The 3 C' of lending are:
1. Credit - can the borrower display a history of credit-worthiness
2. Cash Flow- can the borrower's current financial situation (income and expenses) support repayment of the debt according to the contract terms
3. Collateral - does the collateral being offered have enough intrinsic value to protect the lender's interests in case of borrower default
The beauty of our platform is that we provide access to a large amount of alternative lenders who do not require high scores in all 3 of the above. If you have all 3 of the above, then the probability is high that we will have several options. If you have one of the 3, then the probability is lower, but again, we have options in this area. Credit Repair should also be considered as an option if you have lower credit, as an investment in improving your credit will pay itself back with a better interest rate on the loan.