Consumer Financing
Has Never Been Sweeter

SweetPay’s pedigree speaks for itself. We’ve helped thousands of merchants, contractors, medical practices, and educators offer a more effective pay-over-time option to consumers with and without good credit.

Consumer Financing
Has Never Been
Sweeter

SweetPay’s pedigree speaks for itself. We’ve helped thousands of merchants, contractors, medical practices, and educators offer a more effective pay-over-time option to consumers with and without good credit.

Founded on leading industry expertise and experience

Tried, True, Trusted

15+

Year History

Creating fintech innovations, integrating leading consumer lenders, and partnering with merchants across numerous industries.

$3+Billion

In Loan Volume

Generated across founders’ various platforms over a 15+ year history.

30+

Lender Partnerships

Prime, near-prime, and sub-prime lenders have integrated into the founders’ platforms.

2000+

Merchant Partners

Vendors, contractors, medical providers, and educators have used founders’ lending solutions.

SweetPay has programs for all business types, regardless of size, industry, or time in business

Financing that fits your business

A Pay-over-time

Game changer

SweetPay Installments is a merchant-based lending program that provides less-than-prime credit customers a fair, easy, and predictable pay-over-time option. Using SweetPay Installments, merchants can say “yes” to financing more sales without the hassle, cost, and complexity of traditional lender financing. The program is completely automated, fully compliant, and 100% serviced by SweetPay.

Founded on leading industry expertise and experience

Tried, True, Trusted

15+

Year History

Creating fintech innovations, integrating leading consumer lenders, and partnering with merchants across numerous industries.

3+Billion

In Loan Volume

Generated across founders’ various platforms over a 15+ year history.

30+

Lender Partnerships

Prime, near-prime, and sub-prime lenders have integrated into the founders’ platforms.

2000+

Merchant Partners

Vendors, contractors, medical providers, and educators have used founders’ lending solutions.

SweetPay has programs for all business types, regardless of size, industry, or time in business

Financing that fits your business

A Pay-over-time

Game changer

SweetPay Installments is a merchant-based lending program that provides less-than-prime credit customers a fair, easy, and predictable pay-over-time option. Using SweetPay Installments, merchants can say “yes” to financing more sales without the hassle, cost, and complexity of traditional lender financing. The program is completely automated, fully compliant, and 100% serviced by SweetPay.

Fully Automated

From application and contract creation through e-signing and payment servicing, SweetPay Installments is fully automated.

Fair Terms

Sub-prime credit terms can be onerous. If your customer doesn’t like their initial lending options, you can still offer fair terms with a payment plan that benefits everyone.

Save the Sale

Businesses collect, on average, 90+% of the original invoice. This means you take on minimum risk to ensure you capture every sale.

Our business desperately needed a financing opportunity for our customers that was seamless and easy to understand. SweetPay was the turnkey solution we were looking for. It’s been a game changer for our business and our growth reflects that.”

Lynn Comer,
SuperVision180

Fully Automated

From application and contract creation through e-signing and payment servicing, SweetPay Installments is fully automated.

Fair Terms

Sub-prime credit terms can be onerous. If your customer doesn’t like their initial lending options, you can still offer fair terms with a payment plan that benefits everyone.

Save the Sale

Businesses collect, on average, 90+% of the original invoice. This means you take on minimum risk to ensure you capture every sale.

Our business desperately needed a financing opportunity for our customers that was seamless and easy to understand. SweetPay was the turnkey solution we were looking for. It’s been a game changer for our business and our growth reflects that.”

Lynn Conner, SuperVision180

Direct-to-Merchant Financing

Consumer Funding

At Their Fingertips

SweetPay offers Direct-to-Merchant financing to home improvement contractors, elective medical providers, and select retailers. Using “The Power of Prequal”, SweetPay leverages its integrated relationship with Transunion to quickly identify the best lending option using just the consumer’s basic contact information.

The application is a waterfall process spanning prime, near-prime, and sub-prime credits, which enables SweetPay partner businesses to be efficient and effective through the financing process. Consumers get the best possible terms and merchants minimize their cost while ensuring a sale.

DTM section image
DTM Financing Program Image

Direct-to-Merchant Financing

Consumer Funding

At their fingertips

SweetPay offers Direct-to-Merchant financing to home improvement contractors, elective medical providers, and select retailers. Using “The Power of Prequal”, SweetPay leverages its integrated relationship with Transunion to quickly identify the best lending option using just the consumer’s basic contact information.

The application is a waterfall process spanning prime, near-prime, and sub-prime credits, which enables SweetPay partner businesses to be efficient and effective through the financing process. Consumers get the best possible terms and merchants minimize their cost while ensuring a sale.

The Power of Prequal

Your business can add a QR code to its website, digital ads, and/or print ads to generate prequalification. With just name, address, email and phone, your customer can get prequalified instantly and you are immediately notified!

Streamlined Application

You and your customer get a fast, easy, and intuitive process while also receiving SweetPay’s “white glove” treatment, so that you never have to worry about financing a sale.

Credit Inclusive

About 50% of the U.S. population has less-than-prime credit. SweetPay’s platform ensures that fair and reasonable lending options exist for those less fortunate.

“Before SweetPay, we dreaded offering financing because of the laborious process. Now both our staff and clients appreciate the easy-to-use link and fast response times. SweetPay has become another asset on our sales floor.

Robert Greer, Melancon Jewelers

The Power of Prequal

Your business can add a QR code to its website, digital ads, and/or print ads to generate prequalification. With just name, address, email and phone, your customer can get prequalified instantly and you are immediately notified!

Streamlined Application

You and your customer get a fast, easy, and intuitive process while also receiving SweetPay’s “white glove” treatment, so that you never have to worry about financing a sale.

Credit Inclusive

About 50% of the U.S. population has less-than-prime credit. SweetPay’s platform ensures that fair and reasonable lending options exist for those less fortunate.

“Before SweetPay, we dreaded offering financing because of the laborious process. Now both our staff and clients appreciate the easy-to-use link and fast response times. SweetPay has become another asset on our sales floor.

Robert Greer,
Melancon Jewelers

Direct-to-Consumer Financing

Consumer-Driven

Multi-credit Financing

Offering a way for consumers to pay-over-time is crucial to being competitive. But, for many businesses, the options are limited, costly, and can be a hassle. Luckily, SweetPay Direct-to-Consumer Financing is an easy and cost-effective solution for businesses of any size or longevity!

Direct-to-Consumer Financing

Consumer-Driven

Multi-credit Financing

Offering a way for consumers to pay-over-time is crucial to being competitive. But, for many businesses, the options are limited, costly, and can be a hassle. Luckily, SweetPay Direct-to-Consumer Financing is an easy and cost-effective solution for businesses of any size or longevity!

Easy Application

Consumers can apply directly from your website or at your place of business using their smartphone.

SweetPay Assist

SweetPay’s team provides customer white-glove customer service to customers and merchants, helping them through the loan process.

Inclusive

SweetPay’s streamlined application is integrated with multiple lenders, providing multiple loan options for your customers to select from based on their individual credit profile. They can check offers with no impact on their credit score.

“We’ve had a fantastic experience with the SweetPay platform. Our customers love it too, especially having the ability to get an estimate of their monthly payments without any credit pulls. Integrating SweetPay into our online experience was easy to do. We recommend it!”

Mayur Patel, OxyHealth

Easy Application

Consumers can apply directly from your website or at your place of business using their smartphone.

SweetPay Assist

SweetPay’s team provides customer white-glove customer service to customers and merchants, helping them through the loan process.

Inclusive

SweetPay’s streamlined application is integrated with multiple lenders, providing multiple loan options for your customers to select from based on their individual credit profile. They can check offers with no impact on their credit score.

“We’ve had a fantastic experience with the SweetPay platform. Our customers love it too, especially having the ability to get an estimate of their monthly payments without any credit pulls. Integrating SweetPay into our online experience was easy to do. We recommend it!”

Oxyhealth
Mayur Patel, OxyHealth

Furthering education, getting a pet, or receiving elective medical services shouldn’t be exclusive to those with good credit

Why Customers Love SweetPay

“I was able to get a certification in Medical Billing and Coding because of SweetPay. It was a fast and easy transaction. Thank you very much, SweetPay!”

-Nomielle P.

“The SweetPay experience was fantastic. Setup was easy. One of the agents reached out to me to ensure I understood everything as well. I would highly recommend.”

-Amber S.

“I was in need of a medical device and Sweet Pay helped me obtain the funds! Customer service was excellent. I would gladly recommend Sweet Pay to my family and friends!”

-Scott R.

“I decided to buy some new camera equipment and SweetPay made it simple to apply and get a competitive loan fast. I now have the equipment I need. I highly recommend using SweetPay!”

-Dysheen D.

“SweetPay is awesome! I couldn’t get any help for my pet from Care Credit but SweetPay had tons of offers for me and you guys really saved the day!”

-Taylor S.

“Thank you SweetPay for going above and beyond with my engagement ring purchase from Browne’s Jewelers! I couldn’t have gotten through the financing without your amazing, kind staff. SweetPay is Amazing!”

-Modesto M.

Furthering education, getting a pet, or receiving elective medical services shouldn’t be exclusive to those with good credit

Why Customers Love SweetPay

“I was able to get a certification in Medical Billing and Coding because of SweetPay. It was a fast and easy transaction. Thank you very much, SweetPay!”

-Nomielle P.

“The SweetPay experience was fantastic. Setup was easy. One of the agents reached out to me to ensure I understood everything as well. I would highly recommend.”

-Amber S.

“I was in need of a medical device and Sweet Pay helped me obtain the funds! Customer service was excellent. I would gladly recommend Sweet Pay to my family and friends!”

-Scott R.

“I decided to buy some new camera equipment and SweetPay made it simple to apply and get a competitive loan fast. I now have the equipment I need. I highly recommend using SweetPay!”

-Dysheen D.

“SweetPay is awesome! I couldn’t get any help for my pet from Care Credit but SweetPay had tons of offers for me and you guys really saved the day!”

-Taylor S.

“Thank you SweetPay for going above and beyond with my engagement ring purchase from Browne’s Jewelers! I couldn’t have gotten through the financing without your amazing, kind staff. SweetPay is Amazing!”

-Modesto M.

Furthering education, having a home repaired, or receiving elective medical services shouldn’t be exclusive to those with good credit

Industries that find success with SweetPay

Education
Home Improvement
Pets
Jewelry
Elective Medical
Automotive
Elder Care
Portraiture

Furthering education, having a home repaired, or receiving elective medical services shouldn’t be exclusive to only those with good credit

Industries That Find Success With SweetPay

Education
Home Improvement
Pets
Jewelry
Elective Medical
Automotive
Elder Care
Portraiture

SweetPay makes merchants’ selling power easy and affordable

SweetPay Merchant Testimonials

Anthony Marinaccio

Coach Anthony

“SweetPay has been one of the best partners for my business. They have allowed me to focus on my business and to not worry about financing and payments. Their seamless process, detailed reporting, and attention to detail has been extremely helpful.”

Steven Gabbard

Contractor Foreman

“We are excited to partner with SweetPay and offer our customers clients affordable financing options that help them keep their cash on-hand or even increase the scope of their project.”

Feleshia Sams

Academy of Advanced Cosmetics

“Really simple and easy to use. Offering this financing option has increased our volume of students. I would definitely recommend SweetPay!”

Chris M.

Enchanted fairies

“We have been extremely satisfied with the level of service and support SweetPay provides. Their team was able to quickly understand our needs and tailor a financing solution to fit our business and customer base. Highly recommended.”

Tenielle Powers

BrowBeat

“Offering finance to our students has literally taken our business to a new level. The Sweetpay staff have been so hands-on on our journey to learn how offering installment plans works. Their attention has been so fantastic. Not only do they help you explain it to your customers, they help you sell it too. I absolutely recommend”

Paige Whiteman

Next Level Coaching Academy

“Next Level Coaching Academy has successfully used SweetPay’s platform and lending options with our clients. We would recommend SweetPay to anyone looking to broaden their financing opportunities.”

Rebecca Zimmerman

Tesla BioHealing

“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.”

Emma Grant

Grasshopper Irrigation

“Sweetpay has been an incredible option for some of our customers who need the flexibility of lending for their landscaping projects. The SweetPay team has been an absolute dream to work with. Could not recommend this company enough!”

Britney Lippke

Koba’s Four Paws

“Thank you SweetPay! I’m so glad I took the leap and signed up for SweetPay. You guys have been so much help and I absolutely appreciate everything!”

Mallory Parkington

Mallory Portraits

We are very pleased with the service SweetPay has provided. Since we joined, we have been able to provide 20 families with heirloom portraits. It’s an effortless solution for our financing needs and we highly recommend them!

SweetPay makes merchants’ selling power easy and affordable

SweetPay Merchant Testimonials

Feleshia Sams

Academy of Advanced Cosmetics

“Really simple and easy to use. Offering this financing option has increased our volume of students. I would definitely recommend SweetPay!”

Chris M.

Enchanted fairies

“We have been extremely satisfied with the level of service and support SweetPay provides. Their team was able to quickly understand our needs and tailor a financing solution to fit our business and customer base. Highly recommended.”

Anthony Marinaccio

Coach Anthony

“SweetPay has been one of the best partners for my business. They have allowed me to focus on my business and to not worry about financing and payments. Their seamless process, detailed reporting, and attention to detail has been extremely helpful.”

Paige Whiteman

Next Level Coaching Academy

“Next Level Coaching Academy has successfully used SweetPay’s platform and lending options with our clients. We would recommend SweetPay to anyone looking to broaden their financing opportunities.”

Rebecca Zimmerman

Tesla BioHealing

“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.”

Emma Grant

Grasshopper Irrigation

“Sweetpay has been an incredible option for some of our customers who need the flexibility of lending for their landscaping projects. The SweetPay team has been an absolute dream to work with. Could not recommend this company enough!”

Mallory Parkington

Mallory Portraits

We are very pleased with the service SweetPay has provided. Since we joined, we have been able to provide 20 families with heirloom portraits. It’s an effortless solution for our financing needs and we highly recommend them!

Steven Gabbard

Contractor Foreman

“We are excited to partner with SweetPay and offer our customers clients affordable financing options that help them keep their cash on-hand or even increase the scope of their project.”

Join the SweetPay family

Ready to Become a SweetPay merchant Partner?

Trusted

Our lenders are top rated with competitive rates.

Secure

Our application is hosted on a highly secure platform.

Inclusive

Our lenders provide offers for most credit scores.

Easy

Streamlined application with no initial impact on credit.

Join the SweetPay family

Ready to Become a SweetPay merchant Partner?

Trusted

Our lenders are top rated with competitive rates.

Secure

Our application is hosted on a highly secure platform.

Inclusive

Our lenders provide offers for most credit scores.

Easy

Streamlined application with no initial impact on credit.