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Creative Financial Solutions
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Overview

 

Program Highlights

Our consumer financing product has many features that will give your business the ability to retain and close more sales. Some highlights include:

  • Financing Down to a 600 Credit Score
  • Financing Options Between $1,000 and $25,000
  • Payment Within 72 Hours of Your Sale
  • Terms Up To 72 Months
  • 100% Unprotected, Zero Recourse Consumer Financing
  • Use as a Secondary Platform to Primary Financing



How The Consumer Finance Solutions Process Works

  • Businesses log into an easy to use online portal and quickly apply for instant financing on the customers behalf.
  • The approved business builds in the required discount rate determined by the credit profile of the borrower.
  • The discount rate applied to a loan is a function of the customer’s credit and financial profile.
  • The higher the risk, the higher the discount rate.
  • All state laws regarding discount and interest rate are built into the system.
  • Within approximately 15 minutes the portal delivers an “Approval” or “Decline” notice.
  • The customer pays low, simple interest rates with no unfair or confusing terms and no hidden fees. Interest rates and payments do not change for the life of the loan.
  • Customers with distressed credit can still qualify and benefit from desirable and affordable interest rates, payments and terms.
  • Customers can use the program to affordably rebuild their credit.




Consumer Finance Solutions

  • We teach you how to absorb 0% of the merchant discount rate and instead receive 100% of the sale. No longer will you as a business be expected to take the hit on discount rates. We have a system where if your product costs $5000, then you will receive $5000. We additionally teach you how to share the cost of the money when it’s required to get the deal done.
 
  • Consumer Finance Solutions will approve customers all the way down to a 600 credit score and are approving about 30-50% of the credit turndowns experienced by big banks. By allowing Consumer Finance Solutions to additionally have the prime paper, we are able to approve a higher percentage of the low credit customers. How is Consumer Finance Solutions able to do this? Simply put, Consumer Finance Solutions wants the business more than Big Banks do and are thus willing to work harder. When we see any applicant apply for credit, we don’t just look at their FICO score and read that as the whole story like Big Banks. We look at their last year, see if they’ve been making their payments on time, and give them a fighting chance to get approved. We know America hasn’t been the same over the past 3 years and we give those people who have been showing improvement a chance by approving their loan application.
 
  • Consumer Finance Solutions will typically have 100% of the funds in your account within 48 hours.
 
  • Consumer Finance Solutions offers a promotional special on almost all approved loans. For sub-prime borrowers, we typically include a 0% APR option for 12 months. For prime and near-prime borrowers, additional specials are available like 90 days differed payments.


 

Approved Industries

Other industries are being added all the time so please check with us to see if your business is approved
 

Automotive
Repair / Tires Sales
Auto Body
Brakes
Tires
Transmission Repair
Oil Change
Tune ups

Professional Services
Doctor Offices
Medical Procedures
Dental Offices
Dental Procedures
CPAs
Chiropractic Offices
Veterinarian Offices
Plastic Surgery

Home Improvement
Carpeting
Flooring / Tile
Kitchen & Bath
Plumbing / HVAC
Electrical
Roofing
Windows
Decks
Remodeling
Painting
Draperies
Landscaping
Water Treatment Systems

Medical Equipment
Medical Scooters
Chair Lifts
Hearing Aids
Stair Lifts

Home Purchases
Appliances
Furniture
Home Exercise Equipment
Bedding / Mattress
Custom Beds

Jewelry

Power Sports
ATVs
Motorcycles
Wave Runners & Other Recreational Vehicles








 

Credit Score vs. Loan Amount

  • Credit Challenged (520-650) - Max Loan Amount $15,000 - Max Term 48 Months
  • Near Prime (650-700) - Max Loan Amount $30,000 - Max Term 72 Months
  • Prime (700+) - Max Loan Amount $30,000 - Max Term 72 Months





General Approval Criteria

  • 520 plus credit score
  • 1 year on the job or in the same industry
  • Minimum $1,500 gross monthly income
  • 2 year credit history with no judgments, liens or open collection accounts (medical accounts excluded)
  • No open bankruptcy




(877) 935-8226
    
info@gulfcoleasingandfunding.com

 



Home
Overview
FAQ
No Credit Check Consumer Finance
Cash Flow
Consumer Finance Solutions
Credit Cards
Factoring
Hard Money
Leasing
Merchant
Unsecured
Contact Us
Brokers & Referrals