Direct To Consumer Programs
  
Highlights Of Our Direct To Consumer Financing Programs:
  • ANY Business (No Matter What Industry!) Can Have Their Customers Apply For A Loan With The Lenders Below
  • The Customer Will Be ACH Funded The Money Directly By The Lender
  • Merchants Will Be Responsible For Collecting Payment From Their Customer After The Loan Has Been Funded (Remember, The Lender Funds The Customer Directly)
  • There Is Absolutely ZERO COST To Merchants For Using These Lenders (0% Discount Fee, No Monthly Fee, No Minimum Usage Fees)
PLEASE NOTE:  For our "Direct To Consumer Programs," the consumer MUST be the one who applies for the loan.  You, as the merchant, CANNOT complete the loan application for the consumer.  The consumer MUST use their email address for all "Direct To Consumer Programs."  MERCHANTS, DO NOT USE YOUR EMAIL ADDRESS WITH ANY OF THESE DIRECT TO CONSUMER LENDERS!!!  If you wish to submit and complete loans on behalf of your customers, please see our "Direct To Merchant Programs."  Failure to comply with this message WILL result in immediate termination.

 
Credit Type Approved: Prime ONLY
Min FICO Needed: 760 FICO
Loan Amounts: $5,000 - $100,000
Loan Terms: 24 - 84 Months
Interest Rates: 4.99% - 9.99%
Instant Approval?  YES
Loan Origination Fee (To Borrower):  0%
Time For Customer To Receive Funds: 1-5 Days
States NOT Approved:  Available In All 50 States
Link To LightStream Website For More Details
Notes: Consumers will need to have excellent credit to qualify for this loan.  The average credit score approved is 780, showing that only customers with perfect credit will qualify.
Credit Type Approved: Prime & Near-Prime
Min FICO Needed: 640 FICO
Loan Amounts: $2000 - $35,000
Loan Terms: 36 or 60 Months
Interest Rates: 6% - 36%
Instant Approval?  YES
Loan Origination Fee (To Borrower):  2-5%
Time For Customer To Receive Funds: 1-5 Days
States NOT Approved: Iowa, Maine, North Dakota
Link To Prospers Website For More Details
Notes: Consumers with good and excellent credit will qualify for Prosper.  While credit score is not the only factor considered for an approval, Prosper will approve more customers than a bank.
Credit Type Approved: Near-Prime & Sub-Prime
Min FICO Needed: 550 FICO
Loan Amounts: $1000 - $20,000
Loan Terms: 12 - 48 Months
Interest Rates: 25% - 95%
Instant Approval?  YES
Loan Origination Fee (To Borrower):  0%
Time For Customer To Receive Funds: 1-5 Days
States NOT Approved: Iowa, Maine, North Dakota, Wyoming, Colorado, Oklahoma, Pennsylvania, Vermont, Massachusetts
Link To Avant Credit Website For More Details
Notes: Consumers with less than perfect credit can qualify for a loan with Avant Credit.
    
  

Direct To Merchant Programs
  
Highlights Of Our Direct To Merchant Financing Programs:
  • Merchants Are Funded Directly (Via ACH) By Each Lender
  • Merchants Are Able To Extend 0% Interest Promotional Offers
  • Merchants Are Able To Track Loans Through A Loan Portal
  • Merchants Are Given Marketing Materials From Each Lender
  • Merchants Are Given A Support Team With Each Direct Lender
  • Merchants MUST Be Approved By Each Individual Lender 

  
  • 100% Risk Free, Non-Recourse Revolving Credit Card Program
  • Approve applicants down to a 600 credit score
  • Easy To Use Online Application Portal With Instant Credit Decisions
  • Maximum loan amount is $10,000, Monthly payment factor of 3.5%
  • Quick ACH funding within 48 hours
  • 0% interest promotions available for 6 and 12 months
  • Standard borrower APR is 27.99%
  • Please Check The Industry & Merchant Requirements For This Program To Ensure Your Business Qualifies
  
  • 0% Interest For 90 Days Included On ALL Approvals
  • Program will approve an estimated 80% of applicants
  • Discount Rate to merchant is 2.99% FLAT for retail goods & 9.99% FLAT for medical services.  Loan Amounts from $1500 - $7500.
  • Online platform is integrated with instant decisions, online identity verification, and e-signatures.  With this sub-prime financing program, there is no need for document collection.
  • There is zero risk to merchants offering this program.  All loans are 100% non-recourse and are funded within 48 hours.
  • Please Check The Industry & Merchant Requirements For This Program To Ensure Your Business Qualifies
  
  • 100% Risk Free, Non-Recourse Installment Loan Program
  • Approve applicants down to a 600 credit score
  • Easy To Use Online Application Portal With Instant Credit Decisions
  • Loan Amounts from $1,000 - $20,000
  • Loan terms up to 36 Months
  • Quick ACH funding within 48 hours
  • 0% interest promotions available for 6 and 12 months
  • Standard borrower APR is 17.99%
  • Please Check The Industry & Merchant Requirements For This Program To Ensure Your Business Qualifies