| Minimum FICO Score | 675 Experian model v9 |
| Minimum SBSS (small business scoring system) | 165 |
| Time in Business | 1 year |
| Felonies Allowed | No. |
| Bankruptcy Allowed | No. |
| Use of Funds | Working Capital |
| Debt Service Coverage Ratio | Not required, but business must show at least $1 in profit (NOI) on last filed tax return |
| Taxes Owed | Installment Agreement is acceptable for up to one tax year, but tax liens must be satisfied; open 941 payroll taxes must be paid using business checking/savings |
| Closing Timeframe | 3 weeks |
| Loan Term | 10 Years |
| Loan Amount | $50,000 – $150,000. Loan amount is 50% of gross revenue on the last filed tax return up to maximum loan of $150,000 |
| Interest Rate | Prime + 3%, variable adjusting quarterly |
| Fees | 2% charged by bank rep to client; 2% charged by Broker to client; $1,500 packaging fee charged by lender to client. |
| Commission to Broker | 2%, paid by client |
