Funding by industry
Every industry below is an eligible category, with its own page for each of the 47 states we fund and for major metros.
Industry is rarely what decides a file. Average daily balance against revenue, time in business, negative days and NSFs, and existing positions are.
What is restricted
New residential construction, residential remodelling, long-distance (TL or LTL) trucking, used car dealers, and real estate agents, brokers, managers or lessors.
Sole proprietors are eligible. Non-profits are not, and 50% or more ownership is required.
The published thresholds
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Questions
Which industries do you fund?
Every category listed on this page. Restricted: new residential construction, residential remodelling, long-distance trucking, used car dealers, and real estate agents, brokers, managers and lessors.
Which states are excluded?
Vermont, North Dakota and South Dakota.
What credit score is needed?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.