Life Capital is a direct lender that takes pride in our open-ended underwriting. We like to look at every deal as a whole, so that means none of your deals will ever get declined due to one single aspect not meeting underwriting criteria. Here is some information about our 1st, 2nd, and 3rd position programs:

1st position deals:
• Life Capital Premium Product for B and C paper with rates starting at 1.20
• Up to 12 month terms and no cap on funding amount.
• We will consolidate balances if the numbers make sense. Merchant has to net 50% of funding amount.
• Additional funding before renewal period available in the form of an add-on that won’t require existing balance consolidation.
• We do CC and Lockbox deals.
• We fund all 50 states including Puerto Rico.
• Same day commissions: 20% of RTR.
• Ability to upsell the offer by up to 14 points.


2nd and 3rd position deals:
• Get A paper rates for B and C paper deals through our Life Capital premium product.
• Premium product rates:
-2 month term: 1.20
-4 month term: 1.25
-6 month term: 1.35
• Same day commissions: 6% of funding amount on 2nd positions and 5% of funding amount on 3rd positions.