Choosing the right Point-of-Sale (POS) loan model—Direct-to-Consumer (DTC) or Direct-to-Merchant (DTM)—is critical for merchants seeking to maximize sales without compromising profit margins. DTC loans involve direct financing from lenders to consumers, minimizing merchant costs, and are ideal for businesses with lower profit margins. DTM loans, however, allow merchants more control over financing, often increasing transaction sizes and fostering customer loyalty but require absorbing a loan fee, which suits high-margin businesses. Enable Financing offers both DTC and DTM solutions, empowering merchants to select the best model for their unique needs and goals.