Career Training and Coaching.

Variant Financial has a lot experience providing sales driven consumer finance programs to companies that sell training, seminars, workshops, webinars, and/or education based software. Businesses in this sector do not enjoy access to financing programs that a traditional consumer merchant does.  Our finance programs enable these educators to fill more seats in their classrooms while increasing revenue and profits.

See the overview of our unique program to the right of this page for a more detailed list of the types of companies that benefit from this program.

Variant’s consumer finance program for coaching, training, consulting, and speaking is extremely effective and allows educators and education companies to offer their important services to a much wider customer base.

Loan terms are typically 12 to 36 months in length and the customer APR can range from 0% to 34.99%.  Every approved student is offered a 6 month “deferred interest” promotion which gives the student an option to pay off the principal balance within the first 6 months to avoid any interest charges.

The program uses various credit tiers to approve loan applications from a wide range of consumers from good credit to challenged credit.  Our unique “billing-to-purchase” component can provide educators with a 100% credit approval rate and access to new cash flow, making your business more profitable.

The credit application process is quick and easy and credit decisions are rendered instantly.  Applicants can sign their loan documents electronically and will begin making payments within 45 days.

Merchant fees are based on the credit risk of the individual and the length of the loan term offered. Educators are generally funded within 48 hours via ACH into the bank account of their choice.