Approved Industry Types
AND MINIMUM QUALIFICATIONS

Business Types We Lend To

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

Preferred Industry Types

  • Acute Care Facility
  • Auditory Center
  • Automotive Parts Store
  • Automotive Repair
  • Automotive Services
  • Bakery / Caterer
  • Bar/Tavern
  • Barber Shop, Hair Salon
  • Bed & Breakfast
  • Bicycle Shop
  • Book Store
  • Bowling Alley
  • Café in Fitness Center
  • Cancer Radiology Center
  • Candy Store
  • Car Wash
  • Cheese Store
  • Chiropractor
  • Cigar Store
  • Coffee Shop
  • Cosmetic Surgery
  • Dentist, Orthodontist
  • Diagnostic Imaging Center
  • Doctor
  • Dry Cleaner
  • Florist
  • Food Gift Basket Store
  • Food Popcorn Store
  • Grocery Store
  • Hardware Store
  • Home Healthcare
  • Hospital
  • Hotel / Motel
  • Pet Store
  • Pharmacy
  • Photo Studio
  • Physical Rehab
  • Prepackaged Meals
  • Quick Copy/Printing
  • Restaurant
  • Retail Store – Other
  • Smoothie Shop
  • Spa
  • Sporting Goods Store
  • Urgent Care Facility
  • Veterinarian
  • Smoothie Shop
  • Spa
  • Sporting Goods Store
  • Urgent Care Facility
  • Veterinarian

Expanded Portfolio Industry Types

  • 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
  • Nutritional & Dietary Supplies
  • Pharmaceuticals & Health Products
  • Printing & Publishing
  • 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 Qualification Requirements

Underwriting Criteria Preferred Industries:

Underwriting Criteria Expanded Portfolio:

  • 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