I have been developing a business plan for my idea for the last 18 months. Nearly all areas are covered and I hope to start soliciting investors within the next 6 months.

One remaining grey area for me is in regards to consumer level financing.
I am wondering if anyone can give some advice on the subject based on the below information.

Without giving too much details:
- The business would be billed as a recurring monthly service for a fixed term (i.e. 60 months).
- In order to control cash flow, I would need to collect the entire financed amount at one time rather than spread over the 60 month term.
- Rather than managing the collections internally, I want to involve the services of a financial institute to buy my receivables and manage the collections on their own. Invoice Factoring would work, but not for the long terms of contract I am looking at.
- This works similar to a car dealership in the since that they are paid immediately by the bank, rather than collecting installments only as the buyers make their payments. The complication is that there will not be ANY asset to use as collateral, only the individual buyer's personal credit to fulfill the term of the contract.

Does anyone know how to learn more about this type of consumer financing?

Thank you,