Merchant Provisions

Merchant Processing & Consumer Financing

Lower FICO score requirements equals more approvals...and more customers!

Our Low Discount referral loan program allows most businesses the ability to offer payment plans to your customers. We provide low interest loans to borrowers with FICO scores as low as 500's with a per funded loan discount rate of 5.9%. This provides a significant savings in financing costs to the merchant with a higher approval rate than traditional lenders. Borrowers benefit from lower annual percentage rates than traditional lenders creating a more positive buying experience.

Program 46: Prime to Sub-Prime Direct To Merchant MultiLender Platform 

● Amounts from $1,000 to $10,000 

● Loan terms to 12 to 60 months 

● Easy on-line application process with instant decisions available 

● Low fixed rates from 13.99% to 29.9% (depending on credit) with 0% promotions up to 24 months 

● Discount from 4% to 9% down to 600 FICO Score (additional discounts may apply for 0% promotions 

● No pre-payment penalties 

● No recourse to business 

● Funding directly to merchant within 48 hours 


Direct to Borrower Prime to Near Prime Multi-Lender Platform 

● Amounts from $1,000 to $35,000 

● Loan terms from 24 months to 60 months 

● Easy on-line application process 

● Low fixed rates from 7.99% (subject to credit scoring) to 29.9% 

● A total of 5.9% discount all the way down to a 600 FICO score 

● No pre-payment penalty 

● Quick decisions 

● Borrower is funded directly and pays business


Program 12:Prime to Sub-Prime Direct to Merchant Financing 

● Amounts from $300 to $3,500 

● Approvals down to 580 FICO Score 

● 3,6 or 12 Month 0% promotions 

● Low discounts- 12% maximum 

● Quick decisions 

● Affordable terms (36 months) 

Available in the following States: Arizona,California,Florida,Georgia,Illinois ,Indiana,Kansas,Kentucky,Maryland, Michigan,Nevada,Ohio, Utah, Virginia, Wisconsin,Missouri,Oregon,Washington, Colorado, Hawaii 


The best and most efficient way for us to help you get set up with the appropriate program for your business is to click on the button below and fill out the form. We will then send you a proposal of which programs you will be set up with. Enter the sale person's name as David Oguh in the first blank on the form.

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