Our initial documents consist of 3 years of Personal, Business, and Affiliates (20% ownership) of the tax returns, Personal Financial Statement, and Debt Schedule. We may require additional documents and information to fully review and understand the transaction.

Our Initial Document List can be found in the Home & Loan sections of our website.

We often receive questions from the applicants for the initial documents. We offer assistance on how to write the initial documents with the understanding of the Balance Sheet, Income Statement, and Cash Flow. Additional information may be requested while reviewing the documents.

No, we do not have minimum credit score requirements up to $100,000. Our microloan is intended to offer businesses in financially underserved areas to help and assist the business owners.

It varies on the types of loans that the applicants are applying. Typically, lenders like to secure the loan amount through the applicant’s business and collaterals but sometimes it only requires a personal guarantor.

Definitely! We can help not only with refinancing existing debt but also the additional loans with debt refinancing if you would like to expand your business. For debt refinancing, more than 85% of the current debt should have been used to acquire fixed assets (land and building with improvements and machinery and equipment) and be current with the debt payment.

The Operating Company must occupy the project property during the term of the loan with the occupancy requirements.