I have a Pool/Decking Contractor looking for a term loan (3-5 years). He is looking for around 200-250K to payoff a real estate loan. He has been in business 17 years, FICO 673, average monthly income is $127,816, no NSFs, ADB 9-20K. He is willing to put up real estate. WBL does not work because the term length would make it too expensive. Loan Me will not work for the same reason.