Loan Products
Below is a chart of loan products and requirements.
| Business Profile | Cash Advance | Traditional | Alternative | Bank Only | Express |
|---|---|---|---|---|---|
| Time in Business | N/A | 1 Year + | 2 Years + | 2 Years + | 1 Year + |
| Credit Cards Accepted | 3 Month Minimum | 3 month minimum | Not requried | Not requried | Not requried |
| % Ownership Required | 51% | 80% minimum | 50% minimum | 50% minimum | 50% minimum |
| Owner(s) Personal Credit | 580 + | 600 + | 500 + | 620 + | 500 + |
| Cash Flow Profile | |||||
| Estimated Year Revenue | $150k + | $150k + | $300k + | $150k + | $100k + |
| Minimum Avg. Bank Balance/Month | N/A | $5k | $3k | $3k | $1k |
| Minimium Ending Bank Balance (Current Month) | N/A | $5k | $0 | $3k | $0 |
| # of Negative Days Accepted | N/A | Up to 3/month; up to 6 in 3 consecutive Months | Up to 6/month; up to 10 in 3 consecutive Months | Up to 3/month; up to 6 in 3 consecutive Months | Up to 3/month |
| Number of Insufficient Funds Incurred | N/A | Up to 5/month; Up to 10 in 3 consecutive months | Up to 10/Months; Up to 20 in 3 consecutive months | Up to 5/months, Up to 10 in 3 Consecutive months | Up to 10/Month |
| Required Transactions/Avg. Month Volume | 20 CC Swipes/$3K | 20 CC Swipes/$3K | 100 CC Swipes & $10k or 5 Bank Deposits | 5 Bank Deposits | 5 Bank Deposits |
| Deal Maximum | |||||
| Maximum Loan Amount | $350,000 | $150,000 | $75,000 | $100,000 | $35,000 |
| Maximum Terms | 18 Months | 18 Months | 9 Months | 12Months | 6 Months |
| Equity Loans | |
|---|---|
| Maximum Loan Amount | $1,000,000 |
| Maximum Term | 3 Years |
| Minimum Loan Amount | $50k |
| Minimum Term | 6 Months |
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