A Costco Business Membership can help contractors, remodelers, and service professionals cut costs on essentials like tools, materials, and office supplies. Whether you're stocking your work van, furnishing your office, or buying in bulk for a project, Costco’s pricing structure and executive perks can help improve your bottom line.
Pair these business savings with Finturf’s point-of-sale financing platform, and you can grow your business by giving clients flexible payment options.
The Costco Business Membership is designed for licensed business owners, including contractors, tradespeople, and small business operators. This membership level gives you access to Costco warehouses, Costco Business Centers, and Costco Services, allowing you to purchase goods for resale, stock your operation affordably, and add employee card holders.
There are two business membership tiers:
When applying to either tier, some form of business verification (typically a business license of three pieces of business identification) is required.
As a contractor, here’s what you can expect from Costco Business Membership:
These perks can help contractors lower operational costs and free up capital to reinvest in growth.
Collect valid business identification, such as a business license, resale certificate, or Employer Identification Number (EIN).
Decide between a Business Membership ($65 per year) or an Executive Business Membership ($130 per year with 2% annual rewards up to $1,250).
To join online, go to costco.com/join and select "Business Membership" as your membership type. To join in person, visit any Costco location and apply at the membership counter with your business documents.
After joining, you’ll receive your primary business card and a complimentary household card. Add extra cards for employees if needed for $65 each per year.
Launched in 2017, Costco Next is an exclusive program that gives Costco members access to deeply discounted products from top-quality brands that partner with Costco. After verifying your membership, you can shop directly on a participating brand’s site and receive member-only pricing, often on a broader selection than what’s available in the warehouse.
Direct access to brands like Hestan, Anker, Invicta, and Satechi
Expanded selection of tech, appliances, and furnishings
No markup — prices often below traditional wholesale
Perfect for sourcing client gifts, office equipment, or custom installs
Note: Costco Next benefits are available to all Costco membership levels. These purchases do not count toward the Executive Membership 2% cashback reward.
While Costco helps lower your material costs, Finturf allows you to provide your customers with flexible financing options. By using these programs in tandem, you can improve cash flow, close more jobs, and enhance customer satisfaction.
Offer your clients a simple online financing request form that can be filled out on most devices. Manage and track the process through one portal with 24/7 tech support.
Gain deep insights with customer financing analytics. Leverage reporting to discover trends and drive data-backed decisions.
Choose which lenders you prefer working with from our wide network and what financing offers to present to your clients.
Use financing for projects while sourcing materials from any store, not just Costco.
Finturf helps you streamline project financing with just a few simple steps:
Join the Finturf contractor network.
Clients complete a simple, secure financing request form online.
If the client is approved and accepts the offer, you will be paid based on project milestones or as agreed upon per the lender’s terms.
The Costco Business Membership is a powerful resource for business owners looking to reduce overhead and increase profitability. When combined with Finturf’s customer financing platform, you can drive more sales and streamline your operations. Here’s how:
Using Costco Business Membership alongside Finturf allows you to take on bigger projects, offer better value to your clients, and ultimately grow your business more efficiently.
The Executive Membership offers all standard benefits plus 2% annual rewards (up to $1,250) and additional discounts on Costco Services. The Costco Business Membership is $65 per year, while the Costco Executive Business Membership is $130 per year.
Yes. Contractors holding a valid Costco membership can shop at Costco Business Centers, which offer bulk deals and a product range specifically tailored to commercial operations.
A Costco Executive Membership offers all the benefits of a Costco Business Membership, as well as 2% annual rewards (up to $1,250) and additional discounts on Costco Services.
The annual 2% reward for Costco Executive Members never expires. The reward certificate will list an issue date, but it will not list an expiration date.
Yes. You can combine your Costco Executive Membership rewards with Costco Anywhere Visa Card by Citi rewards, based on purchase category and eligibility.
Enhance your profit margins with exclusive pricing through Costco Business Membership. Then, make it easier for customers to say “yes” with flexible financing from Finturf.
Combining these two tools can help you take on larger projects and keep your business moving forward.
