> ## Documentation Index
> Fetch the complete documentation index at: https://knowledge.uportal360.com/llms.txt
> Use this file to discover all available pages before exploring further.

# FAQ - Merchant Bank Program

## Merchant: Bank Program FAQ

This FAQ will consolidate the most common questions about bank-issued finance programs into one place.

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## What is a Bank Program, and how is it different from a standard purchasing finance program?

A Bank Program is a financing solution where a UGA funding partner or bank provides the funds for approved customer purchases, allowing merchants to offer financing options without using their own capital. In a standard purchasing finance program, the financing is typically provided directly by a lender or finance company. For merchants, the customer experience is similar in both cases, but a Bank Program may offer access to additional funding capacity, competitive financing options, and bank-backed lending infrastructure. Depending on the program, customers may be required to become members of a participating credit union or financial institution and may need to complete a membership application as part of the financing process. The specific financing terms, approval criteria, and program requirements can vary depending on the bank, credit union, or lending partner involved.

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## Do bank-program contracts behave differently for modifications, returns, or servicing?

\_NEED TO UPDATE\_Note: the **Contract Modifications** guide already references contract-type eligibility for decreases (for example, certain bank-issued contract types). This answer should reconcile with that guide so the rules match in both places.

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## Who do I contact with bank-program questions?

For questions specific to a Bank Program, contact your Client Success Manager or the Client Success Team, who can route program-specific questions appropriately. See [Help & Contacts](https://claude.ai/chat/3c3562fc-50fe-4481-9c3d-8de395bd943b#).

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### Related articles

* Contracts & Modifications FAQ
* Credit, Approval & Verification FAQ
* Guide for Merchants
* Help & Contacts