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Certified Retailer Program

At SeaCoast Financial, we’re committed to fostering strong partnerships with reputable retailers to offer fast and convenient consumer financing solutions. Our Certified Retailer Program is designed to empower your business by providing your customers with accessible loan options, enhancing their purchasing power and your sales potential.

What is a Certified Retailer?

A Certified Retailer with SeaCoast Financial is a business that has been vetted and approved to offer our consumer loan products directly to their customers. This certification signifies a retailer’s credibility and commitment to providing flexible financing options, making big purchases more accessible to consumers.

Certified Retailer Benefits:

Certification Recognition

Receive a certification notification and official SeaCoast Financial decals to display at your business locations, signaling to customers that convenient financing options are available.

Easy Application

Utilize custom QR codes provided by SeaCoast Financial, allowing customers to easily apply for loans and identify your store as the retailer.

Direct Funding

Upon loan approval, funds are transferred directly to you, the retailer, ensuring the sale is secured and reducing friction.

Annual Incentives

Earn 1% of the collected loan balances generated under your certification, rewarding your business's role in facilitating loans.

Easy Application

SeaCoast Financial provides ongoing support and resources to ensure the success of our Certified Retailers.

How to Apply as a Retailer:

  1. Online Application: Begin by submitting an online application through our dedicated retailer portal. The application process is straightforward, designed to gather essential information about your business and its eligibility.

  2. Certification Review: Our team will review your application to ensure compliance with our standards. Retailers that meet our criteria will be notified of their certification status.

  3. Welcome Kit: Once certified, you’ll receive a welcome kit containing your certification notification, promotional decals, and QR codes tailored to your business, ensuring a smooth integration of our financing options into your sales process.

  4. Annual Review: To maintain the integrity of our program, SeaCoast Financial conducts annual reviews of each Certified Retailer to ensure ongoing compliance and performance standards are met.

Maximizing Your Certification:

  • Custom Loan Amounts:¬†During the certification process, the maximum loan amounts available to your customers will be determined, tailored to suit the needs of your business and clientele.
  • Independent Certifications: Each certification is unique to the specific retailer, ensuring a personalized approach to your financing offerings
  • Marketing Support: Leverage SeaCoast Financial’s marketing materials and digital assets to promote the financing options available at your store. This includes online banners, in-store posters, and social media content to help you reach a wider audience and drive sales.

Join The SeaCoast Team Today!

Embrace the opportunity to enhance your business’s value proposition by offering tailored consumer financing solutions through SeaCoast Financial’s Certified Retailer Program. Apply today to take the first step towards becoming a partner in financial empowerment.

Certified Retailer Program Application
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Personal Information

Company Address
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Trade References

Consent and Agreement

Certified Retailer Program Terms and Conditions


These Terms and Conditions govern the participation of retailers ("Retailer" or "You") in the Certified Retailer Program ("Program") offered by SeaCoast Financial ("SeaCoast," "We," "Us," or "Our"), a financial services entity operating under the laws of the State of South Carolina. By applying for and participating in the Program, You agree to comply with these Terms and Conditions.


  1. Business Entity: Retailers must be legally recognized business entities in good standing, with the authority to conduct business in their state.

  2. Application: Retailers must complete the Program application process and provide all required documentation as requested by SeaCoast.

  3. Approval: Retailer participation is subject to SeaCoast's approval, at its sole discretion, based on criteria including but not limited to business credibility, financial health, and market reputation.

Program Participation

  1. Certification: Upon approval, Retailers will receive certification, valid for one year from the date of issuance, subject to annual review and renewal at SeaCoast's discretion.

  2. Decals and QR Codes: Certified Retailers will be provided SeaCoast decals and QR codes for display and use in promoting the Program to consumers.

  3. Loan Transactions: Retailers will facilitate consumer loan applications using SeaCoast's platform. Loan approval and funding are at the sole discretion of SeaCoast.

  4. Incentives: Retailers will earn incentives as outlined in the Program, subject to change at SeaCoast's discretion.


  1. Compliance: Retailers must comply with all applicable federal, state, and local laws, including consumer protection and finance laws.

  2. Training: Retailers are responsible for ensuring their staff are adequately trained and informed about the Program and SeaCoast's products.

  3. Promotion: Retailers agree to promote the Program consistent with SeaCoast's guidelines and ethical marketing practices.


  1. By SeaCoast: SeaCoast may terminate a Retailer's participation in the Program at any time, with or without cause, upon providing written notice.

  2. By Retailer: Retailers may terminate their participation in the Program with thirty (30) days' written notice to SeaCoast.

  3. Effect of Termination: Upon termination, Retailers must immediately cease using all Program materials and return any property belonging to SeaCoast.


Retailers agree to indemnify and hold harmless SeaCoast, its affiliates, officers, agents, and employees from any claim, demand, loss, liability, or expense arising out of or in connection with the Retailer's participation in the Program.

Governing Law

These Terms and Conditions shall be governed by and construed by the laws of the State of South Carolina without giving effect to any choice or conflict of law provision or rule.

Dispute Resolution

Any disputes arising under or in connection with these Terms and Conditions shall be resolved through binding arbitration by the rules of the American Arbitration Association, conducted in South Carolina.


SeaCoast reserves the right to amend these Terms and Conditions at any time. Continued participation in the Program following any changes constitutes acceptance of the new terms.

Entire Agreement

These Terms and Conditions constitute the entire agreement between SeaCoast and the Retailer regarding the Program and supersede all prior agreements and understandings, whether written or oral.


By participating in the Certified Retailer Program, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.
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