Approved Industry Types
AND MINIMUM QUALIFICATIONS
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Business Types We Lend To

Through exclusive relationships with community banks across the country, we can provide industry-leading loan products to a wide array of business types. We’ve separated these industries into two groups, preferred (B2C) and expanded (B2B). Each group has slightly different minimum underwriting criteria. See below:

PREFERRED INDUSTRIES – B2C
  • Acute Care Facility
  • Auditory Center
  • Automotive Parts Store
  • Automotive Repair
  • Automotive Services
  • Bakery
  • Caterer
  • Bar
  • Barber Shop
  • Bed & Breakfast
  • Bicycle Shop
  • Book Store
  • Bowling Alley
  • Cafe
  • Cancer Radiology Center
  • Candy Store
  • Car Wash
  • Cheese Store
  • Chiropractor
  • Cigar Store
  • Coffee Shop
  • Cosmetic Surgery
  • Dentist
  • Diagnostic Imaging Center
  • Diner
  • Doctor
  • Endodontist
  • Florist
  • Food Gift Basket Store
  • Food Popcorn Store
  • Grocery Store
  • Hair Salon
  • Hardware Store
  • Home Healthcare
  • Hospital
  • Hotel
  • Motel
  • Nail Salon
  • Nutritional & Dietary Supplies
  • Orthodontist
  • Periodontist
  • Pet Store
  • Pharmacy
  • Photo Studio
  • Physical Rehab
  • Printing & Publishing
  • Prepackaged Meals
  • Quick Copy/Printing
  • Restaurant
  • Retail Store – Other
  • Salon – Spa
  • Smoothie Shop
  • Sporting Goods Store
  • Urgent Care Facility
  • Veterinarian
EXPANDED PORTFOLIO INDUSTRIES – B2B
  • Accountant
  • Aerospace
  • Alternative Energy Production
  • Architect
  • ATV/Golf Cart Dealer
  • Bottling & Distribution
  • Brewery
  • Building Equipment
  • Building Materials
  • Business Services
  • Cable & Satellite TV Production
  • Chemical Manufacturing
  • Commercial Cleaning Services
  • Commercial Inspection Services
  • Commercial Landscaping Design
  • Communications Company
  • Computer Software
  • Defense Contractor
  • Defense Electronics
  • Distillery
  • Drug Manufacturing
  • E*Commerce
  • Electronics Manufacturing
  • Engineer
  • Food Manufacturing
  • Food Processing & Sales
  • For-profit Education
  • IT Hardware Sales
  • IT Services
  • Legal Services
  • Meat Processing & Products
  • Medical Equipment & Supplies
  • Professional Sports Arena
  • Radio Station/Services
  • Sports Equipment & Services
  • Steel Fabricator
  • Steel Production
  • Telecom Services & Equipment
  • Textiles
  • Tractor & Lawn Mower Sales
  • Waste Management
  • Wholesale
  • Winery

Minimum Underwriting Criteria

Underwriting Criteria Preferred Industries – B2C:

Underwriting Criteria Expanded Portfolio 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
  • 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
RESTRICTED BUSINESS TYPES
  • Adult Entertainment/Materials
  • Advertising/Public Relations
  • Appraiser & Real Estate Consultants
  • Attorney or Law Firm
  • Auto Dealers – New & Used (Car Sales)
  • Auto or Aircraft Rental/Charters
  • Bail Bonding
  • Banks, Credit Unions, Non-Bank Lenders
  • Boat Dealers- New & Used
  • Builders/ Residential or Commercial
  • Building Inspection Services
  • Call Centers & Answering Services
  • Clothing Manufacturing
  • Coin & Precious Metal Sales
  • Collection Agencies & Debt Buyers
  • Construction
  • Construction Services / Sub-Contractors
  • Credit Protection, Restoration, Repair
  • Dairy
  • Debt and Tax Reduction Services
  • Direct Mailing & Fulfillment Houses
  • Discount Travel Clubs / Subscriptions
  • Drug Abuse Rehabilitation Centers
  • Drug Detox
  • Drug Paraphernalia & Dispensaries
  • Factoring & Purchase Order Financing
  • Financial Transaction Processing
  • Flea Markets
  • Fundraising Services
  • Furniture Stores
  • Gas & Oil
  • General Contractors
  • Gyms / Personal Trainers
  • Home-based Businesses
  • Home Improvement / Renovation
  • Horoscope / Fortune Telling
  • Insurance Related Activities / Services
  • Investment Opportunities and Advice
  • Jewelry Stores
  • Lessors of Real Estate
  • Logging, Timber & Paper Mills
  • Lotteries/Raffles/Gaming/Gambling
  • Marinas
  • Marketing / Advertising Agencies
  • Money Service Businesses
  • Motorcycle Dealers – New & Used
  • Natural Gas Pipelines
  • Newspaper, Magazine & Book Publishing
  • Online Auctions
  • Pain Pill / Pain Management Doctors
  • Parking Lots & Garages
  • Pawn Shops / Consignment
  • Payroll Companies
  • Podiatrists (Foot Doctors)
  • Property Managers
  • Real Estate Brokers or Agencies
  • Recruiting, Temporary Help & Staffing
  • Religious Organizations
  • Residential Rehabilitation
  • Securities & Commodities Brokers
  • Shipping and Logistic Companies
  • Tattoo / Piercing Shops
  • Tax Preparation Services
  • Telemarketing and Lead Generation
  • Travel Agencies & Tour Operators
  • Trucking
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