The following are minimum qualifications that potential customers must meet in order to go through our program.

Age: At least 35 years old and above

FICO: Target FICO score is 750, but under some circumstances a minimum score of 720 will qualify.

Mortgage: Must own your own home and have a history of mortgage payments even if your home is paid off.

Inquiries: No more than 3 in the last 90 days.

Income: Must be able to show current income via federal tax returns of at least $100K with debt of under $40K. Higher the income the higher ratio of debt allowed

Past Credit: Minimum of 3 accounts on your credit report with at least 5 years of reported credit history and at least credit limits of $10K.

Open Credit: Your balance on your credit accounts must be less than 40% of the total credit line with the exception of your mortgage and auto loans.

Late Payments: No late payments within the last 2 years.

Prior accts With banks: We work with nationally recognized banks. If you have ever had a derogatory history with a nationally known bank regardless of whether it shows up on your credit report, you will be declined business lines of credit or receive only a credit card and no business loans or lines of credit from that bank.

Other Assets: If you have retirement accounts such as an IRA or 401k, money market accounts, more than one checking account, and/or savings accounts, these accounts will enhance your chances of being approved for business credit lines. While no personal assets will be used to collateralize your loans, the banks will consider these assets when determining the amount of your credit lines.

Factors that can disqualify you from participating in this program

The following factors or situations can cause business credit to be declined and termination from the program with no refund:

1. If you have applied for any credit whatsoever for either a business or personal line within the last 90 days, you must disclose it at the time you submit an application to us. This is the number 1 reason people are turned down. Failure to disclosure any prior credit applications will cause you to be terminated from this program.
   
   
2. You must disclose if you have received any business credit from nationally known banks for any other business you own or are involved with which are still open or have been paid in full with some late payments. These accounts may cause a denial of credit. Business credit does not show up on your personal credit report. Failure to disclosure any prior business credit lines will cause you to be terminated from this program.
   
   
3. Once you have been accepted into the program, you cannot apply for any credit either business or personal, co-sign for any loans, etc. until all credit lines have completely funded. Failure to comply can cause a reversal of previously approved accounts and you will be terminated from this program.
   
   
4. If you have ever co-signed on a loan with a nationally known bank and the loan went derogatory (such as a repossessed auto) you must disclose it at the time you submit an application to us. Failure to disclosure any prior derogatory credit guarantees can cause you to be turned down for business credit and can cause you to be terminated from this program.

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