I think there needs to be some explanation when it comes to risk.

In my experience- High Risk are industries in the "High Risk" category like transportation, auto, adult etc... Credit score (personal and business), and financials. All because a biz owner needs additional capital doesn't mean they are high risk- and sometimes the industry doesn't make them high risk either (example- I have transportation and construction that do upwards of $1MM a mo which bumps them up a tier or two).

What I am trying to ask everyone- what does your company consider HIGH RISK? There is a lot that changed and some won't fund the same files as they did last year and some have become more lenient. ** this is a question to answer and discuss in order to educate- not a means for you to promote wildly.