Underwriting guidelines

• 500 FICO

• $5-6k in monthly revenue each

month

• 4 to 6 Income deposits each month

(Depends on Industry)

• 6 months in business with no credit

card processing

• 3 months in business if business

takes credit card processing

• 67% of ownership required

• Max Negative Days: 7 days

Business Entity Criteria

• Business must have enough money in

business account to handle debt load

during and at the end of each month.

(Compensating factors do apply)

• We fund home-based businesses

• Sole proprietorships are OK 1 year in

business with business bank

statements.

• No international businesses

• Citizenship: US Citizen

(Permanent residents will be considered

for deals up to $50K)

•  Funding Amounts: $2,500 - $1,000,000

• Repayment Types: Daily, Weekly or

Twice Weekly

• Payment Types: ACH

• Repayment Duration: 3-18 months

• Tax Liens: Greater than $50k need to be

in a payment plan

• Payoffs: Up to 4 positions; must net 50%

• Credit Pull: Soft

• Credit Card Splits: Yes, in some cases

• Positions We Fund: 1st ,2nd

• COJ: Not required

• DocuSign Contracts Available on call

contracts