Every customer approved.
Every sale captured.
SweetPay is the point-of-sale financing partner that helps merchants say yes to every customer.
You've got this!
Every customer approved.
Every sale captured.
SweetPay is the point-of-sale financing partner that helps merchants say yes to every customer.
You've got this!
OUR EXPERIENCE
20+
Years Helping Merchants Say Yes
$3B+
in Customer Purchases Funded
2,000+
Merchants Onboarded
OUR APPROACH
Financing for Every Customer
SweetPay says yes when others don't. Our platform spans the full credit spectrum — from prime to deep subprime, even thin-file and no-file customers — so every customer has a way to pay over time.
Approve customers other lenders deny
Our lending network reaches deep subprime, thin-file, and no-file customers — on terms that stay fair to the borrower. Capture sales you'd otherwise lose while putting your brand behind financing built to treat customers right.
Customers check offers risk-free
Customers see real offers without impacting their credit score — so there's no reason to hesitate. More customers ask, more customers qualify, more sales close.
One application. No bouncing customers between sites
Customers apply once and see every offer they qualify for across our lending network. No sending them off to shop other sites, no losing them to distraction — they stay at your point of sale, ready to close.
OUR PROCESS
How SweetPay Works
Simple to set up. Easier to use. Built for the way you sell.
Apply with SweetPay
Tell us about your business. Merchants are approved in days, not weeks.
Onboard with our team
We'll handle the setup, training your team to confidently offer financing at the point of sale.
Your customers apply
A fast, mobile-friendly application takes minutes. Soft credit check. Instant offers.
You close the sale
Customer signs up for the financing. Merchant gets paid. Customer pays us over time.
Where we work best
Industries We Serve
From medical practices to trade schools, we help businesses make what they offer affordable for every customer they serve.
Medical Billing & Coding Academies
Make professional certification programs accessible to more students.
Tax Resolution
Help clients afford the cost of resolving their tax debt.
Elective Medical
Give patients flexible payment options for elective procedures.
Trade Schools
Enable students to enroll in vocational programs without upfront costs.
Med Spas
Let clients finance aesthetic treatments and wellness packages.
Pets & Veterinary
Help pet owners afford the care their animals need.
Assisted Living / Elder Care
Support families navigating the cost of senior care.
Portraiture & Photography
Make professional portrait sessions accessible to every client.
FROM OUR PARTNERS
What Our Merchant Partners Are Saying
We've had dozens of new customers financed in the few months since starting with SweetPay! The SweetPay team is very responsive, quick, and professional and will work hard with you to ensure that your needs are being met.
Rebecca Zimmerman
Tesla BioHealing
As a small business owner, I knew that offering a financing option would be a great way to help my business to grow. SweetPay made the process incredibly simple and easy to use. Since implementing this option, we’ve seen an increase in our student enrollment.
Tiffany Haskins
Simply Coding Academy
Since signing up with SweetPay, we’ve been able to provide 20 families with heirloom portraits — families we wouldn’t have been able to serve otherwise. SweetPay has been an effortless solution for our financing needs, and we highly recommend them.
Mallory Parkington
Mallory Portraits
OUR DIFFERENCE
Why Merchants Choose SweetPay
Peace of mind
We're not just another platform touting benefits. SweetPay has a long history in consumer finance and is a trusted partner to thousands of merchants nationwide.
Enable every customer
Be ready to say 'yes' to every customer's payment needs — across the full credit spectrum, with terms they can actually afford.
Stop managing financing
One application. One platform. One team that handles the work so you can focus on your business.
White glove treatment
SweetPay stands by your side to make sure your financing experience is quick, easy, and supported by a team that knows your business.
Ready to say yes to every customer?
Join the rapidly growing list of merchants who benefit from SweetPay.
Or call us directly: (833) 677-9338
Consumer financing solutions that help
merchants say yes to every customer — across
every credit profile, in every industry we serve.
COMPANY
SweetPay is a financial technology platform and achieves its ability to approve all customers through a combination of SweetPay financing and other finance companies on the SweetPay platform. SweetPay's ability to approve everyone may not be available in certain states and in certain industries.
SweetPay LLC is licensed by the California Commissioner of Business Oversight (California Finance Law license #60DBO 94129). Copyright © 2026 SweetPay LLC. All rights reserved.