Time in business
The operating company was formed in 2023 or earlier. Three years is the line. Newer files are Track B, not a stretched story.
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Track A
Established companies. Cleanest path into underwriting.
If the company is at least three years old and someone on the file has 720-level credit, this is the lane. It is still a review, not an approval.
We are not a lender. Programs are subject to underwriting, documentation, and approval. Credit partners and aged entities, when used, must be disclosed.
Credit on the file
Someone who will be on the application has personal credit around 720 or better. “Around” is honest. A hard cutoff printed as a promise would be a lie.
A real use of funds
Equipment, vehicles, payroll, inventory, expansion, or working capital against operations you can show. Not a vacation and not a refinance of consumer debt.
Revenue you can document
Banking and returns have to match the conversation. We do not need a number on this page. Partners will need a file.
Track A is not a shortcut around underwriting.
Partners still read the bank statements. They still look at ownership. They still decide. What Track A does is keep you out of a structure conversation you do not need.
If you are close — two years, or credit in the high 600s — do not force Track A. Read Track B. A disclosed credit partner or an aged corporation is cleaner than a file that pretends to be seasoned.
If you have the years and the credit and you still want to understand Track B, that is fine. It is optional. It is not a requirement we tack on to pad a deal.
Next step
If Track A is you, the next step is a fifteen-minute call.
Fifteen minutes. No theater. We map Track A or Track B, or we tell you this desk is not the right room.
We are not a lender. Programs are subject to underwriting, documentation, and approval. Credit partners and aged entities, when used, must be disclosed.