bicycle financing.

Bicycle Financing Program Overview

Variant is partnering with various types of retailers in the cycling industry including road, mountain, triathlon, and electric bikes. Variant offers their customers the best retail consumer financing options in the industry.  Financeable products have retail costs of $1,500 to $15,000 or more and are sold both online and in store (brick and mortar).

Variant’s bicycle financing program is very unique and extremely effective. It allows cycling retailers to advertise great financing promotions such as TRUE 0% APR FINANCING AVAILABLE both on their websites as well as in their store windows.

Customers can apply for financing right on the retailer’s website or in the store via a simple credit application. The customer chooses between a low, fixed-interest monthly payment or a 0% APR offer for 6 or 12 months.  After completing the application, a decision is immediately returned.  The customer can then sign the loan document electronically and take possession of the item they are purchasing or the merchant can ship the product.

Retailers are generally funded in 24 to 48 hours on a non-recourse basis.  Merchant fees start as low as 1.99% which is lower than most visa or master card transaction fees.

The program is a primary program and will consider FICO scores from the mid 600’s and above.

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Unmatched merchant support

With our competitors, you are a needle in a haystack.  Our model is working with smaller numbers of merchants to provide the service you deserve.

Easy integrations and process

With Variant, we can design a process around the way YOU do business. Multiple integration opportunities and white labeling available.

Available for both in-store & online

Whether you have multiple storefronts or sell exclusively online, Variant has what you need to close those transactions quickly and effectively.

Increase your marketing power

We offer the best consumer terms in the industry giving you the ability to market in ways your competitors can not.

Higher conversion rates

Most of our merchants have conversion rates in the mid 90% range. Which means when the customer is approved…THEY BUY!

Customize your program

We offer your the ability to make your program unique, and can customize special promotions for events like the holiday shopping season.

Interbike Brochure
Basic Merchant Requirements

Minimum Annual Sales Volume


Minimum Years in Business


Business Background

– Profitable
– No Bankruptcy

Principals Background

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

Convert "lookers" into BUYERS

Cost Effective

Obtain the marketing power of a big budget advertising campaign for a small budget price.

Easy Integration

Ecommence financing integrations

Unmatched Promotions

True 0% Interest Financing

Lead Generation

Even the declines can be converted into sales as you are provided with the contact information for the interested customer.

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(800) 570-6103

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