1. Misión
“Nuestra misión es crear un modelo de empresa que satisfaga las necesidades de las familias y las empresas. Creemos fielmente en promover servicios de orientación y capacitación profesional”

2. Small Business Loans & Merchant Cash Advance

3. Small Business Loans Merchant Cash Advance
Ideal for businesses with sufficient bank balances
Automated fixed repayments from bank account
Minimum $1,500 average daily bank balance
Minimum 9 months in business
Perfect for businesses that accept debit or credit cards and prefer flexible repayments
Automated repayment via a small, fixed percentage of daily card sales
No need to switch merchants’ payment card processor
Minimum $4,000 per month in debit/credit card sales
Minimum 9 months in business

4. Businesses Processed Liquor Stores Lodging Medical Practices
Automotive Repair
Bakeries
Barber Shops
Bar/Nightclubs
Beauty Salon
Book Stores
Car Washes
Clothing Stores
Coffee Shops
Day Spas
Dental Practices
Entertainment Establishments
Trucking
Must gross >500K yearly Revenue
Construction >500K yearly Revenue
Liquor Stores
Lodging
Medical Practices
Manufacturers
Nail Salons
Pet Stores
Restaurants
Sporting Goods
Transportation
Veterinary Practices
Jewelry Stores
Bridal Shops
Florists
Party Rental

5. RESTRICTED INDUSTRIES
TRUCKING
Must be owner operated
Minimum 3 trucks owned or leased
Maximum term of 12 months
Minimum insurance of $750,000
Maximum funding of $100,000
Minimum 3 years TIB
Construction &
Contractors
Maximum tax liens of $3,000
Maximum term of 9 months
Loans < $50,000: Min. 2 years TIB
Loans > $50,000:
Min. 5 years TIB +
12-months bank statements + Financials

6. Restricted Industries AVAILABLE on 10/01/2018

7. Businesses NOT Processed
Adult Entertainment
Cannabis Growers & Sellers
Class 3 Weapons Dealer
Entertainment & Event Ticket Sales
Financial Product Companies
Land Brokers
Bail Bonds
Collections
Mortgage
Pawn Shops
Payday Loans
Stock
Titles
Land Subdivision
Mail Box Stores (Pack & Ship)
Mining
Multi-Level Marketing
Non-Profit
Oil (Drilling/Fracking, Heating)
Publicly Traded Companies
Roofing
Site Preparation
Used Car Dealerships

8. Program Features Fast Funding within 14 to 21 days
Easy payback process – fixed percentage of sales or fixed amount options
No financials required under $100,000
No application fees
Approvals in as little as 36 to 48 hours
Factoring fees are tax deductible
No collateral required
Builds business credit
Offers available in 36 to 48 hours

9. Specific Qualifications
In business, under the same owner, for at least 9 months
At least 1 year remaining on business lease, or owns the location
Acceptable personal FICO score of 620 or greater for business loan
No large tax liens, open judgments or business bankruptcies
Minimum $1,500 average daily bank balance

10. Merchant Cash Advance REQUIREMENTS for Approval
Advantage
Preferred
Premier
Minimum Funding Amount
$4,000
Maximum Funding Amount
$150,000
1Million
Maximum Term
7 Months
12 Months
18 Months
% of Ownership
50%
Time in Business
9 Months
1 Year
2 Year
Fico Score
600
640
Average Daily Balance -
$1,500
Negative Days 12 6 3
Chargeback Ratio 1%
Average Credit Card Volume
$4,000 per Month
Holdback
Up to 35%
Minimum # of Batches
10 per Month
Minimum Transactions per Month
25($500-Average) or 50 any size

11. Small Business Loan REQUIREMENTS for Approval
Advantage
Preferred
Premier
Minimum Funding Amount
$10,000
Maximum Funding Amount
$150,000
1Million
Maximum Term
7 Months
12 Months
18 Months
% of Ownership
50%
Time in Business
9 Months
1 Year
2 Years
Fico Score
600
640
Bank Statements
3 Months
Average Daily Balance
$1,500
Negative Days 3
Chargeback Ratio 1%

13. Submission Package
General Authorization Form Completed and signed by all owners making up a minimum ownership of 50 % , 51% for some states*
Must provide Employer Identification Number (EIN)
Merchant/Processing Statement (must include summary section as well as the breakdown of all daily deposits)
Loan (if merchant accepts debit/credit cards): Most recent month
Advance: Most recent 4 month, or 12 months for approvals over $100k or payback longer than 10 months
Bank Statements (complete)
Loan: Most recent 6 months
< $250k if business fluctuates (including Seasonal/MOTO/conditional/Internet): Most recent 6 months plus one from each quarter for the last year
> $250k: Most recent 6 months plus one from each quarter for the last year
Advance: Most recent month
> $100k or payback longer than 10 months, most recent 12 months
Driver’s License:
For all owners and signers on the bank account totaling minimum ownership 50% , 51% for some states*
Voided Business Check: Name on the check must match legal business name or dba (Sole Prop.)
Proof of Ownership Percentages of All Applicants Showing Minimum Ownership Percentage i.e. Operating Agreement (LLC), Schedule K (C Corp) or Business License (Sole Prop.) listing applicant
Proof of Tax Payments
> $100k: Must be current with both payroll taxes, sales taxes, and occupancy taxes (if applicable)
Financial Statements
> $100k: Last year of corporate financials (or tax return) as well as interim financials (balance sheet, profit & loss statement, income statement) for current calendar year to present

14. Business to Consumer
Business to Business
Food Services
Retail
Personal Services
Hospitality
Healthcare
Automotive
Manufacturing
Forestry
Construction
Transportation
Distribution