1. You need more than 695 or higher FICO Score to qualify of $10,000 - $60,000.

2. If Fico Scores are between 700 and 850, then qualified of $25,000 - $150,000.

3. If Fico Scores are between 800 and 950, then qualified of $50,000 - $300,000.

4. You must NOT have bankruptcies, judgments, garnishments, foreclosures, and etc., and etc. listed on your personal credit report.

5. You must be employed for at least (1) year with employer, and your income must be at least $30,000+

6. You must have a Personal Checking Account in your full name.

7. Your Debt to income Ratio must be at least 75% - 100% for high credit lines. Fewer than 70% will be qualified for lower lines.

8. If your Debt Ratio is lower than 50%, you will not be qualified for large lines, but can be approved respectively.

9. You must have TAX RETURNS available that lender shall require the first 1-4 pages for review and confirmation of client's ability to repay.

*Your Minimum Business Credit needed and other Requirements:

1. Requirements are the same as personal above with the exception to the client having a Dun & Bradstreet Paydex Scores of 65 to 80 to qualify for higher lines of credit.

2. Lower than 65 Dun & Bradstreet Paydex Scores are not usually approved if lower than 40%.

3. If those up to 50 or 55 will be considered for lower lines of credit.

*Application Fee

$375.00 for all loans of credit up to $85,000

$750.00 for all loans of credit over $90,000

*Credit Report Fee

$85.00 for all applicants

You should know that you are guaranteed to be approved if you meet the requirements above. Do not worry about the fees. We will try to contact you via e-mail within 24 hours.