A type of seller financing in which a firm extends customers a loan, allowing them to purchase its goods or services.
In-house financing eliminates the firm's reliance on the financial sector for providing the customer with funds to complete a transaction.
The automobile sales industry is a prominent user of in-house financing. Many vehicle sales rely on the buyer taking a loan, in-house financing allows the firm to complete more deals by accepting more customers. Whereas banks or other financial intermediaries might turn down a loan application, car dealerships can choose to lend to customers with poor credit ratings.

它是一种融资服务，实质是公司向客户提供的贷款，以使这些客户能购买该公司的商品和服务。
内部融资使得公司和客户交易时，不必依赖于金融机构为客户提供资金。
汽车销售是最早提供融资服务的行业，许多销售都依赖客户贷款，内部融资使得公司接受更多的客户，完成更多的销售。银行或是其他的金融机构可能会拒绝客户贷款，汽车销售商则可能给客户贷款即便他们的信用评分很差。