At least 1 years in business for most businesses §  Annual Sales/Revenue > $250,000

§  At least 2 full time employees other than the owner

§  FICO > 630

§  t least 2 years of “clean” personal and business credit history

§  No personal or business bankruptcies within the last 3 years

§  Limited unresolved personal or business tax liens

§  No current delinquencies on business loans

§  No home based businesses