Thank you ; as, we literally utilize a Fin-Tech Platform; whereas, credit is NOT a determination for an approval; nonetheless, we deter fraud via Artificial Intelligence ( AI ) . Furthermore, the Interest Rate, may be somewhat expensive via our current economic climate; yet, affordable; and, we fund within 5 ( FIVE ) Business Days. With that said, HAPPY SUMMER 2023........... www.Mica2Mica.com