Lending Guidelines

Loan Parameters (The Terms)

• Funding Range: $15,000 – $45,000,000 -We syndicate on certain transactions and our private capital is invested in you and your business on a non dilutive basis. No revenue? Personal/Expansion loans without revenue up to $550,000.

• Terms: 3 to 84 months for unsecured loans and up to 25 years for SBA programs.

• Repayment Flexibility: Daily, Weekly, Bi-Weekly, Monthly, or Bi-Monthly options.

• Collateral: Most programs are Unsecured (No collateral required). Equipment loans are the exception.

• Positions: We fund up to the 7th position (meaning we can fund you even if you have existing loans).

 

Borrower Eligibility (Who Qualifies)

• Time in Business: Minimum 2 months with verifiable revenue.

• Revenue: Robust cash flow required (we look at revenue, not just credit score).

• Location: Available in forty-nine States. Business must be US or Canadian based.

• Citizenship: US Citizens preferred. Permanent Residents considered (capped at $200k).

• Online Presence: Business must be viable and have a website/digital presence.

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Credit & History (The "Flexibility" Part)

• Credit Score: No Minimum FICO for most products.

  • Note: "A" Paper Lines of Credit require a 600+ median FICO with excellent and consistent business revenue.

  • Note: Pre-Revenue Startups require a 680+ Median FICO.

• Past Issues:

  • Bankruptcy: OK if discharged or dismissed.

  • Tax Liens: Isolated liens are OK.

  • Defaults: Past defaults OK with a "Zero Balance Letter."

• High-Risk Industries: Accepted. We fund Transportation, Construction, Car Sales, and more. No industry restrictions.

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Private Client Group (Private Credit & Middle Lower Market)

• $200,000- $50,000,000 with 24 hour funding available with liberal 630 median fico score.

• Capital Use Cases? New acquisitions, seasonal needs, regional scale ups, specific merchant cash advance buy-outs.

• Fast Process: Terms up to 28 months with strong and consistent cash flow and 3+ years in business.