Merchant FAQ

Q. How do I know what kind of programs my company would qualify for?

Program availability depends on multiple variables such as the size of a company, what the product or service being sold is, the average ticket, customer demographics, and how the product or service is being sold. Variant works in many industries and has the largest network of consumer financing partners available anywhere. As long as you are selling a product or service that costs between $500 and $20,000, East Bridge will be able to source a program that meets most, if not all of your needs.

Q. What are the costs associated with consumer finance programs?

Costs to the retailer or service provider are generally determined by variables such as the credit of the debtor, the interest rate being charged, the promotion being offered, the term of the loan, and/or recourse provisions. Because these variables each affect risk and/or return, they can be adjusted to meet the cost restrictions of the retailer or service provider. As a basic rule for most non-recourse programs charging interest rates from 15-25% to the debtor, 1st look programs with cost the retailer/service provider 0-10%, and sub-prime or 2nd look programs will cost 10-20%. 3rd look or tertiary programs can be structured in so many different ways that there really isn’t a standard merchant cost structure.

Q. What are the qualification requirements for program approval?

Due diligence requirements vary depending on the lender used and the type of product or service being sold by the dealer or provider. If you are selling immediately delivered goods and/or services your qualification requirements will be minimal as opposed to a business that sells a product or service that has a future delivered element.

Q. How long does it take to put a program together?

For standard programs for small to mid sized companies, it usually takes 2-4 weeks for due diligence, program approval, and training. For larger projects or custom programs, it can take up to 60 days or more because of the intricacies of the process and our commitment to getting the job done right.

At Variant Financial, we love questions and interaction from our clients because it gives us an opportunity to better understand their needs and wishes.

Merchant Requirement Basics

Minimum Annual Sales Volume



Minimum Years in Business



Business Background


– Profitable
– No Bankruptcy

Principals Background


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

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