You will not be eligible for a loan if you fail to meet any of the following criteria:


  • Minimum credit score of 600.
  • Free of active bankruptcies for the last three years.
  • Free of foreclosure for the last twelve months.
  • Mortgage and rent payments for home and business must be current at time of application.
  • Mortgage must not be in the process of restructure or modification.
  • Must be current on all vehicle loans.
  • Must be free of all tax liens.
  • Business must not be involved in the adult entertainment, multi-level marketing, or gambling business.
  • Can not have any outstanding judgments.
  • All student loans must be in good standing.
  • Borrower can not have any non-medical collections within the last six months.
  • You must be personally responsible for the repayment of the debt.
  • You must have collateral to pledge for this loan that is free and clear of any liens.
  • You and your business must be able to afford the additional debt payment for this loan.
  • If your business has less than six months of documented operating revenue, your business will be considered a startup. If your business is a start-up, we will require an existing outside source of income, other than your new business, that can cover your personal debts and expenses, as well as anticipated business rent.
  • All parties owning 20% or more of the business will be required to sign on the promissory note and provide a personal guaranty.

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