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.

Consumer Financing

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

Inventory Financing

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.

Buying Power FAQs

How can a buying group help independent retailers protect margins?

A buying group combines the purchasing strength of independent businesses, helping members access vendor programs, brands, and distribution resources.

Group programs and vendor relationships can give retailers more ways to manage purchasing costs and make informed buying decisions.

Nationwide Southwest supports independent dealers across appliances, furniture, bedding, electronics, flooring, outdoor living, rent-to-own, home improvement, custom integration, and related categories.

Nationwide eXchange connects members with 18 distribution partners, 200+ distribution centers, and 30+ on-site pickup locations.

No. Members can choose the programs and partners that make sense for their business. Each membership is custom-tailored to the needs of the independent member. 

Ready to Take the Next Step?

Connect with Nationwide Southwest to explore the programs, categories, and support that fit your business goals.