UNSECURED WORKING CAPITAL
WHO QUALIFIES
500 FICO · BK's OK · Tax Liens OK · Bank Turndowns
We are not a bank. Our veteran underwriters review each file individually and take a hands-on approach, which means owners who have been turned down elsewhere still have options.
Meeting a guideline below does not guarantee approval, but these are the four situations we are built to work with.
500 FICO
We look at how your business performs day to day, not just at a credit score. Applicants with a FICO score of 500 or higher can qualify, and a thin or bruised credit file is not an automatic no.
ExampleA retail owner with a 520 score and steady monthly deposits is reviewed on revenue — not turned away at the door.
BK's OK
A past bankruptcy does not automatically disqualify you. Our underwriters focus on the business you are running today and how it has performed since.
ExampleA landscaping company that filed several years ago funds new equipment based on this season's contracts.
Tax Liens OK
Existing tax liens can be worked with. Tell us about the lien up front so our underwriters can review the full picture, including any repayment plan already in place.
ExampleA restaurant carrying a tax lien on a payment plan is still considered for working capital.
Bank Turndowns
Turned down by a bank? That is our specialty. Banks underwrite on credit and collateral — we underwrite on how your business actually performs.
ExampleA growing shop declined for a bank line of credit gets funded through us instead.
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