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Approved Industry Types

AND MINIMUM QUALIFICATIONS

Business Types We Lend To

Through exclusive relationships with community banks across the country, we can provide industry-leading loan products to a wide array of business types. We’ve separated these industries into two groups, preferred (B2C) and expanded (B2B). Each group has slightly different minimum underwriting criteria. 

PREFERRED INDUSTRIES – B2C

Acute Care Facility

Cancer Radiology Center

Food Gift Basket Store

Pharmacy

Auditory Center

Candy Store

Food Popcorn Store

Photo Studio

Automotive Parts Store

Car Wash

Grocery Store

Physical Rehab

Automotive Repair

Cheese Store

Hair Salon

Printing & Publishing

Automotive Services

Chiropractor

Hardware Store

Prepackaged Meals

Bakery

Cigar Store

Home Healthcare

Quick Copy/Printing

Caterer

Coffee Shop

Hospital

Restaurant

Bar

Cosmetic Surgery

Hotel

Retail Store – Other

Barber Shop

Dentist

Motel

Salon – Spa

Bed & Breakfast

Diagnostic Imaging Center

Nail Salon

Smoothie Shop

Bicycle Shop

Diner

Nutritional & Dietary Supplies

Sporting Goods Store

Book Store

Doctor

Orthodontist

Urgent Care Facility

Bowling Alley

Endodontist

Periodontist

Veterinarian

Cafe

Florist

Pet Store

EXPANDED PORTFOLIO INDUSTRIES – B2B

Accountant

Commercial Landscaping Design

Electronics Manufacturing

Medical Equipment & Supplies

Aerospace

Communications Company

Engineer

Professional Sports Arena

Alternative Energy Production

Computer Software

Food Manufacturing

Radio Station/Services

Architect

Defense Contractor

Food Processing & Sales

Sports Equipment & Services

ATV/Golf Cart Dealer

Defense Electronics

IT Hardware Sales

Steel Fabricator

Bottling & Distribution

Distillery

IT Services

Steel Production

Chemical Manufacturing

Drug Manufacturing

Legal Services

Telecom Services & Equipment

Commercial Cleaning Services

E*Commerce

Meat Processing & Products

Textiles

Tractor & Lawn Mower Sales

Waste Management

Wholesale

Winery

Minimum Underwriting Criteria

Underwriting Criteria Expanded Portfolio Industries – B2C:

  • Must have commercial office space or warehouse

  • Open and operating for at least two years (24 months)

  • Minimum annual sales of $200,000 ($17,000 monthly)

  • Guarantor with personal Equifax credit score of 601 or higher

  • Client may have a maximum of 2 outstanding cash advances

  • Merchants may qualify for up to $500,000 (single-entity)

  • Merchants may qualify for up to $750,000 (multi-entities)

  • Loan repayment terms from 12 to 36 months

  • No review of tax returns or financial statements required

Underwriting Criteria Preferred Industries – B2C:

  • Must be brick and mortar business, no home-based

  • Open and operating for at least one month (30 days)

  • Minimum annual sales of $200,000 ($17,000 monthly)

  • Guarantor with personal Equifax credit score of 551 or higher

  • Client may have a maximum of 2 outstanding cash advances

  • Merchants may qualify for up to $500,000 (single-entity)

  • Merchants may qualify for up to $750,000 (multi-entities)

  • Loan repayment terms from 12 to 36 months

  • No review of tax returns or financial statements required

RESTRICTED BUSINESS TYPES

  • Adult Entertainment/Materials

  • Building Services

  • Drug Abuse Rehabilitation Centers

  • Horoscope / Fortune Telling

  • Advertising/Public Relations

  • Cable & Satellite TV Production

  • Drug Detox

  • Insurance & Related Services

  • Agriculture/ Agricultural Services

  • Call Centers & Answering Services

  • Drug Paraphernalia & Dispensaries

  • Investment Opportunities and Advice

  • Appraiser & Real Estate Consultants

  • Clothing Manufacturing

  • Factoring & Receivable Financing

  • Jewelry Stores

  • Attorney or Law Firm

  • Coin & Precious Metal Sales

  • Financial Transaction Processing

  • Lessors of Real Estate

  • Auto Dealers – New & Used (Car Sales)

  • Collection Agencies & Debt Buyers

  • Flea Markets

  • Logging, Timber & Paper Mills

  • Auto or Aircraft Rental/Charters

  • Commercial Inspection Services

  • For-Profit Education

  • Lotteries/Raffles/Gambling

  • Bail Bonding

  • Construction

  • Fundraising Services

  • Marinas

  • Banks, Credit Unions, Non-Bank Lenders

  • Construction Services / Sub-Contractors

  • Furniture Stores

  • Marketing / Advertising Agencies

  • Boat Dealers- New & Used

  • Credit Repair, Protection

  • Gas & Oil

  • Money Service Businesses

  • Builders/ Residential or Commercial

  • Dairy

  • General Contractors

  • Motorcycle Dealers – New & Used

  • Building Equipment

  • Debt and Tax Reduction Services

  • Gyms / Personal Trainers

  • Movie Theater/ Playhouse

  • Building Inspection Services

  • Direct Mailing & Fulfillment Houses

  • Home-based Businesses

  • Natural Gas Pipelines

  • Building Materials

  • Discount Travel Clubs / Subscriptions

  • Home Improvement / Renovation

  • Newspaper, Magazine, Book Publishing

  • Online Auctions

  • Pain Pill / Pain Management Doctors

  • Parking Lots & Garages

  • Pawn Shops / Consignment

  • Payroll Companies

  • Podcast Producer

  • Podiatrists (Foot Doctors)

  • Property Managers

  • Real Estate Brokers or Agencies

  • Recruiting, Temporary Help & Staffing

  • Religious Organizations

  • Residential Rehabilitation

  • Securities & Commodities Brokers

  • Shipping and Logistic Companies

  • Tattoo / Piercing Shops

  • Tax Preparation Services

  • Telemarketing & Lead Generation

  • Travel Agencies & Tour Operators

  • Trucking

  • TV Station Services

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