fall behind on. The yes on the call is the yes in your bank.
Get paid in full the week you close instead of waiting on 12 installments and hoping.
No dunning texts, no checking in, no awkward DMs to someone who ghosted payment four. The lender carries the plan.
Collected cash goes straight back into acquisition. More budget, bigger launches, less waiting on trapped money.
Students who’d have walked now enroll on a plan sized to what they can carry. You recover sales you were quietly losing.
Payment, financing, contract, and CRM in one flow. Your closer sends a link instead of stitching together five tools.
Upfront isn’t a fintech that read about coaching in a deck. It’s built by Vibrantix, the agency that runs the ads, the funnels, and the follow-up for high-ticket coaches. This is the tool we wished existed while we were staring at their cash-collected numbers.
Cash collected as a share of revenue closed. That gap is the difference between a $10k month on paper and a $4.5k month in the bank.
One form. Routed across the panel. 35+ lenders that actually fund coaching.
No. The loan is between the lender and your student. You are not the borrower, the lender, or the guarantor. The student applies directly, gets funded directly, and you get paid. If they stop paying the lender, that’s the lender’s book, not yours.
You’re not paying interest on your own money. Pricing is simple and tied to funded deals, and we’ll lay it out in plain numbers before you ever send a link. No lock-in, no monthly fee to sit on a shelf.
Buyer-underwritten financing is live in the US first, because that’s where the lender panel actually funds coaching today. Payments, plans, and contracts work globally, so students outside the US can still check out and pay. We’re adding lending countries as we confirm real lenders in each one.
They already trust financing. It’s the same thing they use for a laptop or a dentist. The checkout is clean, it says what it is, and they see real numbers before they commit. Most coaches find more people say yes, not fewer, because the price stops being the wall.
The sale doesn’t die. It falls back to a card payment plan through your own checkout, so you still capture the deal instead of losing the person who was ready to buy.
We’re onboarding coaches selling $3k to $15k programs first, because that’s the band lenders actually fund. Join the waitlist and we’ll reach out with early access.