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