Payments Alone No Longer Cut It for Small Businesses

Synchrony is launching a three-part interview series aimed at a central challenge facing small businesses: how to grow sales without putting more pressure on margins or adding friction for customers.

Titled “Small Business. Big Advantage,” the series will look at how flexible payment options, modern credit tools and data-driven decisioning can help small- to medium-sized businesses (SMBs) strengthen operations and improve results.

The series will pair a Synchrony executive with a small business leader in each episode. The goal is to show how payment and financing tools are being used in practical ways by merchants who want to convert more shoppers and create smoother buying experiences. At the center of the series is Synchrony’s view that financing is no longer just a back-end function. It is becoming part of how businesses compete at the point of sale and beyond.

The first episode, “Choice at Checkout: Turning Flexible Payments Into Growth,” focuses on the purchase moment itself. The discussion will examine how options such as pay-in-4, pay monthly, promotional financing and card-based offers can help reduce sticker shock, lift close rates and raise average ticket size.

Synchrony’s position is that financing works best when it is built into checkout strategy rather than treated as an afterthought. For small businesses, that can turn payment choice into a measurable revenue tool instead of a last-minute add-on.

The second episode, “Flexible Credit, Stronger Growth: How Small Businesses Can Turn Payment Choice Into Advantage,” widens the lens to the broader pressures facing SMBs, including health and wellness providers.

The conversation will explore how tools such as credit cards, installment lending and platforms such as independent software vendors (ISVs) can help smaller merchants and providers remove barriers and deepen customer ties. The business case is simple: giving customers and patients more ways to pay can make larger expenses feel more manageable while helping merchants stand out in crowded markets. Synchrony’s view is that payment flexibility has become a competitive asset for businesses that want to match the capabilities consumers often expect from larger brands.

The third episode, “Smarter Yeses: How Better Data Can Help Small Businesses Win More Customers,” turns to approval and decisioning. The episode is built around a practical challenge for merchants: how to help more customers say yes without adding complexity to the shopping experience.

It will look at how better data and tools such as Synchrony PRISM, its propriety credit decisioning platform, can help businesses surface financing options earlier in the customer journey, reduce missed sales and support more confident credit decisions. Rather than frame artificial intelligence as a technology story on its own, the episode ties it to business outcomes such as smoother checkout, better approvals and more precise growth.

Taken together, the series makes a broader argument about where small business commerce is headed.

Synchrony is positioning flexible payments, credit access and smarter decisioning as tools that can help SMBs compete more effectively in a market where customer expectations are rising and merchants need every advantage they can get. The series is designed to show that, for many small businesses, the right payment strategy is no longer just about processing transactions. It is about creating more opportunities to help get customers to “yes.”