Consumer Finance

All Merchants Are Typically Funded In First 48 to 72 Business Hours
These Consumer Finance Solutions Work Best For Products and Services Between $250 and $10,000

Dollarphotoclub 50984922 300

 The Finance Solutions Guardian can provide access to are like nothing you’re used to in the Consumer Finance Industry. We have relationships with over 30 Lenders all ready to do business with you. You just need to let a Guardian Consultant explain your options. Each Finance Company is very unique, and each provide a different style of financing. The finance programs will vary in many different ways. To start each one has their own set of interest rates for the consumer, each have very different merchant fees, some have monthly fees, equipment fees, setup fees and lease fees. The finance limits and approval process all vary company to company. By letting Guardian handle this process we will create a portfolio of lenders that can assist with the finance needs of your consumers. A Guardian specialist will pin point the Banks that have your Industry approved for financing. We will then assist in the paperwork process. The paperwork is the most delicate part of the process. With these lenders a simple mistake could set you back months or even years before getting another opportunity to establish that relationship. Many of these Banks have too many merchants lined up waiting to get approved. Guardian has such a strong relationship with these Banks that we have a higher success rate with getting you established with these Banks. This is exactly what we exist for. Bankers don’t have time to go back and forth about missing docs or unclear copies. The tiniest mistakes can get you rejected. Guardian already knows these Banks and what they are looking for. We know what red flags will prevent you from being approved and we know what Banks make sense for your business based on your products and services.

Take a look at what we offer and give us a call.

Bank #1

(Premiere Bank) No Credit Check Financing
Finance Limit: $3500 with Equipment On-Site, $2000 w Online Portal
Interest Rate: 6.5%-15%
Terms: 3, 6, 9, and 12 Months
Merchant Fees: 0% on all Transactions
Online Portal or Equipment Purchase/Lease Option
Setup Fee $295-$495 & Monthly Back Office Fee Mandatory (Based on Rate Selection)

Read more...

Bank #2

No Credit Check Financing
Finance Limit: $5000
Interest Rate: 18% to 34%
Merchant Fees: 0%-6%
Terms: 6 to 12 Months
Equipment Lease Required

Read more...

Bank #3

Poor Credit Financing (Any Score)
Finance Limit: $5000
Interest Rate: 0%-89%
Merchant Fees: 0%-8%
Terms: 3,6,9, and 12 Months
No Equipment Required

Read more...

Bank #4

Poor Credit Financing (Any Score)
Finance Limit: $3550
Interest Rate: 0%-89%
Merchant Fee: 0%-9%
Terms: 3,6,9 and 12 Months

Read more...

Bank #5

Poor Credit Financing (470+ Fico Required)
Finance Limit: $7,400
Interest Rate: 40% -189%
Merchant Fees: 2.99% -3.99%
Terms: 12 to 24 Months
No Equipment Required

Read more...

Bank #6

Poor Credit Financing (550 Fico Plus Required)
Finance Limit: $6,000
Interest Rate: 28.99%
Merchant Fees: 7% -32%
Terms: Revolving Line of Credit At Your Store Only
No Equipment Required

Read more...

Bank #7

Sub-Prime Credit Financing (600 Fico Plus Required)
Finance Limit: $10,000
Interest Rate: Consumer Gets State Minimum
Merchant Fees: 4% -8%
Terms: 12 to 48 Months
No Equipment Required

Read more...

Bank #8

Below Sub-Prime Credit Financing (580 Fico Plus)
Finance Limit: $9,999
Interest Rate: 17% -28%
Merchant Fees: 11.9% -19%
Terms: Revolving Line Of Credit
No Equipment Required

Read more...

Bank #9

No Credit Needed
Finance Limit: $500 - $2000
Interest Rate: 40% -189% Based on Consumer Terms
Merchant Fees: 5% -9%
Terms: 6, 12, and 18 Months
No Equipment Required

Read more...

Bank #10

No Credit Needed
Finance Limit: $4000
Interest Rate: 60% -89%
Merchant Fees: 6% -10%
Terms: 6 to 12 Months
No Equipment Needed

Read more...

Bank #11

Below Sub-prime (575 Fico Plus)
Finance Limit: $35,000
Interest Rate: 0%-29.99%
Merchant Fees: 10%-34%
Terms: 12 to 36 Months
No Equipment Needed

Read more...

Bank #12

Below Sub-Prime (570 Fico Plus)
Finance Limit: $35,000
Interest Rate: 0% - 29.99%
Merchant Fee: 10% - 34%
Terms: 12 to 60 Months or Revolving Lines Optional
No Equipment Needed

Read more...

Bank #13

No Credit Required (In-Store Credit Program)
Finance Limit: $800
Interest Rate: 31.99% Flat Rate
Merchant Fee: 3% - 5%
Terms: Revolving Line Of Credit
Credit Card Terminal Required
Good For Grocery Stores, Pet Stores and Tire Shops (Call For Other Industry Approvals)

Read more...

Bank #14

Below Sub-Prime (550+ Credit score Required)
Finance Limit: $20,000 Consumer & $50,000 Commercial
Interest Rate: 12% - 90% Based on Credit
Merchant Fee: 0%
Terms: 2 to 5 yrs
No Equipment Needed (Good for Business to Business Sales)

Read more...