In today's tight credit markets it has been getting more difficult for businesses to get customers approved through conventional financing. ePay Finance is able to assist companies to solve their consumer financing challenges by utilizing the alliances that it has made with the industry's top lenders, banks, credit unions, and servicing companies. Through these important relationships and managed from within a single platform, ePay Finance is able to offer its merchants the most versatile and progressive financing program available.
Merchant Benefits High approval rates means more sales and increased revenue 100% paperless Instant approvals No terms and no monthly minimums Direct-to-merchant funding available for qualified businesses Easy to use technology Zero risk to merchant Online directory	Consumer Benefits High approval rates, limited risk of decline Multiple loan products available for borrowers based on credit Soft credit pull does not effect credit score and allows borrowers to "check their rate" before applying Competitive fixed rate APRs Borrowers can gain access to low interest rate credit union loans
Program Details Loan amounts from $1,000 to $35,000 Discount rates as low as 1.0% Low interest rates are powered by marketplace lenders and credit unions 0% interest promotions for qualified merchants Loan terms range from 12 to 60 months and are dependent upon loan amounts	Merchant Qualifications No Minimum annual sales No Minimum years in business Virtually all legal business types accepted