consumer finance programs

The Most Trusted Source For Retailers & Service Providers™

Low Monthly Payments. 0% Interest Options. Wide Range of Credit Risks.

We Grow Businesses

Who We Are

Variant Financial™ is the nation’s leading provider of consumer financing programs for retailers and service providers.  Powered by one of the most powerful capital networks in the US, Variant is THE most trusted source for sales-driven consumer finance programs for prime and sub-prime credit.

What We Do

We build, market, and manage consumer financing programs for merchants in a variety of different industries throughout the United States, Canada, and Mexico.  Variant specializes in sales driven programs designed to decrease opportunity costs and increase profits and revenue.

Why We’re #1

Variant Financial takes advantage of unparalleled resources and experience to offer our clients the most competitive consumer finance programs available today.  These resources also allow Variant to be able to respond quickly and effectively to changing market conditions.


Programs with Unique Options Available for a Wide Variety of Industries and Credit Risks

Variant Financial offers a wide range of consumer finance programs for retailers covering a wide range of industries.  Our programs are flexible and are designed to work for those with sub-prime credit as well as those with good credit.

Variant is also very effective for online retailers in addition to traditional brick and mortar businesses.

engineered for maximum performance

At Variant, we break down our programs into 3 categories of credit risk; Prime, Subprime, and Tertiary (3rd look).


1st look, or “primary programs” can be defined as consumer finance programs that approve average credit and above.  These programs customarily offer “no interest” or “reduced interest” promotions and longer loan terms to attract credit worthy buyers to apply.


2nd look, or “sub-prime programs” are programs designed to approve individuals with below average credit. These programs generally have a higher cost to the customer and/or merchant due to the increased lending risk. 2nd look programs can significantly increase conversion rates and incremental sales.


3rd look, or “tertiary programs“, are designed to approve an very high number of applicants and in some cases, can approve 100% of applicants.  Tertiary programs are versatile and customizable and their structure is dependent on the client’s cash flow needs, margins, and risk tolerance.

Our success is tied to yours

V ariant Financial is dedicated to making sure our clients are happy with their chosen consumer financing programs and our success depends on it. 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 fit inside a client’s sales process.  That is why we put so much effort into making sure the programs that we develop and manage 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 strategy, customer credit demographics, margins, and revenue objectives to layout a program(s) that will enhance your overall business model.  Variant has developed a wide range of options that include primary, sub-prime, and tertiary programs.


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lets talk about your company and how we can help

© Copyright 2020 – Products and services provided through Variant Financial, a subsidiary of East Bridge Funding, LLC. Payment plans made by issuing bank partners.