Our Success is Tied to Yours
V ariant Financial is not only dedicated to making sure our clients are happy with their chosen consumer financing programs, our success is dependent upon it. Like most finance companies, Variant doesn’t make money unless loans are being approved and funded and we understand better than anyone how important it is for a financing program to be able to fit inside a client’s sales process. That is why we put so much effort into making sure the programs that we develop and bring to market are effective in today’s ever changing credit markets.
Working with Variant, you will feel confident knowing that you have a team on your side that wants your consumer finance program to be just as successful as you do. We will look closely at your sales process, marketing, customer credit demographics, margins, and revenue objectives to layout a program(s) that will enhance your overall business model. Variant Financial has developed a wide range of program options that include primary, sub-prime, and tertiary programs.
No one has more experience, options, or is better to work with than Variant Financial.
A lawyer should handle your legal matters, an accountant should do your accounting, and trust Variant Financial to manage your consumer finance program.
Look / Primary Programs
Look / Sub-Prime Programs
2nd look, or “sub-prime programs” are consumer finance programs designed to approve individuals with below average credit. These programs generally have a higher cost to the merchant due to the increased lending risk. When used effectively, 2nd look programs can significantly increase conversion rates and incremental sales.
Look / Tertiary Programs
• Full nationwide launch of primary consumer financing program for bicycles, e-bikes, and related products.
• Launched successful beta test of prime and sub-prime program for the tutoring industry. Nationwide launch coming soon.
• Sub-prime program launch for stem cell, PRP, and other related injectables.