[Older Guy]

Our loans fall into several main categories:

Revenue Based Loans - Revenue based loans have a term of four months to twenty-one months and are solely reliant on the most current four months of bank statements. Rates are from 28% up to 45% Payments are done by daily draw five days a week, although, in some instances, weekly draws are possible. Revenue Based Loans require a minimum of $7,500 in monthly deposits. Up to $2 million per loan.

Hybrid Loans - Hybrid loans have interest rates of approximately 22% and terms ranging from twelve months to twenty-one months with a minimum loan amount of $25,000. Businesses are eligible for up to 15% of annual GROSS income. Hybrid loans require a sole proprietorship, corporation or LLC in business for more than one year, an Experian Fico score of 570 or higher, most current four months of business banking statements, one year business tax return, and most current four months of merchant credit card statements, if applicable.

Term Loans - Term loans have a term of one to five years (they typically run two to three years) and have a minimum loan amount of $25,000. Businesses are eligible for up to 30% of annual GROSS revenue in funding with the loan being renewable every 6 months. Interest rates can range from 5% up to 20%. In order to qualify for a Term Loan, you will need a 620 Experian Fico score, to have been in business for two or more years, and will need to show $150,000 in GROSS revenue on your last tax return. S Corp, C Corp of LLC only. Can be Sole Prop if filed for Corp or LLC and have bank acct.

NOTE: If you are applying for a Term Loan, please also provide last six months of business banking statements, two years of business tax returns, and most current personal tax return, as the underwriters will need those to arrive at a proper loan decision.

Term Loans - 600 Fico to 620 Fico 1 - 4 years, 10% up to 19% Same stips as 620 Fico term loan. Some industries and states are ineligible.

Start up program: This is a pre-loaded credit card....Amounts from $25,000 up to $250,000 needs a 685 Fico score to qualify.

SBA 7A program....Rates from 3.5% up to 7.25% 10 year term. $30,000 up to $350,000 Under $150,000 600 Fico, over $150,000 650 Fico.

Veterans who own their own business - Term Loan 600 Fico term 1 - 4 years, Rates 10% up to 19% 1+ years in business. Revenue $3,000 up to $150,000

Debt Consolidation - can consolidate all working capital loans with a total to $100,000. Lower payment.