Criteria
Term Length per Draw
Repayment Frequency
First Position
(Clean File)
2nd and 3rd Position
(Stack)
Business Segments
Non Eligible Industries
Minimum Revenue
Minimum Average Monthly Bank Balance
Minimum Time in Business
Owner's personal credit
NSF, Overdraft and Bounced Checks
Existing Liens
Tax Liens
Entity Registration
Connected Accounts
Restricted States
Value
6 Months
Weekly
$5,000 - $250,000
$5,000 - $250,000 (typically ~80% of what the first position offer would have been)
B2C, B2B or B2G
Gambling
Pornography
Political campaigns
Legal and illegal substances (inc. medicinal marijuana)
Firearms
Tobacco
Agriculture
Financial institutions and lenders
Insurance companies
Car Dealerships
$20,000 / month over past 3 months
$1,000
6 months in business
620+ FICO
Maximum of 2 days in current month or 5 days during the past 2 months
We WILL lend in 2nd or 3rd position up to $250K
No restrictions for credit lines up to $35K.
For credit lines $36K - $250K, proof of payment plan is required.
For non sole proprietors, entity must be registered and in good standing with relevant secretary of
state registrar
While not mandatory, connection to the merchant's online bank account and/or accounting software
is highly desired
South Dakota, North Dakota and Vermont
Criteria
Term Length per Draw
Repayment Frequency
First Position
(Clean File)
2nd and 3rd Position
(Stack)
Business Segments
Non Eligible Industries
Minimum Revenue
Minimum Average Monthly Bank Balance
Minimum Time in Business
Owner's personal credit
Entity Type
NSF, Overdraft and Bounced Checks
Existing Liens
Tax Liens
Entity Registration
Connected Accounts
Restricted States
Value
12 Months
Monthly
$30,000 - $250,000
$30,000 - $250,000 (typically ~80% of what the first position offer would have been)
B2C, B2B or B2G
Construction
Gambling
Pornography
Political campaigns
Legal and illegal substances (inc. medicinal marijuana)
Firearms
Tobacco
Agriculture
Financial institutions and lenders
Car Dealerships
$45,000 / month over past 3 months
$5,000
2 years
670+
LLC or Corporation (No sole props)
Maximum of two days in current month or 5 days during the past 2 months
We WILL lend in 2nd behind one lien from a bank, SBA, factoring, or floor plan loan.
We WILL lend behind all equipment liens.
Proof of payment plan is required.
Entity must be registered and in good standing with relevant secretary of state registrar
While not mandatory, connection to the merchant's online bank account and/or accounting
software is highly desired
South Dakota, North Dakota and Vermont
Criteria
First Position
(Clean File)
2nd (Behind bank, SBA, factoring, equipment)
(Stack)
2nd+ Position
(Stack)
Business Segments
Non Eligible Industries
Minimum Revenue
A/R Schedule
Debtors
Minimum Average Monthly Bank Balance
Minimum Time in Business
Owner's personal credit
NSF, Overdraft and Bounced Checks Policy
Existing Liens
Tax Liens
Entity Registration
Connected Accounts
Supported Geography
Value
$20,000 - $5,000,000
$200,000 - $600,000
$20,000
B2B or B2G
Healthcare providers paid by 3rd parties (e.g., by Medicare, HMOs)
Gambling
Pornography
Political campaigns
Legal and illegal substances (inc. medicinal marijuana)
Firearms
Trucking (who use brokers)
Financial institutions and lenders
Agriculture
Car Dealerships
Approx. $40,000 / month or $500,000 / year
15 to 90 days
Companies with at least $10M in revenue; or the government
None
3 months
530+
No restrictions
First UCC position is required with the exception of bank liens, SBA liens, and
equipment liens.
Liens from other factoring companies are not allowed.
Proof of payment plan is required
For non sole proprietors, entity must be registered and in good standing with relevant
secretary of state registrar
While not mandatory, connection to the merchant's online bank account and/or
accounting software is highly desired
Nationwide, all 50 states