10 out of 10:00 Podcast with Bill Papettas, president and CEO of Mattress Warehouse


In this latest edition of 10 out of 10:00, Home News Now contributor Mark Schumacher speaks with the top executive of one of the fastest-growing retailers in the home furnishings and bedding sector. In this exclusive interview, the executive talks about the importance of acknowledging and being surrounded by great people. “It is important to recognize this is a team sport,” he says. “Teamwork is one of our core values. And I think it’s critically important that the people that get the work done get the credit.” When there is success, he adds, the team gets the credit for the success and when there are headwinds, “those are my headwinds as the leader of the organization — I have to be able to face those things. But when the team is knocking it out of the park, it is because they did the work.” He also touches on how important this philosophy is to fueling growth. “It is about culture first and focusing on the people that are the closest to the customer. That is a huge part of our focus as an organization.” For this and other insights into the retailer’s success, click the video link below.


The modern shopper expects flexible financing, and relying on a single solution means leaving sales on the table. That means having partners who specialize in different lending segments, from Synchrony for prime promotional offers, Fortiva for second-look financing, and a wide range of payment options from American First Finance. Versatile’s technology is the unified platform that connects all these solutions, ensuring your teams can quickly get every customer to a “yes,” in-store or online.

Synchrony (NYSE: SYF) is a leading consumer financing company at the heart of American commerce and opportunity. From health to home, auto to retail, our Synchrony products have been serving the needs of people and businesses for nearly 100 years. We provide responsible access to credit and banking products to support healthier financial lives for tens of millions of people, enabling them to access the things that matter to them. Additionally, through our innovative products and experiences, we support the growth and operations of some of the country’s most respected brands, as well as more than 400,000 small and midsize businesses and health and wellness providers that Americans rely on. Synchrony is proud to be ranked as the country’s #2 Best Company to Work For® by Fortune magazine and Great Place to Work®. http://www.synchronybusiness.com/ 


Fortiva® Retail Credit is a technology-enabled second look point-of-sale consumer credit program issued by The Bank of Missouri. The omnichannel program leverages instant decisioning capabilities, deep underwriting analytics, and a paperless process platform to provide best-in-class retail finance solutions for its clients both in-store and online. This flexible technology platform provides a loan decision to consumers within seconds. Clients in markets such as furniture, big box/specialty retail, flooring, home improvement, HVAC, electronics, elective medical, health and fitness, home automation, and jewelry offer the Fortiva Retail Credit program for second look financing. The Fortiva® Retail Credit program is available throughout the United States, including Puerto Rico and the U.S. Virgin Islands. For more information, please visit https://www.fortivaretailcredit.com.


American First Finance (AFF) is a leading point of sale “shop now, pay later” solutions provider across 26 verticals, including furniture, mattress, auto repair, tire & wheel, elective medical, and more.  Based in Dallas, TX, AFF’s mission is to provide financial solutions that help ordinary people meet their needs and pursue their dreams.  Learn more call 972.992.3560 or visit www.americanfirstfinance.com


For over two decades, Versatile has been a pioneer in the credit optimization space, helping merchants unlock the power of financing to drive sales and help customers get the products they want and need.
With Versatile, customers are seamlessly guided to offers from a full spectrum of lenders and providers and are matched with the offers that best meet their needs. This is possible because merchants can work with over 35 of the nation’s best prime, near-prime, and no-credit-needed providers to find the partners that work best for their business and customers. Our platform ensures every shopper can apply safely and comfortably, whether in-store or online from any device. versatilecredit.com 

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