Time in Business--Experience counts.  Our "standard" programs require a minimum of two (verifiable) years in business under current ownership.  Programs may be available for start-up businesses, but the credit requirements are set to a higher standard.

Trade References--We will ask for at least two and usually three companies with whom you have established trade credit (billing).  We're looking at how you've managed those obligations for other creditors

Banking Relationships--For programs other than new businesses, we want to see a total of at least two years of commercial checking account history.  We're looking at both current and average balances as well as extraordinary events like NSF's.  Balances should be sufficient to meet all lease obligations as well as the day-to-day needs of a business of similar size.

Personal Credit History--Experience has shown that, in smaller and closely held businesses, there is a significant correlation between the principal's personal credit and the overall financial well being of his/her company.  We will look for “clean credit” although we have programs for those with certain "credit challenges."  We define a "principal" as any party with a 10% or greater interest in the company.   Publicly traded, or other larger businesses, under current ownership for at least  5 years can request to be considered under one of our "corporate guarantee only" programs.