Your financing book, finally in one place.
In-House Paper runs the financing side for furniture stores, car lots and retailers who finance their own customers. Contracts, payments, late fees and collections, in a browser instead of a back-room PC, a stack of ledger cards or a spreadsheet.
Taking a few stores in North Carolina, South Carolina and Virginia.
Bank draft file, 4 rowsNothing posts until you approve
| Customer | Contract | Amount | Match |
|---|---|---|---|
| Sample, Dana | 01-2026-0142 | $98.00 | Matched |
| Sample, Marcus | 01-2025-0877 | $125.00 | Matched |
| Sample, Jo | 2 open | $60.00 | Pick contract |
| Sample, Pat | 01-2024-0310 | $150.00 | Matched |
Sample data.
When you're the finance company, the paperwork is yours too.
Keying the bank file by hand
The auto-draft report comes in, and somebody types every payment into the books again, one account at a time.
One machine, one person
The whole book lives on one PC in the back, or in one person's head. When either is out, financing stops.
Late fees and schedules by hand
Odd last payments, the 29th in February, who's 30 days behind. All of it worked out with a calculator and a ledger card.
Rate rules in somebody's memory
Rate caps, late fee limits and terms change by state and by amount financed. They should be settings, not habits.
Everything a store that finances its own sales does every day.
Built by watching the work at a furniture store in eastern North Carolina, not from a feature list.
Contracts
Finance charge, APR, term and payment schedule computed for you, held to your rate tiers. Add-on sales roll into a new contract. Prints on plain paper.
Payments and bank imports
Take payments at the counter, or load the bank's draft file and match it to accounts. You review every row. Nothing posts until you approve.
Late fees and collections
Late fees assessed on schedule. Who's behind, how far and since when, with promise dates and notes on the account.
State rules as settings
NC, SC and VA rate caps, late fee and returned-check limits set up as configuration. Have your attorney confirm them for your store.
Reports
End-of-day closeout, sales tax by month, aging, collections by date and payment history per account. Export any of it to Excel.
Your team, your rules
Owner, manager and staff roles, more than one location, and every change logged with who did it and when.
Wherever your book lives today, it comes with you.
Nobody wants to retype years of accounts. Tell us what you run and we'll say honestly what moving it looks like.
An old DOS system
We've already moved one store off AMS RFS, reading contracts, payments and customers straight out of its data files back to 2018, then checking balances against the store's own aging report.
Spreadsheets or ledger cards
We set up your customers and open contracts with their balances and next due dates, and you start from there.
Other software
If it exports, we'll look at the export and tell you what carries over before you commit to anything.
Who this isn't for.
- You don't carry your own paper. If every sale runs through Synchrony, Acima, Snap or Koalafi, you need a POS that talks to them.
- You want one system for everything. We don't do inventory, merchandising or e-commerce. We do the financing side.
- You need it next week. Setting up your accounts properly takes a few weeks and at least one day sitting with you going through them.
We're taking a few more stores in NC, SC and VA.
Early partners get a say in what gets built next and early-partner pricing. Tell us what kind of store you run, what you use today to track your financing customers, and roughly how many accounts you carry.
Please don't email customer files. If it makes sense to look at your data, we'll set up a secure way to send it.