Simple. Fast. Inclusive.
Our process gets your customers approved in seconds.
No paperwork, no waiting, no stress.
Simple. Fast. Inclusive.
Our process gets your customers approved in seconds.
No paperwork, no waiting, no stress.
1
Simple Customer Application
Your customer completes a quick online application right from your office, website, or over the phone. The entire process takes under 3 minutes and requires minimal information.
Mobile-friendly application works on any device
No impact on customer's credit score for pre-qualification
2
Instant Approval Decision
Our proprietary underwriting engine analyzes applications in real-time using advanced algorithms and alternative data sources. Customers receive a decision within seconds.
98% customer approval rate across all credit profiles
Multiple financing options presented to the customer
3
You Get Paid, They Get Terms
Once approved, funds are deposited directly to your business account — fast, reliable, and hassle-free. Your customer gets flexible payment terms that work for their budget. It's that simple.
Customer pays SweetPay directly over time
Full dashboard to track all applications and payouts
Why Merchants Choose Us
Benefits for Your Business
Increase Revenue
Capture sales you'd otherwise lose. Financing lets price-sensitive customers say yes — and gives you a path to bigger ticket sizes.
More Customers
Convert price-sensitive shoppers into buyers by breaking large purchases into manageable payments.
Get Paid Reliably
Get paid by SweetPay after your customer's first three on-time payments. We carry the risk from there.
Fast Setup
Go live in under 48 hours. Our team handles integration and trains your staff for free.
Any Device
Customers can apply from your office, your website, or even over the phone. Fully mobile-optimized.
Dedicated Support
Hands-on training and a real support team that knows you, your business, and your customers.
Start Approving More Customers Today
Get set up in under 48 hours with hands-on integration support.
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.