App-Only Financing as a Client Retention Strategy
Stat of the day: 73% of businesses using app-only, small-ticket financing return to the same broker within 12 months.
- Compare that to apps requiring bank statements or detailed financials, which inspire just 44% returns.
What it means for brokers: App-only deals aren’t just quick wins—they’re relationship builders that nurture reliable repeat business and growing transaction sizes over time.
Dig deeper: What brings these clients back?
- Simplicity builds loyalty: 82% of small businesses cite speed and simplicity—not rate—as the primary reason they stick with a broker for app-only, small-ticket financing.
- Deal sizes grow over time: 59% of returning customers increase transaction amounts on subsequent deals, amplifying broker revenue without additional acquisition costs.
- Satisfaction drives repeat business… Brokers who emphasize ease see 30% more repeat transactions than those who trumpet rates.
- …And referrals: Businesses using app-only, small-ticket financing report 25% higher satisfaction, leading to valuable word-of-mouth referrals.
The big takeaway: By positioning app-only, small-ticket financing as a core offering, you create a steady pipeline of repeat business that builds over time.
- Easy just got easier: With auto-approvals for qualified deals under $25K and same-day funding in many cases, TimePayment makes app-only-small-ticket financing simple and rewarding. Reach out to our Third Party Originations team today.
Source: Proprietary 2025 Sawbux survey
