Retail Financing & Inventory Finance Programs

Financing affects both sides of your business. Your customers may need options that help them move forward with a purchase, while your business needs flexibility to stock inventory without tying up all of its available cash.

Nationwide Southwest connects independent retailers with consumer financing and inventory finance programs through established financing partners.

Financing Programs

Consumer financing and inventory financing address two different retail needs. One supports the customer purchase process, while the other helps retailers manage the cost of stocking merchandise.

Partners: Wells Fargo and Synchrony

Consumer financing gives independent retailers another way to support the purchase process when customers want payment flexibility. Through Nationwide Southwest, members can access B2C financing resources through Wells Fargo and Synchrony to bring financing into the sales conversation when it makes sense for the customer.

For retailers, the value is not just offering another payment method. It is having a financing resource available when it can help move a qualified customer closer to a purchase.


Benefits for Consumers:

Consumer financing can give eligible customers more flexibility when considering a purchase, subject to credit approval, program requirements, and applicable terms.

  • Consider higher-value purchases without paying the full cost upfront
  • Spread eligible purchase costs over time, subject to program terms
  • Choose a payment option that better fits their purchase needs


Benefits for Retailers:

For independent retailers, consumer financing gives the sales team another option when price and payment timing are part of the conversation.

  • Support qualified purchase opportunities
  • Give sales teams another option for larger-ticket purchases
  • Incorporate financing into promotional and in-store sales conversations
  • Compete more effectively when customers are comparing payment options

Partner: Wells Fargo and Northpoint

Inventory financing helps participating retailers fund inventory without committing the same amount of available cash upfront.

Designed to help retailers:

  • Bring in inventory while managing cash flow
  • Better align inventory investment with sales activity
  • Keep more cash available for other operating needs

Why Access Financing Through Nationwide Southwest

Nationwide Southwest helps independent dealers across Texas, Oklahoma, Kansas, Louisiana, and New Mexico connect with established financing partners and programs designed around retail business needs.

Established Financing Partners

Access financing resources through partners such as Wells Fargo and Northpoint, subject to individual program requirements and eligibility.

Built for Independent Retailers

Financing resources are selected with independent dealers' and retailers' needs in mind.

More Business Resources

Financing is one part of the broader vendor programs, marketing support, education, events, and other resources available through Nationwide Southwest membership.

Financing FAQs

What are consumer financing programs for retailers?

Consumer financing programs give participating retailers a way to offer financing to qualified customers as part of the purchase process. Nationwide Southwest members can access consumer financing resources through Wells Fargo and Synchrony, subject to applicable program requirements and terms.

Inventory financing helps retailers fund merchandise inventory rather than paying the entire cost from available cash upfront. Nationwide Southwest works with Wells Fargo and Northpoint as an inventory finance partner.

Financing resources are available through Nationwide Southwest membership, with participation subject to the requirements and eligibility standards of each financing partner or program.

No. Members can explore the financing resources that fit their business, subject to individual program requirements and availability. 

No. Nationwide Southwest is a buying and marketing group, not a lender. It connects members with financing partners and programs available through the group.

Ready to Take the Next Step?

Connect with Nationwide Southwest to explore consumer and inventory financing programs available through membership and find the options that make sense for your business.