USAFG provides lease products to start-up companies and other firms that have been in business for some time but have experienced some credit difficulty in their history. We even can offer leases to prior bankrupts who can demonstrate that they have re-established credit after their discharge.

We pride ourselves in providing answers for difficult financing situations and use a subjective approach in making credit decisions. We consider ourselves as dealmakers and approach each application with the question, "How can we make a deal?" Our credit analysts are always available to our clients to discuss the "story" and to consider alternatives for completing transactions. While our decisions are primarily based on the credit record of the personal guarantors, which incidentally are required on all our leases, we will consider hard assets as additional collateral and outside continuing income when making our decisions. In spite of this non-automated non-scoring approach, our average response time for all applications is less than 2 days.

Our Programs include:

  "START-UP" CREDIT CRITERIA

• No time in business requirement, except food/beverage service, which requires a one year operating history
• $1,000 to $30,000
• 33 - 60 months New ownership, expansions, multiple locations of existing food/beverage service business considered

   "B" CREDIT CRITERIA

• 2 year time in business requirement
• $1,000 to $30,000
• 33 - 60 months
• For creditworthy applicants that do not meet the criteria of other funding sources due to a modest credit “glitch”

   "SECOND CHANCE" CREDIT CRITERIA

• 24 - 36 months
• $1,000 to $20,000
• Increased security deposit required for applicants with prior BK or other prior credit problems

   "ADDITIONAL" COLLATERAL CREDIT CRITERIA

• Compliments "Start-Up" and "B" Credit programs to arrange creative alternatives for individual credits
• Consider additional collateral of CD’s, stocks, bonds, autos and other assets (no real estate)