$2,000 - 24,999

• 2 years in business under current ownership
• Clean CBR*
• Clean Partial D&B**
• Low 4 average business checking dating 2 years with no NSF's or OD's
• Clean major trades dating back

$25,000 - 34,999

• 3 years in business under current ownership
• Clean CBR*
• Clean Partial D&B**
• Medium 4 average business checking Dating 2 years with no NSF's or OD's
• Clean major trades dating back

$35,000 - 49,999

• 4 years in business under current ownership
• Clean CBR*
• Clean D&B**
• High 4 average business checking dating 2 years with no NSF's or OD's
• Clean major trades dating back

$50,000 - 75,000

• 5 years in business under current ownership
• Clean CBR*
• Clean D&B**
• Low 5 average business checking dating 2 years with not NSF's or OD's
• 50% comparable credit with a loan or lease
• Clean major trades dating back

Revolving Debt

• Dollar amount of revolving debt?
• How long have the accounts been open?
  (looking for longer than 1 year)
• What percentage of revolving debt still available?
  (concerned if less than 50%)
• How many new accounts?
  (how many are at the high limit?)
• What type of company do we have for a lessee?
  (sole prop, corp, etc.) We are more concerned with a smaller company that have higher levels of revolving debt.
• Each situation will be reviewed independently.

BRS 600 to 650
Gray Area

• CBR needs to be clean with not significant slowness
• Other areas of transaction must outweigh the higher score

  Previous Customer
  Larger Bank Balance
  Two Personal Guarantees

* CBR with BRS of 600 or less and clean public filings. CBR must have at least 5 trades that date back with installment history.

**D&B information must reflect good pay and clean public filings. For transaction over $25,000, any information must show positive NW,RE and profits. All liens and judgments must be paid or released. Each situation involving a public record item, will be reviewed independently based on the credit strength of lessee and the size and occurrences of the public record.