Your background is good. I believe you could get into a decent program if you have good grades in TOEFL and GMAT. If you don't have the grades yet, work hard to get high scores.
What concentration do you want to apply to? I am talking, by default, you are interested in OM or IS.
Very slim chance for finance. Might be ok if you apply for OM or IS. Btw, can I ask you two more questions? You don't need to answer them though, just think about them carefully. 1. why a phd in finance? 2. what are your current research interests in finance?