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Synchrony Home Improvement

by Synchrony Financial

Last updated Mar 29, 2026 · 1 revision

Consumer financing from the HVAC industry's largest lender, serving 48,000+ contractor partners since 1998.

Synchrony Home Improvement - by Synchrony Financial - Financing Platforms software - logo 5.6 Good See breakdown →

Highlights

63 Features4 Integrations
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Media

HVAC Uncensored Talks With Amy O'Grady

HVAC Uncensored Talks With Amy O'Grady

About This Product

Synchrony offers revolving, installment, and second-look financing options purpose-built for HVAC contractors. With the industry's deepest lending experience and same-as-cash promotions, contractors partnering with Synchrony see close rates increase from 38% to 49% on financed jobs.

Capabilities

How this product is delivered and what's included out of the box.

Mobile app
Not available
Free trial
No
Free tier
No
Public API
Yes
Deployment
Cloud

FSH Score Breakdown

Ease of Use
6.0
Features
6.4
Support
6.0
Value
4.0
Integrations
8.0
AI Capabilities
1.5

Features

63 features confirmed across 10categories· Showing confirmed capabilities only

Invoicing & Payments17features

Payment ProcessingCredit cardsInvoicingReview transaction and payment historyAutomated Fee PaymentsSet up AutopayCheck Balance and Credit LimitCheck balance and credit limitConsumer FinancingPayment EstimatorInstallment LoansInstallment loansOnline Account Management for Payments and StatementsSchedule and manage paymentsProposal Creation With Integrated Financing Options33 financing promotions
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Proposal Creation With Integrated FinancingIntegrated second-look financingApple Pay IntegrationBilling History Tracking per CustomerCost of Credit CalculatorMobile Payment Terminal IntegrationPoint of SaleRevolving CreditDeposit And Milestone PaymentsPayment SchedulingPre-Qualification Without Credit Score Impact

Platform & Customization14features

Approval ManagementInstant credit decisionsBiometric App LockBiometric AuthenticationCustom BrandingCustomizable brandingOperational ToolsOperational toolsThird-Party IntegrationIntegration supportCustom API AccessIntegration support24/7 AccessAnalytics API
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Customer App SDKDeveloper PortalHelp CenterLearning CenterCustom TemplatesOperational toolsIntegrations MarketplaceSynchrony Marketplace AccessOnline Account ManagementOnline account management including payment scheduling and statement viewing

CRM & Sales10features

AI Lead ScreeningPre-qualificationContractor ProfilesPreferred contractor interfaceDownloadable Marketing AssetsDownloadable marketing assetsMarketing and Advertising Materials AccessMarketing guidesMarketing Tool LibrarySales toolsMarketing ToolsAdvertising CenterEcommerce SolutionsAuto Generated QR Codes for Pre-Qualification Forms
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Dynamic Catchment Area AnalysisInteraction HistoryTransaction History Review

Training & Education5features

Blog & ArticlesTroubleshooting articlesContractor Onboarding and TrainingContractor onboarding and trainingGuided Video Series for Financing ProcessSales & Customer RelationsSales toolsBusiness Management & OperationsBusiness insights and resources

Customer Communication4features

Chat History and SearchConsumer Self-Service PlatformClient PortalOnline account management (track activity, schedule payments, view statements)VoIP Phone SystemIntegrated Hosted Solution (IHS)

Technician Management3features

Training CoursesLearning CenterPre-Screen Surveys with Auto FilteringBiometric RecognitionBiometric Authentication

Accounting Integration3features

Corporate Card ManagementManage Synchrony issued credit cards in one placeBank ServicesAdd or delete bank accounts for paymentsAI Bill Scanningpre-fill technology

AI & Automation3features

AI Field Auto-FillPre-fill technologyAI Knowledge BaseTroubleshooting articlesAutomation RulesAdvanced features toggle

Reporting & Analytics2features

ReportingReporting toolsAnalyticsSynchrony Business Solutions Analytics

Mobile & Field Tools2features

Digital FormsDigital application processTechnician Mobile AppMobile app for iOS and Android

Integrations 4 across 2 categories

Payment Processing 3
Apple Wallet
Payzer
Synchrony Native
Field Service 1
ServiceTitan

ServiceTitan

Pricing

Model
Quote Only
Starting at
Contact for pricing
Notes
Consumer financing for HVAC purchases. Dealer/contractor programs. No direct cost to contractor — interest from consumers.

Related Products 2 across 1 category

Alternatives & Competitors

GreenSky Evidence-backed Fair
GreenSky Good match
Why these are related — sources 2
  • build-folio.com

    “Synchrony and GreenSky offer similar products with comparable fee structures (both 0-15%). Synchrony has stronger manufacturer relationships and retail partnerships, while GreenSky has broader direct contractor acceptance.”

  • reddit

    “leader is GreenSky. Offers a buy deeper Negatives are slightly expensive, rarely need proof of income, difficult to get approved FICO Service Finance probably has the most cost effective fee schedule for better plans (24month No Interest, etc. ) No Income Docs needed (normally) but they’ll only fund upon job completion….. offer a by deeper foundation finance and PowerPay : offer funding at job completion. Lower credit (down to 550/ providing income docs) EnerBank- lower fico, dti requirements, funds at end - also their plan’s begin 180 days from approval Synchrony- similar to EnerBank, but I believe offer staged funding (?)”

Service Finance Company Evidence-backed Fair
Service Finance Company, LLC Partial match
Why these are related — sources 1
  • homepros.news

    “Have used Synchrony Bank in the past with success, but it seemed like their standards for approval were higher than Service Finance.”