Envoy Business Systems 195 Fairfield Ave #1B West Caldwell, NJ 07006 973-253-4077 516-835-0000 Josh Mandell CPP Envoy, Emissary, New York City, Long Island, New Jersey, Brooklyn, Queens, Staten Island, Westchester, President Emissary LLC, Caldwell, New Jersey, "Josh Mandell CPP University of Wisconsin Madison, Ski Team, 516-835-0000, 973-253-4077, josh@envoybusinesssystems.com, Essex County Online (Northern NJ) emissary-newyork, emissary-losangeles, Josh Mandell, Long Island University, Chess Club, East Coast Molders, 195 Fairfield Ave, #1B, Caldwell, New Jersey 07006 888-588-5484, 800-966-5520, envoy@envoybusinesssystems.com, North Essex Chamber of Commerce, Development, Intuit, Quickbooks, Lightspeed, Apple Consultant Network, Strategic Alliances, B2B, Food and Beverage, Gateways, Point of Sale, Remote Deposit Capture (RDC), Payroll Services, ACH, B2B, B2G, B2C Payments Processing, Payments Industry, Merchant Processing, Merchant Acquiring, Payment Processors, Payment Products, Electronic Payment Solutions, Prepaid, Processing Platform, Payments Technology, Payment Solutions, Financial Technology, Resellers, Gift Cards, New Merchant, Bill Payment, Terminals, Sales Professionals, Processing Industry, Lending Program, Financial Services Industry, Sales Model, C-Level Relationships, Solutions Include, Business Development, Independent Sales, Nationwide Sales, Remittance, New Payment, Senior Executive. Josh Mandell, CPP ENVOY Credit Card 100 W Broadway LONG BEACH NY 11561 Danijela Mandell, Dani Mandell, Joshoua Scott Mandell, Danijela S Solunac, Sue Rose Mandell, Palm Gardens, Fl. 516-432-4824, 973-748-8575,

1. UNDERWRITING GUIDELINES
Loans, Cash Advance, & Credit Card Split
SMALL BUSINESS LOAN
M I N I M U M
MONTHS IN
BUSINESS
+
M I N I M U M
IN BANK DEPOSITS
+
M I N I M U M
DEAL SIZE OR ADVANCE
AMOUNT
+
NO MORE THAN
7
NEGATIVE DAYS
6 $15,000 $5,000
BANK ONLY (ACH) ADVANCE
M I N I M U M
MONTHS IN
BUSINESS
+
M I N I M U M
IN BANK DEPOSITS
+
M I N I M U M
DEAL SIZE OR ADVANCE
AMOUNT
+
NO MORE THAN
7
NEGATIVE DAYS6 $15,000 $5,000
CREDIT CARD SPLIT DEALS
M I N I M U M
MONTHS IN
BUSINESS
+
M I N I M U M
TRANSACTIONS
PER MONTH
+
M I N I M U M
BATCHES PER
MONTH
+
M I N I M U M
MONTHLY ON
CREDIT CARD
+
MINIMUM DEAL SIZE
OR ADVANCE AMOUNT
6 10 6 $4,000 $5,000
DOCUMENTATION
3MONTHS OF BANK STATEMENTS + 3MONTHS OF BANKSTATEMENTS + SIGNED APPLICATION
BASIC REQUIREMENTS
YOUR PACKAGE MUST CONTAIN OR CONSIDER THE FOLLOWING
ADDITIONAL CONSIDERATIONS
YOUR PACKAGE IS RECOMMENDEDTODISCLOSE THE FOLLOWING:
TAX LIENS & JUDGEMENTS: LACK OF EVIDENCE OF PAYMENT PLAN I BALANCES OVER $250K OR MULTIPLE OCCURENCES
EXISTING CASH ADVANCE BALANCES: EVIDENCE ON APPLICATION PAYOFF LETTER PRIOR TO FUNDING
TENANCY: RENT MORE THAN 2 MONTHS BEHIND I LESS THAN 3 MONTHS OF REMAINING LEASE TERM
OPEN BANKRUPTCIES: CHAPTER 11 OR 13
% OWNERSHIP: MINIMUM 51% OWNERSHIP
PROHIBITED INDUSTRIES:
ADULT ENTERTAINMENT, AIRLINES, ANNUAL MEMBERSHIPS, BROKERAGE, CANNABIS, CASINOS, CLASS 3 WEAPONS, CONSUMER CREDIT, DATING
SERVICES, ESCORT SERVICES, FINANCIAL INSTITUTIONS, INSURANCE, MLM, NON-PROFITS, OIL DRILLING, PAY DAY LOANS, UNAPPROVED MEDICAL
TREATMENTS, VAPE SHOPS, WARRANTY COMPANIES
RESTRICTED INDUSTRIES:
ACCOUNTING FIRMS, APPRAISAL SERVICES, AUCTION HOUSES, AUTO SUPPLY STORES, BAIL BONDS, BILLING SERVICES,
CONSTRUCTION, CELL PHONE STORES, COLLECTION AGENCIES, COUNSELING SERVICES, DIRECT MARKETING, DOOR TO DOOR,
EBAY SALES, FLEA MARKETS, GAMBLING, GAS STATION CONVENIENCE STORES, GAS STATIONS, HEATING OIL SALES, HOME-BASED,
HOME HEALTH CARE, INTERNET PRESCRIPTION, INTERNET SOFTWARE, IT/COMMUNICATIONS, KIOSK, LANDSCAPING, MINING,
PROPERTY MANAGEMENT/REALTY SEMINARS, RADIO/TELEVISION, TELEMARKETING, TEMP AGENCIES, TICKET BROKERS,
TIMESHARES, TRANSPORTATION DEALERSHIPS, TRAVEL AGENCIES, TRUCKING