Credit Criteria

$5,000 - $35,000
- 2+ years in business under current ownership
- Clean Credit Bureau Report on all owners

$35,001 - $75,000
- 4+ years in business under current ownership
- Clean Credit Bureau Report on all owners

$75,001 - $100,000
- 5+ years in business under current ownership
- Clean Credit Bureau Report on all owners

$100,001 - $150,000
- 7+ years in business under current ownership
- Clean Credit Bureau Report on all owners

All transactions require the following characteristics:
- Clean Dun & Bradstreet Report.  If a report is not available or is limited, full financials may be requested. If equipment is income producing or hard collateral, U.S. Bank may consider accepting 100% comparable credit.
- Personal guarantees of all owners will be required unless a company clearly exhibits that personal guarantees would be unnecessary as determined by U.S. Bank.

Other Considerations

- Full financial disclosure required for all transactions over $150,000. (2 years tax returns or accountant prepared statement)
- Full financial disclosure may be requested on any transaction regardless of dollar amount to complete the underwriting process
- Maximum working capital allowance is 25% of hard equipment cost

Fill-out the application

In order to start the process, please download the application. Once application has been filled out, please submit by fax or e-mail.