Apply For HelpCard Step 1

Merchant Requirements

1. Merchant Must Be In Business For At Least 2 Years (This Requirement Can Be Waived If Business Owner Has Personal Credit Of 700+ FICO)

2. Business Owner Must Have A 600+ FICO (Regardless Of Number Of Years In Business)

3. Merchant Must Be In One Of The Following Industries:

Approved Industries

Medical Procedures

Dental
Orthodontics
Veterinary
Chiropractic
Plastic Surgery
LASIK / Vision
Dermatology
Bariatric
Hair Restoration
Women's Services
Laser Cosmetic Services
Male Sexual Health
Med Spa Services

Medical Devices

Powered Scooters
Powered Wheelchairs
Hearing Aids
Adjustable Beds
Chair Lifts
Other Medical Devices

Home Improvement

Carpeting / Flooring / Tile
Kitchen & Bath
Plumbing / HVAC
Electrical
Roofing
Windows
Decks
Remodeling
Painting
Draperies
Landscaping

Professional Services

Online Training Schools
Real Estate Programs
Any 3 Month Or Less Schooling

Automotive

Auto Body & Repair
Brakes
Transmission Repair

Consumer Goods & Other

Computer Purchase & Repair
Electronics
Sporting Goods
Water Ski Equipment
Snowboard & Ski Equipment
Bicycles
Jewelry
Horse Tack
Farm Equipment Sales/Rental
Clothing & Apparel
Landscaping Services

RESTRICTED INDUSTRIES

Travel
Attorney / Paralegal
Pawn Shops
Auto Financing
Bail Bonds
Powersports

Program Details

100% Risk Free, Non-Recourse Revolving Credit Card Program
Quick ACH funding within 48 hours
Easy To Use Online Application Portal With Instant Credit Decisions
Maximum loan amount is $10,000
Monthly payment factor of 3.5%
Online borrower application available for the merchants website to allow borrowers the ability to apply and get pre-approved for a loan online.
Extremely competitive discount rates.
Once credit line is established, customer can add subsequent charges without re-applying. This is great for businesses who have repeat visits with customers.

More customers approved for financing. Our Credit Card lenders approve Prime, Near-Prime and Sub-Prime applicants down to a 600 credit score.
Many 0% interest promotions available for use at the merchants discretion (6 and 12 month SAC promotions are available)
Immediate Availability - charges can be submitted same day as the approval
Each merchant is given a personalized account manager.
Each merchant is given free marketing materials and free online training.
Standard borrower APR is 27.99%.
Minimum payment for the borrower is always 3.5% of the balance or $25, whichever is greater.