All decked out - Charles and Ivy increase sales with DivideBuy

Charles and Ivy have made it their mission to create a stylish, durable, low-maintenance modular fencing system that enables people to transform and personalize their gardens. As their range of superior products took the market by storm, their offer has evolved to products that elevate interior spaces as well.

The company wanted to offer retail finance so customers could access their full range of products in an affordable way.

Benefits of DivideBuy’s approach:
  • 82% approval rates
  • Higher conversion rates
  • Higher spend limit
"Charles & Ivy began with a simple observation: conventional fencing and screening is unremarkable, dull and maintenance-heavy. The same applies to finance provision with long application processes and poor user journeys that make customers walk away. DivideBuy’s agile finance solution caters perfectly to our customers’ needs and appetite. We’re glad to partner with them on our mission to make high-end products affordable.”
Alexander Dobson
Head of Commerce

The challenge:

Having never offered credit in the past, Charles and Ivy began their search for a provider, when they encountered some concerns.


Credit limits
The company’s initial offering was up to £6,000. However, customers were eager to purchase their higher-ticket items, which exceeded this amount, while spreading the cost.


Approval rates
Charles and Ivy wanted a provider who would safely approve as many customers as possible for finance, which could be complicated with such high order values.


Conversion rates
To make offering finance profitable, Charles and Ivy needed a provider who could convert customers successfully from browsers to buyers.


The Solution

DivideBuy acted quickly to meet the needs of customers based on feedback, offering Charles and Ivy a seamless finance solution which yielded strong results, including:

High approval rates:
DivideBuy’s tech-based lending engine, along with its Eligibility Checker tool, delivered approval rates of 82% for Charles and Ivy’s customers

High conversion rates:
Thanks to a sub two-minute credit journey, from application to approval, 86% of customers approved for finance with DivideBuy went on to complete a credit purchase.

Higher credit limits:
DivideBuy was able to increase its spending limit for £6,000 to £12,000, meaning customers could access Charles and Ivy’s full product range on finance.

Book your free 20 minute online demo

Tell us about you

Please note, a minimum turnover of £2.5M and minimum trading period of 24 months is required to offer DivideBuy finance solutions.

Guides to retail finance

Buying Retail Finance: Choosing your provider

Whether you’re new to finance, or looking for a change, this practical guide contains key questions to ask – and successfully choose the right provider for your business.

Financial promotions guidelines – How to advertise compliantly

If you’ve added retail finance options to checkout, it’s time to let customers know! Here’s how to do it safely and compliantly – while spread the good news.

A buyer’s guide to retail finance – How to choose the right provider for your business

Offering retail finance options to customers can help increase sales and market share. Following this step-by-step guidance will help you make an informed decision that will benefit your business.

Shopify finance – How to make it work for your business

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