$10,000 - $49,999

• 2+ years time in business, present control
• Credit bureau reports, 5 year history, no derogatory information, minimum of 7 satisfactory trade lines
• Personal guarantee required with a Fair Isaac FICO of 650 or higher
• Bankruptcy DAS score cannot exceed 650
• Less than 10 inquiries within the last 6 months/ less than 5 within the last 30 days
• Dun and Bradstreet report reviewed
• Clear major trade references

• 3+ years time in business, present control
• Credit bureau reports, 5 year history, no derogatory information, minimum of 7 satisfactory trade lines
• Personal guarantee required with a Fair Isaac FICO of 650 or higher
• Bankruptcy DAS score cannot exceed 650
• Less than 10 inquiries within the last 6 months/ less than 5 within the last 30 days
• Dun and Bradstreet report reviewed
• Clear major trade references

• 4+ years time in business, present control
• Bank reference – minimum medium 5 figure, with 3 year history
• Credit bureau reports, 7 year history, no derogatory information, minimum of 7 satisfactory trade lines
• Clean leasing and trade references
• Financial statements 2 years required, we may require the most recent interim and prior year’s comparable interim statements. If the statements are not reviewed or audited, we may request signed income tax returns including all schedules for the last two (2) years

NOTE: a complete financial statement package consists of cover sheet, CPA statement, balance sheet, income statement, cash flow statement and notes to the financials.

*** We request a personal guarantee with all submissions, but will consider without if time in business, equipment type and references warrant waiver. ***

• All inquiries in the last 30 days must be explained
• All lease inquiries in the last 90 days must be explained
• Revolving bank card balances will be reviewed in relationship to usage and availability
• Applications need to be signed by company officer and/or all personal guarantors to be processed.