Who Is HelpCard?

Established in 1983, The HELPcard® serves prime and near-prime consumers desiring to purchase goods and services.  For merchants who desire it, HELPcard also offers Billing Program Options.  For 31 years, the HELPcard has assisted merchants by designing tailored programs which provide low monthly payment options to their patients and consumers.  HELPcard does not provide "cookie cutter" programs.  HELPcard's specialty is providing very dynamic revolving lines of credit for almost any type of opportunity.
  
  
 

Program Details
   
  •  100% Risk Free, Non-Recourse Revolving Credit Card Program
  • More customers approved for financing.  Our Credit Card lenders approve Prime, Near-Prime and Sub-Prime 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%
  • 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.
 
   
  
  • Quick ACH funding within 48 hours
  • 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.

How It Works
  
  
  

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

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:

Support Documents
    
HelpCard Helpful Hints
How To Process A Loan
Credit Application
HelpCard FAQs