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.
Highlights
Media
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
Customer Reviews
Features
Invoicing & Payments14features
Show 6 more
CRM & Sales8features
Platform & Customization7features
Training & Education4features
Customer Communication3features
Mobile & Field Tools2features
Technician Management2features
Accounting Integration1feature
AI & Automation1feature
Integrations 4 across 2 categories
Payment Processing 3
Field Service 1
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
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 (?)”
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.”