Funding franchises and businesses open as little as 3 months.


Underwriting Guidelines
Programs Offered
1st position – 8-12% of annualized gross receivables.
2nd position – Up to 18% of annualized gross receivables.
3rd position – 18% of annualized gross receivables.
Documents Required
● Completed application (with valid SSN, valid Tax ID, signed and dated)
● 4 most recent, consecutive bank statements.
● 4 most recent, consecutive credit card processing statements.
General UW Guidelines
● First tier – to qualify a for a 3-5 month repayment plan, merchant must be in business for 3 months, and cannot have more than 5 negative end of day balances in 1 month, and more than 12 negative end of day balances over 3 months.
● Second tier – to qualify for a 6-7 month repayment plan, the merchant must be in business for 1 year, cannot have more than 4 negative day end balances in 1 month, or more than 10 negative day end balances over 3 months.
● Merchant must provide bank login information-Bank Username and Password with security answers where applicable.
● No open bankruptcies – Any bankruptcy on record must be discharged for at least 1 day or dismissed for 1 year.
● Restricted industries include Auto Sales, Cell Phone Stores, Non-Profit Organizations.
● Merchants must have a minimum credit score of 580 to qualify for 5-7 month repayment deals.
● Tax liens/judgments: For 3-7 month deals, liens in amounts up to 10% of the merchant’s annual gross sales will be overlooked. Any lien/judgment exceeding 10% requires an active payment plan in place.
● Weekly payment plans can be offered at the Underwriters discretion.
● At the Underwriter’s discretion, Capital Partners Network can use a portion of the funded amount to bring a merchants rent or mortgage current.
● Merchants qualify for a renewal when 50% of the deal is repaid, and the merchant is a timely payer.
Monthly Deposit Guidelines (ACH)
● Merchant must deposit $8500.00 on average in to bank account
● Minimum of 5 deposits per month
● Minimum ACH advance amount of $2500.00
● Variable bank ACH offered (UW’s discretion)
Underwriting Guidelines
Monthly Deposit Guidelines (CC split)
● Merchant must deposit $5000.00 on average in to bank account
● Minimum of 10 batches per month
● Minimum CC split advance amount of $2500.00
● Variable CC split offered (UW’s discretion)
Larger Advance Requirements
● $50,000.00+ deals require an accounts receivable aging report.
● $100,000.00+ deals require an accounts receivable aging report, most current year tax return OR year to date profit and loss, and balance sheet (COJ required).
● $200,000.00+ deals require accounts receivable aging report, most current 2 years of tax returns, year to date profit and loss, and balance sheet. (COJ required).
● We are willing to pay off existing MCA balances up to $50,000.00, but merchant must net 50%
Base Stips Required
● Clear copy of current photo ID.
● Voided check.
● Landlord’s name and phone number, or mortgage statement, or cancelled checks showing payments.
● Trade references (2) required for advances exceeding $50,000.00.