Qualification is based on historical average monthly electronic payment sales volume, not on cash flow coverage. These qualifcations are for medical receivables and factoring. Leasing & commercial finance have different requirements.

• Minimum FICO score of 475
  

• Minimum of $5,000.00 sales per month with credit cards. If you do not accept credit cards, minimum of $100,000.00 per year in sales.

• 90 days in business if you take credit cards. If you do not take credit cards, minimum of one year in business.

• No bankruptcies in the last two years

• If there are any judgements on your credit report, we will need proof of resolution or a payment plan in place

• If you have any IRS liens, we will need proof of a payment plan in place for the last 90 day
  

• 5 or less NSFs per month in the last 6 months