Qualifiers* 1. Client has 20% to 30% equity, and 100% collateral. 2. Current balance sheet shows cash available and positive equity. 3. Cash flow statements shows there is enough cash flow to service the debt. 4. Owners of the business have a track record in the industry. 5. Past financials tell a positive story. 6. Projections based on industry standards, or historical data. *Under most circumstances
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