CommunityLend, a Canadian firm, has developed a platform that allows businesses to make loans to customers at the point of sale--basically, allowing the customer to pay over time with interest. Called FinanceIt, the service lets the customer apply online and get approval within a minute or two. The service itself is free; interest rates on the loan run between 7 and 13 percent, according to the FinanceIt site. The service so far is primarily working with verticals, such as home repair.

Nonprofits have special financial needs--most notably the ability to accept and properly process donations--that conventional accounting software and services don't always address in a comprehensive manner. Billhighway offers charitable organizations, churches, schools and the likea full range of cloud-based financial management services, including a soon-to-be launched mobile donation app. Pricing is customized to the organization's needs.