Help boost sales by offering customer financing

As a leading financing provider, we help small and large businesses offer flexible payment options that can help drive traffic, increase sales and improve cash flow.

Get started today

Provide a few quick details and we’ll give you a call to discuss your consumer financing needs.

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COMPANY NAME*

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INDUSTRY*

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One of our consumer financing specialists will be in touch soon to learn more about your business—and show you how Synchrony can help you grow it.

In the meantime, we invite you to browse the latest news, industry-specific perspectives and research on purchasing trends.

BUSINESS INSIGHTS

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Business is better when you offer consumer financing

Help improve cash flow
Synchrony makes collecting payments worry-free. Get paid upfront and fast (within two business days). We handle collecting customer payments so there's less risk to your business from default or fraud.
Help increase sales and customer satisfaction
Help your customers get more of what they want, when they want it. By offering flexible payment options, you can turn more browsers into buyers.
Provide a simple, fast application
In-store or online, Synchrony streamlines the credit application process. It's quick and simple, and your customer gets a credit decision instantly.

By the numbers

Our consumer study shows the following:

Consumers want financing50% of major purchase shoppers say recent price increases caused them to seek financing options (63% for customers ages 21-39).

Consumers spend more to get what they want37% of major purchase shoppers with a Synchrony credit card spend more because they chose a higher-quality product.

Increase customer loyalty85% of consumers say they will shop more often after having a store credit card.

Ninth Annual Major Purchase Study, 2023

What you can expect

Choice of revolving credit cards, installment loans or both
Flexible financing terms to best fit your customers
Free customized marketing collateral
One-stop-shop integration for transactions, reports and more
On-demand training for you and your employees
Fast and easy customer application process

Here’s how financing works with Synchrony

EnrollCall us at 1-844-866-8014 or and we’ll call you.

Set upRegister in Business Center to select offer terms, process credit applications, sales transactions and reporting.

Customer applicationsYour customers will be able to apply from their own device and get a decision right away.

PaymentWe pay you within 2 business days after the sale closes. We handle customer payment collection.

Financing solutions that fit your business

Your consumer financing program should benefit both your customers and your bottom line. We can help you choose the financing solutions that work best for your business.

Credit Cards

Help increase your customers' purchasing power with a card they can use again and again.

Loans

Help your customer plan their finances with our convenient installment loan options.

eCommerce Solutions

Offer customers a seamless payment experience with leading eCommerce platform integrations. Explore eCommerce

No matter your industry, we're here for you

We work with national retailers and small local businesses, manufacturers and buying groups, industry associates and service providers across a wide variety of industries and markets:

Automotive
Electronics & Appliances
Flooring
Hardware
Health & Wellness
Heating & Air Conditioning
Home Furnishings
Home Improvement
Jewelry
Music
Outdoor Power Equipment
Powersports
Sewing & Vacuums
Sporting Goods
Trailers

See our featured Success Story

Partner testimonials

People love working with us — but don't just take our word for it. See what they have to say.

“Working with Synchrony, now more of my customers can afford doing their project”
Tabla Supply
Home Furnishings
“It’s a big investment, when we offer financing, there is an option; they don't have to shell out that much money in one go”
Boerne AC
Heating & Air Conditioning
“The ability to finance for the consumer, it helps them stretch their spending capability. And then for the business, well, it gets back to small businesses and Main Street America it really keeps us up and running.”
Aurora Sewing
Sewing
“Having finance and having Synchrony on our side has definitely increased our sales as a business. Not only does it help our customers have more options, but it gives us a sense of security.”
Jalisco Jewelers
Jewelry

FAQs

Have questions? We have answers.

How and when do I get paid?

Synchrony will fund your account within two business days after the transaction is complete.

Who handles customer payments?

We do. Customers may pay their account online, through the mail or over the phone to Synchrony.

What hardware or software do I need to process sales and applications?

No additional hardware or software is needed. You’ll register in Synchrony’s Business Center, an online web-based platform, where you will process applications and sales, access reporting and exclusive tools and resources all on one platform.

How much does it cost to offer consumer financing?

Your pricing is based on the financing promotions you choose to offer your customers.

Succeed with us - it’s simple.

Fill out the form below to get started. Our team will contact you within one business day and work with you to create a plan for success.

Already enrolled?
Sign in to Business Center or call 1-800-333-1082.

Interested in enrolling?
Fill out the form or call 1-844-866-8014.

Want to learn more?
To explore what it's like to offer financing with us, please call 1-844-866-8014.