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

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

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

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



some industries or programs require more

Minimum Years in Business



Business Background


– Profitable
– No Bankruptcy

Principals Background


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

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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.

Other Programs



Above 650




Tertiary Program Basics

Credit Score Required


500 to 850

Loan Sizes



Loan Term


6 to 24+ Months

Customer APR*


19.99% to 29.99%+

*APR stands for Annual Percentage Rate