Synchrony is a consumer bank whose HOME network and revolving credit programs let you offer homeowners promotional financing on projects. It runs at Fortune 200 scale with roughly 70 million active accounts and decades of home improvement dealer programs behind it.
In 2024 it picked up Ally Lending's point-of-sale book, bringing more home improvement merchants onto the platform. One thing to know: much of what it offers is revolving or deferred-interest credit rather than a fixed installment loan, so understand the product before you pitch it to a homeowner.
Home improvement contractors who want big-bank promotional credit behind their sales and will take the time to learn how revolving products work.
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