For contractors, remodelers and their bookkeepers

Lowe's Commercial Account QuickBooks Import, Convert Lowe's Commercial Card PDF Statements to QBO

When the Lowe's commercial account will not link, or links and only shows your payments, the purchases still exist on the monthly statement. Drop the statement PDF into the converter, check the charges against the balance due, and download a .qbo file written as a credit card account for QuickBooks Online or Desktop.

Quick answer

Lowe's commercial accounts and Lowe's commercial credit cards are serviced by Synchrony, and QuickBooks connects to them as "Lowe's Commercial Card (Synchrony)". That connection has a long record of error 103 and 108 failures and of feeds that bring in payments but not purchases. The dependable route is the statement: convert the Lowe's statement PDF to a .qbo file and import it into the card account.

Commercial account and card statements Scans and photos read with OCR QBO, IIF and CSV output

Convert a Lowe's statement to QBO

Drop the Lowe's PDF here, review the purchases, then download a .qbo file for the card account.

No credit card required to try your first statement.

Which Lowe's and QuickBooks problem do you have?

The Intuit Community threads on this account run from 2023 into 2025 and keep describing the same four situations. Each one ends at the same place: the purchases have to come from the statement.

It will not link

Error 103 or 108 when you add "Lowe's Commercial Card (Synchrony)". Users report both on commercial and 4Pros accounts.

Only payments show up

The feed connects but brings in the payments you made, never the purchases, so the card balance in QuickBooks runs negative.

Months are missing

The account was never connected, or dropped off, and a year of materials purchases is not in the books at tax time.

You only have the PDF

The client emails statements, or mails paper, and nobody is going to share the Synchrony login with their bookkeeper.

Contractor at a truck tailgate sorting lumber receipts and a monthly supply account statement

Your biggest materials account, reconciled from the statement

For a lot of builders and remodelers the Lowe's account is where most of the job cost lands. Lumber, fasteners, fixtures, a rental here and there, all on one account with 30 days to pay. If QuickBooks is missing those purchases, job costing is wrong, the card balance is wrong, and the tax return understates what the work actually cost.

The statement is the one record Lowe's and Synchrony produce every month without fail. It lists each purchase with its date and amount, plus payments, returns, and any finance charge. That is exactly what a card register in QuickBooks needs, which is why the conversion works when the feed does not.

Purchases post as charges, payments and returns as credits
Each statement becomes its own .qbo file, ready to import oldest first
Paper statements work from a scan or a clear phone photo

Four ways to get Lowe's purchases into QuickBooks, compared

If the bank feed works for you, keep it. It costs nothing and runs by itself. The table is for everyone else, and it is honest about where each route falls short.

Route	What you get	Where it falls short
Bank feed ("Lowe's Commercial Card (Synchrony)")	Automatic daily download once it connects.	Repeated 103 and 108 errors in the community threads, and feeds that carry payments only. No history before the connection date.
Activity export from the Synchrony site	A spreadsheet of recent activity when the export is offered.	Needs the login, covers recent activity only, and a CSV has to be mapped column by column. QuickBooks Desktop cannot import bank CSV at all.
Typing purchases in from the statement	Works for a handful of lines.	A busy trades account carries dozens of purchases a month. At a minute or so each that is an hour or more per statement, with typos found at reconciliation.
Statement PDF converted to QBO	Every purchase, payment, return and finance charge on the statement, as a credit card .qbo or IIF file.	You still download or scan each statement, and it is a paid tool after the first try. It does not replace the feed going forward.

Sources: Intuit Community threads "Still can't link Lowe's Commercial Account" (2023 to 2024), "Lowe's 4Pros Business Advantage" (2023) and "Does anyone else have a Lowe's Commercial credit card linked to their bank feed?" (2024 to 2025).

How to import a Lowe's commercial account statement into QuickBooks

Get the statements

Save each monthly statement as a PDF from the Lowe's commercial account site, or scan the paper copies the client kept.

Convert and check

Drop the PDFs into the converter. Compare the extracted purchases and payments with the previous balance and the new balance before you download.

Pick QBO or IIF

Choose credit card as the account type. Take .qbo for QuickBooks Online and supported Desktop versions, IIF for older Desktop files.

Import into the card account

Upload into the Lowe's credit card account, oldest statement first, then match each closing balance before moving on.

Three things that break a Lowe's reconciliation

None of them show up at import. They show up when the QuickBooks balance refuses to match the statement.

Payments already in from the feed

If the feed brought in your payments, the converted statement will carry the same payments again. Import the statement, then exclude the duplicate payment lines in the review screen, or delete the feed's copies first. One owner posting in that thread in January 2025 described a negative liability of $21,000 on the card, which is what payments without purchases look like after a few years.

Purchases landing as deposits

Statements print purchases as positive amounts. A file that keeps those signs, or declares a checking account, turns every lumber run into money in. Our export writes card statements as a credit card account, so purchases post as charges.

Special orders billed a cycle later

A contractor in the same thread pointed out that special orders can bill well after the order date. Reconcile to the statement, not to your purchase orders, and the timing takes care of itself because the statement is what Synchrony actually charged.

Who converts Lowe's statements for QuickBooks

Bookkeepers for trades clients

You look after a few builders, a roofer, an electrician. Each emails a Lowe's statement at month end and none will hand over the login. Converting the PDFs keeps every client on the same monthly routine.

Contractors catching up at tax time

The feed stopped in spring and nobody noticed until the CPA asked for the year. Twelve statements convert in one sitting, and the materials cost lands where the return needs it.

Desktop users with no working connection

QuickBooks Desktop cannot import a bank CSV, so an activity export is a dead end. A Web Connect .qbo file, or IIF on older versions, imports without any connection to Synchrony.

Also buying on a Home Depot account? The Home Depot commercial account to QuickBooks page covers the August 2026 feed shutdown on that side. For the Lowe's Business Rewards card from American Express, use the Amex statement to QuickBooks converter.

Questions about Lowe's commercial accounts and QuickBooks

How do I connect my Lowe's commercial account to QuickBooks?

In QuickBooks Online go to Transactions, Bank transactions, Link account, and search for "Lowe's Commercial Card (Synchrony)", then sign in with the credentials from the Lowe's commercial account site. Clear any notices waiting on that site first, since error 108 means one needs attention. If it still fails, import the statements as .qbo files instead.

Why does my Lowe's card only show payments in QuickBooks?

The Synchrony feed for some Lowe's commercial accounts transmits the payments but not the purchases, and Intuit staff have pointed users back to Lowe's and Synchrony without a fix. The purchases are on the monthly statement, so converting it to a .qbo file and importing it fills the gap.

What is error 108 with Lowe's in QuickBooks Online?

Error 108 means a notice on the card issuer's website needs your attention, such as new terms or a security step. Sign in to the Lowe's commercial account site with the same login, accept anything pending, then retry. Users on the Intuit Community reported it persisting for months, which is when a statement import is faster.

Can I import a Lowe's statement into QuickBooks Desktop?

Yes, as a Web Connect .qbo file through File, Utilities, Import, Web Connect Files, into the credit card account. Desktop cannot import bank CSV files, so a spreadsheet export will not work. For Desktop versions too old for Web Connect, download the IIF file instead.

Does this work for MyLowe's Pro Rewards and 4Pros cards?

Yes. The converter reads the statement, not the account type, so Lowe's commercial accounts, the MyLowe's Pro Rewards Credit Card, the MyLowe's Pro Rewards American Express card Synchrony launched in April 2026, and older 4Pros statements all convert the same way. Scanned and photographed statements are read with OCR.

How should I categorize Lowe's purchases in QuickBooks?

Most contractors post them to Materials or Job Supplies, or to Cost of Goods Sold when they bill materials to customers, and tag each purchase to the job or customer. Create a bank rule for the Lowe's payee so every converted month categorizes itself after the first one.

How much does it cost to convert Lowe's statements to QBO?

Starter is $49 a month for 50 documents, Plus is $149 for 200, and Pro is $499 for unlimited, with yearly billing at half the monthly rate. One statement is one document, so a full year of one Lowe's account fits in Starter. You can try a statement before creating an account.

Will a converted statement duplicate what the feed already imported?

It can, because QuickBooks does not recognize a converted line and a feed line as the same transaction. Import converted months only up to the day before the feed's first transaction, and exclude any payments the feed already brought in.

Put the Lowe's purchases back in the books

Drop the statements in, check them against the balance due, and import a credit card .qbo or IIF file into QuickBooks Online or Desktop on the first try.

Convert a Lowe's statement now