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Requirements

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Variant Consumer Finance Programs | Merchant Requirements

Merchant Requirements

For becoming a Variant Financial client.

Because of the high demand for Variant Financial’s services, certain minimum merchant requirements must be met to become a client. These requirements are in place to ensure that Variant can best utilize its time and resources to reach maximum efficiency and effectiveness for the clients they serve as well as the capital partners who look to Variant Financial as a valuable and trust worthy partner.

Visit our FAQ for answers to common questions merchants have regarding consumer financing.

Merchant Requirements

Annual Revenue

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Merchants must have at least $1 Million in annual sales. Some industries like medical, career training, and home improvement require larger amounts. Check our industries page for more details.

Corporate Stability

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Must be in business at least 2 years and have positive BBB ratings, online reviews, etc. No history of lawsuits or other related legal action. In some projects, we will require 2 years financial statements to show profitability.

Owner's Background

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Owner(s) must have reasonable credit rating with history of foreclosures, tax liens, or bankruptcy. We will pull credit on principal owner or owners of the business.

Variant Financial has an impeccable reputation in the consumer finance industry, so it is important that we work with strong, profitable, and service minded merchants.

Basic Merchant Requirements

Minimum Annual Sales Volume

$1,000,000*

*some industries or programs require more

Minimum Years in Business

2

Business Background

– Profitable
– No Bankruptcy

Principals Background

– Reasonable Credit
– No bankruptcy
– No foreclosure
– No Tax Liens

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