Fleece is buy-now-pay-later built for an animal with no income, no thumbs, and a strong opinion about the grooming table. Four interest-free payments, drafted from the herd, whether the alpaca consents or not.
Representative example: a $600 grooming table, split into 4 payments of $150. 0% APR. Your herd is the collateral. The alpaca is the borrower. This is legal in most states.
How it works
Underwriting, autodraft, and shared liability, delivered to a paddock that has never once needed to be paid.
A proprietary creditworthiness rating for a creature that has never held a job. Built from fiber density, gait, and how long the alpaca can hold eye contact before spitting. Updated hourly. Nobody has passed the review for a mortgage yet, but the model is optimistic.
Split any purchase into four interest-free payments: hay on the 1st, hay on the 8th, hay on the 15th, and one payment drafted while the alpaca is asleep. Financeable items include mineral licks, dental floats, and a second alpaca.
Every alpaca in the paddock co-signs every other alpaca's balance. One missed payment and the whole herd's Fleece Score drops together, as a unit, standing in a line, staring at you. We call this accountability. The alpacas call it nothing, because they cannot.
From the paddock
“My alpaca financed a $600 grooming table in four payments. He has never seen the table. He does not know the table exists. His Fleece Score went up 40 points.”
“We onboarded the entire paddock in one afternoon. Nine alpacas, one shared account, zero questions asked, because they are structurally incapable of asking questions.”
“I was approved for a pay-in-four plan on a mineral lick and felt, for the first time, that a financial institution had truly seen me.”
Plans
For the alpaca just getting its financial footing.
For the alpaca ready to take on real obligations.
For the show alpaca and its financial future.
Split a grooming table into four payments, watch the Fleece Score move, and co-sign a paddock that never agreed to any of this.