Internal Funding. This name: what is it? In-House Financing: Purchasing Products or Services: "In-house financing" is an alternative lending scheme in which a store provides a borrower a loan to be used to acquire products or services. Before offering in-house financing, retailers must have a well-established lending organization as part of their retail infrastructure. The client makes an initial payment to begin the loan. When we talk about "in-house financing," we mean the process by which a seller makes a loan without the use of banks, credit unions, or other types of credit organizations. To put it another way, it...