Point-of-sale finance company Think Smart said yesterday that it "is expecting to break even for the second half of 2012 at the net profit after tax level".The firm said in a statement that break-even "would be a significant improvement on the first half of 2012", when the company lost $1.5 million.The statement said the company expected a return to profit in 2013, based on the benefits of lease accounting, Australian growth in ThinkSmart's Fido payment plan product, UK growth, and lower fixed costs.ThinkSmart is a provider of point-of-sale financing solutions in Australia and the UK. It says its patented QuickSmart technology enables online credit approval in "just a few minutes".