Working Capital Term Loans

580 Minimum FICO Score

$20k Min. Avg. Monthly Rev.

1 Yr Min. Time in Business

>50% Applicant’s Ownership

3 months bank statements
Must be from all banks tied to your business

Business Debt Schedule
A detailed table that lists all of your company’s long-term debt obligations

Recent Business Tax Returns
For the past two years

Copy of Voided Check
The voided check serves as an authoritative document from your bank that confirms the existence and validity of your business checking account.

California
California has very strict disclosure and compliance requirements for business lenders, and the regulatory burden makes it difficult to offer our products there.

Montana
Montana enforces tight interest rate rules and has a very small lending market, which limits our ability to operate efficiently in the state.

Nevada
Nevada has a high volume of shell-company formations, which increases fraud risk and makes it harder for us to verify and fund businesses safely.

North Dakota
North Dakota’s usury laws and enforcement restrictions prevent us from offering many of our standard lending and funding structures.

Rhode Island
Rhode Island requires extensive licensing and places limitations on fees and structures, making it difficult for us to operate under our current lending model.

South Dakota
South Dakota has some of the strictest interest rate caps in the country, which makes our lending products legally incompatible with the state.

Vermont
Vermont tightly regulates merchant cash advances and revenue-based financing, and those restrictions make it challenging for us to offer funding there.

Agriculture
Crop production, dairy farms, cattle ranching and livestock production, greenhouse/nursery/floriculture production, organic and specialty produce farms

Forestry
Timber tract operations, logging services, forest nurseries and seed collection, forest management and consulting, pulpwood and firewood harvesting

Fishing and Hunting
Commercial fishing, aquaculture and fish hatcheries, shellfish farming, hunting preserves and game ranches, wildlife trapping services

Finance and Insurance
Commercial banking, credit unions, investment advisory and wealth management, property and casualty insurance carriers, mortgage and loan brokerage

Mining
Coal mining, metal ore mining, quarrying and stone mining, oil and gas extraction, mining support activities such as drilling and exploration

Real Estate and Leasing
Residential real estate agencies, commercial property management, rental and leasing services, self-storage facilities, real estate investment trusts (REITs)

Transportation and Warehousing
Trucking and freight hauling, air transportation, maritime shipping and port services, rail transportation, warehousing and distribution centers