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Underwriting Criterias

Underwriting Criteria Preferred Industries – B2C:

  • Must be brick and mortar business, no home-based
     

  • Open and operating for at least one month (30 days)
     

  • Minimum annual sales of $200,000 ($17,000 monthly)
     

  • Guarantor with personal Equifax credit score of 551 or higher
     

  • Client may have a maximum of 2 outstanding cash advances
     

  • Merchants may qualify for up to $500,000 (single-entity) without collateral
     

  • Merchants may qualify for up to $750,000 (multi-entities) without collateral
     

  • Loan repayment terms from 12 to 36 months
     

  • No review of tax returns or financial statements required

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Underwriting Criteria Expanded Portfolio Industries – B2B:

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  • Must have commercial office space or warehouse
     

  • Open and operating for at least two years (24 months)
     

  • Minimum annual sales of $200,000 ($17,000 monthly)
     

  • Guarantor with personal Equifax credit score of 601 or higher
     

  • Client may have a maximum of 2 outstanding cash advances
     

  • Merchants may qualify for up to $500,000 (single-entity) without collateral
     

  • Merchants may qualify for up to $750,000 (multi-entities) without collateral
     

  • Loan repayment terms from 12 to 36 months
     

  • No review of tax returns or financial statements required

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