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Risk Appetite Factors
Level
1
Risk Appetite
Prudent Investors
2
Secure Funders
Institutions
Insurance Companies
Specialized Lending Institutions (e.g., Equipment Finance Companies)
Credit Score Range
750 and above
Funding Products
Long-term Loans, Secured Loans, Mortgage-backed Loans
700 to 749
Equipment Financing, Term Loans, Commercial Real Estate Loans
3
Balanced Capitalists
Established Private Equity Firms, Corporate Venture Arms, Asset-Based Lenders
650 to 699
Asset-Based Loans, Mezzanine Financing, Bridge Loans, Revolving Credit Lines
4
Growth-Oriented Patrons
Growth Equity Firms, Specialized Lending Institutions
600 to 649
Growth Capital, Subordinated Debt, Revenue-Based Financing
5
Strategic Financiers
Venture Capital Firms (Late-Stage), Merchant Banks, Development Finance Institutions
550 to 599 or non factor
Late-Stage Venture Capital, Equity Financing, Development Loans
6
Venture Capital Visionaries
Early-Stage Venture Capital Firms, Angel Investor Networks, Factoring Companies
500 to 549 or non factor
Early-Stage Venture Capital, Angel Investments, Factoring, Invoice Financing
7
Bold Venture Catalysts
Impact Investors, Hedge Funds, Crowdfunding
Below 500 or non factor
High-Risk Venture Capital, Equity Crowdfunding, Peer-to-Peer Lending, Convertible Debt
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Get Ready to Apply
Ensuring you have all these documents ready can significantly speed up your loan application process. Always confirm with your lender for any additional requirements or specific forms they might need. With everything in order, you'll be one step closer to securing the funding your business needs.
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