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Lending Guidelines

Minimum Criteria
NO Upfront Fees

■ 3 months in business. Start ups require No revenue.

■ $12,000 revenue PER MONTH for the last 3 months

■ Max overdrawn days allowed in one month: 7

■ No Time In business for personal loans and no business revenue needed. Private In-House Program from $25,000 to $550,000

■ Current 4 months of business bank statements

Terms and Conditions

■ Funding amounts: $12,000 - $25,000,000 mm

■ Repayment Types: daily, weekly, bi-weekly, monthly, bi-monthly

■ Past defaults ok with zero balance letter

■ Repayment duration: 3-60 months

■ Isolated Tax liens: OK

■ Past bankruptcy: OK if discharged or dismissed

General Information

■ No minimum FICO score

■ Credit pull: soft

■ No cost to apply-Serious Businesses and Consumers Only

■ Most loan products are UNSECURED, with the exception of equipment loans **

■ No collateral required

■ Full suite of over 20 financial lending products available

■ Revenue and credit based products available

■ Home-based, online, LLC, sole-proprietorship, and partnership: OK

■ High risk: OK (Transportation, grow house, construction etc)

■ Citizenship: USA (Permanent residents considered.. up to $50K max)

■ Business must be US based

■ No industry restrictions 

■ Loan positions we fund: 1st-6th

DocuSign contracts available

■ Available in all fifty  states

■ Businesses must be viable and have some website presence

■ Robust cash flow required with no credit score

■ The expense (Interest or factor rate) of the loan is a tax write-off **

**Equipment financing and advances are secured by the equipment. 

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