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.
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.
Minimum Annual Sales Volume
some industries or programs require more
Minimum Years in Business
– No Bankruptcy
– Reasonable Credit
– No bankruptcy
– No foreclosure
– No Tax Liens
get the conversation started
lets talk about your company and how we can help
Tertiary Consumer Finance Programs
Even with the use of a Sub-prime or 2nd look program, not all applicants can be approved. Tertiary consumer finance programs can be defined as financing options offered last in line and usually sit behind a primary and 2nd look program. Tertiary programs are designed to approve applicants with challenging credit issues like delinquencies, charge offs, and judgments.
Tertiary consumer finance programs aren’t for every business. They almost always carry some sort of risk on the merchant’s part. However, if structured properly, the risk is calculated and minimal.
Tertiary programs allow for far more customization than primary and secondary programs and in some cases can allow for 100% credit acceptance.
For over a decade, the principals of Variant Financial have built and managed successful tertiary programs for retailers and service providers.
Credit Score Required
6 to 24+ Months