For Northeast Ohio retailers and service businesses
More approvals. Bigger tickets. Financing that fits your store.
Most local stores offer financing as one lender and a link to a bank’s website. The customer who gets declined walks out, and the one who could have spent more never sees a monthly payment. We set up or tune your credit program so more customers say yes, and say yes to more.
We come to your store. No cost, no obligation, and a written one-page summary within a week.
Credit, lending and payments experience with
- Shop Your Way
- Sears
- U.S. Bank
- Ford Credit
- Rate (formerly Guaranteed Rate)
- Quicken Loans
Two ways we help
If you don’t have a real program yet
Build it
You want to offer credit but haven’t had time to work out which lenders, which terms, or how staff should present it. We build the plan and get it live.
- The right lender mix for your customers and ticket size
- One clear way for a customer to apply, in store and online
- Monthly payments on price tags and product pages
- A short script and training for your sales staff
If you already have a store card or lender
Tune it
You have a program through Synchrony, Wells Fargo, a buying group or a similar lender, set up once and left alone. We make it work harder.
- Where and when the offer appears, in store and at checkout
- Prequalification before the full application
- Your card presented ahead of pay-later apps that cost you more
- Simple tracking: applications, approvals, average ticket
How it works
- 1 · Free checkup
We visit, watch how financing is offered today, and look at your website. You get a one-page summary of what we’d change.
- 2 · A plan with a fixed price
If there’s something worth doing, we quote a fixed fee up front. No hourly billing and no surprises.
- 3 · Launch and measure
We do the setup with your lender and your staff, then we track approvals, average ticket and the share of sales financed.
A track record in credit programs
Forefront Product is a Northeast Ohio firm that builds and tunes customer financing programs. Our work is led by founder Sean McAuliffe, who has spent a decade launching and running credit programs for national brands.1
more card applications converted on a national store card program in 2025
store card and checkout program launched and live in stores
customers won back by a re-engagement program on a national mortgage platform
We’re independent. Forefront is not a lender and doesn’t sell any one lender’s product. If a lender would ever pay us for a referral, you’ll know before you decide anything.
About the firm- Furniture, mattress, appliance, flooring, jewelry
- Tires and auto service, HVAC and home improvement
- Pools, spas and outdoor
- Dental, vision and veterinary practices
For regional and national chains with a private label or co-brand card, see the Partner-Bank & Checkout Audit.
Request your free checkup.
Tell us a little about your store and we’ll reply within one business day to set a time. Forty-five minutes at your store, and you keep the one-page summary whether or not we work together.
Prefer to pick a time now? Book a call.
- Results delivered by Forefront’s founder on programs he has led for national brands. The 33% figure is a 2025 lift in card application conversion.
Results vary by category, customer mix and program design. Credit is offered by third-party lenders and is subject to their approval.