> ## 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.

# Quick Start Guide for Merchants

#### Who is this for:

Merchant (Retail Seller) users.

#### At the end of this guide:

You'll be able to submit a Credit Application with the uPortal360 platform, receive an approval or decline result, choose payment options, and sign a contract agreement to begin financing through the Classic or Direct-To-Consumer Interface.

## Merchant Training Guide

This guide is created specifically for Merchants to understand how to use uPortal360 for their business and consumers. It's a brief overview of the whole process. You will see how to use uPortal360 to manage your users, view your assignment invoices, and all the features you have access to.

### Merchant Finance Training Guide - UGA Finance Program

<Card title="Generic Merchant Training Deck" icon="file-arrow-down" href="/files/generic-merchant-training-deck-6.pdf">
  Download PDF
</Card>

## Direct-to-Consumer Application Process (Apply)

This Consumer Application Process Quick Start Guide is written specifically for consumers and merchants so if they have questions for your employees you can copy information from the guide below into an email that would take them through the application process and help them with common errors that may occur.

### Direct-to-Consumer QuickStart Guide for Merchants

<Card title="QuickStart CreditApp Consumer" icon="file-arrow-down" href="/files/quickstart-creditapp-consumer-1.pdf">
  Download PDF
</Card>

### Direct-to-Consumer Training for Merchants

<Card title="uPortal360 Apply Standard Training" icon="file-arrow-down" href="/files/uportal360-apply-standard-training.pdf">
  Download PDF
</Card>

**Screens Only**

<Card title="uPortal360 Apply Standard Training Screenshots" icon="file-arrow-down" href="/files/uportal360-apply-standard-training-screenshots.pdf">
  Download PDF
</Card>

<Info>
  **Update - Charge Entry through uPortal360**

  In the training material above, the process to enter the charge for a consumer application requires entering the consumer application and a merchant PIN code.

  We have released a simplified feature that allows you to enter the charge directly from uPortal360. Please see the [Release Notes for this enhancement](https://knowledge.uportal360.com/docs/release-20210304-consumer-application-charge-entry-via-uportal360) for a full walkthrough.
</Info>

## Classic Merchant uPortal360 Application Process

Our classic interface supports credit application processes where our merchants (Retail Sellers) are working with their consumers and helping them through the financing process.

### Classic Quick Start Guide

<Card title="UAS uPortal360 QuickStartGuideClassic" icon="file-arrow-down" href="/files/uas-uportal360-quickstartguideclassic.pdf">
  Download PDF
</Card>

### Classic Training

<Card title="Training Origination Classic RICA" icon="file-arrow-down" href="/files/training-origination-classic-rica.pdf">
  Download PDF
</Card>