Maybe client needed money fast- and is now more prepared for a real loan.

Real Banks will not be concerned with NSF's as much as earnings, Global Cash Flow, and Debt Service Coverage. FICO scores are a large component as it speaks to the clients credibility.

There are folks like Fundation, Credibility, Street Shares, Funding Circle, TAB Bank, Independence Bank that will do these- along with a host of other Banks that will do SBA Express.

FICO should be 650+ (though Ben at Omega is not wrong in saying 680- the better the credit the better the deal).

Client will NEED to have YTD PL and Balance within 60 days- 17/18 Corporate returns (and other Corp returns if there are multiple K-1's).

If the client is profitable, has good credit, and is organized- a real loan is very likely