![]() ![]() Suppose a bank approves a $5,000 purchase, but a well-qualified customer wants to add another $2,500 for an additional item. Mariner also offers flexible financing solutions. The retailer’s responsibilities include, but are not limited to, honoring all warranties, giving faithful representations, and making sure all signatures are authentic. Once approved, the retailer makes the loan and Mariner purchases the contract under the no credit recourse contract assignment. Mariner offers flexible financing solutions However, there is an exception process available for Mariner to consider larger deals, says Mariner’s AVP for retail sales, Len Falcone. “For those who aren’t as well-qualified, we have an entire bank of dedicated underwriters … looking at that customer as a whole so we can capture every approval possible.” Mariner generally offers HFA members financing for purchases ranging from $250 to $15,000. Mariner provides “instant approvals to well-qualified customers,” she adds. “For most of our members, we’re going to be able to cover most of the hours they’re operating, including weekends and holidays.” “We are really proud of our local support and hours,” Bernardo says. Mariner’s application reviews are available until 11 p.m. Mariner generally occupies the secondary financing space, but its hallmarks are affordability for the dealer, flexibility, auto-approval options, and personal service. “That’s a challenge we look to meet,” Bernardo says. Mariner Finance knows that supply chain issues and other changes caused by the COVID-19 pandemic are driving up costs for retailers looking to save money where they can. “At Mariner, we really believe that our dedication to helping the dealers grow their business and provide that financing is a cornerstone to keeping the economy going.” ‘We look to meet your challenges’ “Our dealers need financing to extend the credit that their consumers need to buy the products that they’re trying to sell,” Bernardo says. It offers flexible lending options for furniture retailers in 24 states with the goal of helping their customers make more purchases. Mariner Finance is a new Home Furnishings Association Solution Partner. “Not only do we earn our paycheck by helping others earn theirs, it’s also just incredibly fulfilling to know that every day we’re helping businesses grow and support their employees. “This credo is truly what we live by,” she says. Mariner Finance’s retail sales manager, Therese Bernardo, says the motto is not just a slogan. When it comes to retail financing, Mariner Finance has a simple motto: “Our business is to grow yours.” ![]()
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