4 Product Guidelines:

SBA LOANS 1. Standard SBA 7(a) Loan ($50K - $5M) Requires at least 2 years in business with corresponding tax returns and a minimum annual revenue of $250,000. Borrowers need good personal credit (minimum FICO 660) and cannot have recent bankruptcies or open tax liens.

2. Streamlined SBA 7(a) Loan (Sub $150K) Offers potentially faster approval and funding (as little as 10 days after bank approval) with a pre-qualification minimum of 3 years in business and a 680+ FICO score. Requires un-redacted tax returns (both personal and business) and no outstanding tax liens or recent bankruptcies.

3. Bank Term Loan ($50K - $5M) Provides fast funding (typically within two weeks) with fixed annual interest rates starting at 9.99% and repayment terms of 2, 3, or 5 years. Requires a minimum of 3 years in business, a FICO score of 680 or higher, and the business must demonstrate appropriate cash flow to support loan payments.

4. Business Line of Credit ($50K - $500K) Offers fast access to flexible funds with the ability to draw funds as needed over a 24-month period and predictable monthly payments over a 36-month repayment term. Requires a minimum of 3 years in business, a FICO score of 680 or higher, and no history of excessive overdrafts on business accounts.