How Synchrony has helped contractors say yes to more customers since 1998

Posted on:

July 29, 2025

Synchrony gives contractors the lending options they need to say yes to more customers. Their HVACR financing programs help contractors close deals while making equipment upgrades manageable for homeowners. With deep experience in HVACR financing, Synchrony understands the seasonal demands, emergency calls, and major replacement jobs that define this business.

Serving contractors with 27 years of industry expertise

Synchrony has served the HVACR industry since 1998, developing proven lending models that help them forecast and respond to industry changes and consumer trends while providing competitive long-term solutions. Their long track record translates into concrete benefits for contractors: seamless integration into multiple independent software vendor platforms like ServiceTitan® and Payzer®, best-in-class underwriting and approval rates, preferred contractor interface, and first-rate contractor onboarding, training, and engagement.

The only provider offering complete HVACR financing flexibility

No other financial service provider in HVACR offers what Synchrony does: revolving, installment, and integrated second-look financing options. This range of choices helps contractors close more deals while giving homeowners ways to afford necessary improvements.

Curtis Howse, EVP and CEO of Home and Auto at Synchrony, explains their approach: “At Synchrony, we’re committed to creating opportunities that help businesses of all sizes grow, simplify operations, and offer innovative customer experiences.”

This philosophy drives Synchrony’s partnership with ACCA, connecting directly with HVACR professionals to support their mission of delivering exceptional service and solutions to customers.

Extensive partnerships across the industry

Across their Home Improvement contractor portfolios, Synchrony serves more than 48,000 merchant partners. They have extensive experience partnering with HVACR manufacturers, distributors, buying groups, private equity firms, and individual dealers. This experience enables their partners to confidently make decisions and create a clear roadmap for future implementations.

Innovation and growth ahead

The Synchrony team is focused on continuing to innovate and integrate new services and products into the contractor experience. They’ve also expanded their sales team to better connect with and serve partners. They look forward to partnering with ACCA and other industry leaders to help enable contractors to grow their business by using consumer financing.

Ready to get started? Visit www.SYFenroll.com to begin your journey toward partnering with Synchrony.

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Synchrony

Synchrony is a leading consumer financing company at the heart of American commerce and opportunity. From health to home, auto to retail, Synchrony products have been serving the needs of people and businesses for nearly 100 years. We provide responsible access to credit and banking products to support healthier financial lives for tens of millions of people, enabling them to access the things that matter to them.