Versatile Credit

“We invest millions of dollars to create an experience when a guest comes into the store, and there's one thing that kills the experience — it doesn’t matter how much effort you put in it or how much money you spend, and that’s anxiety or stress,” said Shawn Roberts, VP of Finance at the Dufresne Spencer Group. “We teach it and we coach […] experiential financing versus transactional financing. Experiential financing is getting them approved early in the experience. And the reason being is, every guest comes through the door they have this hidden anxiety meter that you can't see, but it's there, and that anxiety meter is very high. […] It doesn't matter how much you spend on the experience, if you can say the words to her ‘Congratulations, you're approved.’ that anxiety meter goes [down].” “A couple of great things come from that, if you can embrace experiential financing. One, you take the anxiety away. Number two […] you get to stop talking about stressful price and start talking about payment […] you've established what their buying power is.” Versatile Credit's CEO Ed O'Donnell recently joined industry leaders Chris Guido, Mitch Fadel, and Shawn Roberts at High Point, NC to explore the evolution of consumer financing in home furnishings, in a discussion moderated by Tom Russell, Editor-in-Chief of Home News Now. At Versatile, we empower merchants to build dynamic, multi-lender programs that seamlessly connect customers to the right financing options, quickly and effortlessly -- however they choose to shop. Our platform adapts to meet businesses where they are, integrating easily with existing tools and processes to streamline the experience for both shoppers and staff. Interested in optimizing your credit strategy and delivering a streamlined financing experience for your shoppers? Let’s connect today! #ExperientialFinancing #customerexperience #Payments #Financing #ConsumerFinance #Credit #FinTech

Merry Christmas from Versatile Credit! As we celebrate this holiday, we want to express our gratitude to our partners, merchants, and team for an incredible year. Here's to more success, collaboration, and growth in 2025 and beyond! Wishing you a joyful holiday season! #MerryChristmas #HappyHolidays #SuccessIn2025

“What we've done here at Wells is we've partnered with Versatile, and they are a longtime partner of ours. They're great partners, frankly. They innovate. They push us to be better, which I like getting pushed in the area of technology […] we want to be best in class here. What a seamless waterfall, or credit cascade — you can call whatever you want — does is, you enter that information upfront with the waterfall provider in this case, you’re talking about Versatile, […] you're going to you're going to enter all that information with them. And then you're going to check a box that says, ‘If Wells Fargo tells me no, I'm okay with this information that I just passed going to [a] secondary lender.’” As a retailer, you can kind of pick the flow that you want, and that’s okay. But the most important part is it’s seamless.” Recently, Steve Jermier of Wells Fargo joined Nationwide Marketing Group's Independent Thinking Podcast and discussed how a seamless customer experience is critical for helping merchants connect shoppers with the financing options that fit their needs. Versatile Credit empowers merchants to deliver a seamless application experience that integrates multiple lenders, including prime, near-prime, no-credit-needed, and leasing options. This approach ensures every shopper is connected to the financing options that fit their needs — without adding unnecessary friction or complexity. Want to learn more about how a seamless customer experience can drive success for your business? Reach out to Versatile Credit today! #Partnerships #Innovation #CreditStrategy #ConsumerFinance #CustomerExperience #Payments

In a recent conversation at High Point Market, Shawn Roberts of The Dufresne Spencer Group highlighted how the next generation of shoppers is transforming the way merchants think about consumer financing. “They’ve grown up, they’ve had tech in their life since the beginning, and they demand so much more from us now, which is good. [...] The last thing they want to do is fill out a piece of paper, and then who knows where that piece of paper is going to go,” said Shawn Roberts, “It's great to see the finance products begin to evolve and to adapt [...] they’re demanding, and they’re making us really come out with new, creative products that are really built for them.” At Versatile Credit, we help merchants build robust credit programs tailored to meet the needs of all shoppers, regardless of credit score or how they decide to shop, through a single, seamless application process. Our technology integrates effortlessly with your existing tools and workflows, enabling your team to confidently offer financing that works for every customer, all while providing the tools to launch and process transactions within a single, unified portal. Want to learn more about how Versatile can elevate your credit strategy? Reach out today. #Payments #CreditStrategy #ConsumerFinance #CustomerExperience #Innovation

According to the National Retail Federation (NRF), Black Friday to Cyber Monday saw record spending this year, even as the total number of shoppers declined slightly. With shifting shopping trends, it’s important for merchants to maximize every interaction. Offering seamless and inclusive payment options that fit a variety of needs and budgets is key to building a better customer experience. At Versatile Credit, we help merchants build full-spectrum financing programs tailored to meet the needs of customers across the credit spectrum. Powered by our credit cascade, our technology guides applicants through prime, near-prime, and no-credit-needed options, ensuring every shopper finds a financing solution that works for them. Our technology empowers merchants to approach consumer financing strategically, integrating seamlessly with your in-store and online tools, helping your staff deliver financing options with confidence while creating a consistent, streamlined experience for your customers. Ready to make the most of every customer interaction? Reach out to Versatile Credit today to learn how our technology, expertise, and partnerships can help you drive results. #CustomerExperience #BlackFriday #CyberMonday #Payments #FinTech #CreditStrategy

Connect with Scott Friss at Furniture Today Leadership to talk about how Versatile Credit can help you develop a full spectrum multi-lender credit strategy that drives results!

“Today’s customers want a seamless transition across multiple channels, regardless of where their shopping journey begins. They want the flexibility to shop where they want to, when they want to and how they want to, with the online experience matching the in-store experience and vice versa. Brands that can provide this level of fluidity are being rewarded with repeat sales. For Independent retailers, this shift equals opportunity. Loyalty is not a given for mass retail stores and national brands. And what’s more, these larger companies often struggle to pivot quickly with too many layers from the store level to the corporate office. Smaller, more nimble businesses that are willing and able to embrace new technologies can better position themselves to create loyal fans.” Nationwide Marketing Group recently shared some great insights on the power of customer loyalty, highlighting the importance of a consistent omnichannel experience. At Versatile Credit, we help businesses build financing programs that are available everywhere customers interact with their brand. Powered by our credit cascade, customers are seamlessly guided through prime, near-prime, and no-credit-needed options — whether they’re shopping in-store or online. Our tools integrate effortlessly into your sales processes, empowering your business to deliver financing with confidence. By offering the same comprehensive, full-spectrum financing options across all channels, every customer enjoys a seamless and consistent experience — no matter how they shop. Ready to take a strategic approach to your financing program? Reach out to Versatile to equip your business with the technology, expertise, and partnerships that will help you drive results and maximize every opportunity. #CustomerLoyalty #Omnichannel #RetailInnovation #FinTech #CreditStrategy #Payments

This Thanksgiving, we’re thankful for our incredible partners. As Black Friday and the holiday shopping season approaches, we want you to know that we’re here to support you every step of the way. We wish you success this season! From the team at Versatile Credit, Happy Thanksgiving!

“The fact that now where we've gone from a paper application process to a full-functioning, full experience, and I've got a solution regardless of what someone’s circumstances are, I love it — and the friction, although I'm never happy, I always want more friction out, it is as good as it has ever been in this business,” said Shawn Roberts, VP of Finance at the Dufresne Spencer Group, when discussing the evolution of consumer financing over the last five years. At Versatile Credit, we equip merchants with the tools to create comprehensive, full-spectrum experiences that connect customers across the credit spectrum with the financing options that meet their needs, wherever and however their buying decisions are made. By working with the processes and technology your staff and customers already know and trust, we help streamline the financing journey to create a seamless process for everyone involved. Let’s connect today to explore how a strategic approach to your consumer financing program can drive results and enhance the experience for your customers. #FinTech #CreditStrategy #ConsumerFinance #Technology #CustomerExperience #Sales

“Our partnership with Versatile strengthens our mission to support contractors and dealers with innovative, best-in-class financing solutions,” said Ryan Ahearn, SVP of Product Management at Aqua Finance, Inc. “By leveraging Versatile’s powerful platform, we can help businesses provide more financing options to their customers, even to those with less-than-perfect credit.” “Aqua’s addition to our lending network significantly bolsters our offerings, particularly in the home improvement sector, where flexible and accessible financing options are critical,” said Ed O'Donnell, CEO of Versatile Credit. “This partnership reflects our commitment to offering the best possible solutions to contractors, dealers, and their customers.” Through Versatile’s advanced multi-lender portal, contractors and businesses can initiate financing applications from any device with ease. The portal allows users to receive pre-qualified offers without a hard credit check, compare financing plans, and view monthly payments; all before submitting their application. The process continues seamlessly, with applicants able to complete required steps like providing proof of homeownership and digitally signing agreements, helping to speed up project funding. For more information about the partnership between Versatile and Aqua, check out the full press release below! #HomeImprovement #Lending #EmbeddedLending #FinTech