Underwriting Requirements

In terms of underwriting guidelines and requirements, we want to stress that FIA prides itself on taking a "flexible" approach which looks to get behind the numbers and place a higher value on experience, management skills, track record and organization.

In no particular order of importance, we place emphasis on the following:

• Business affiliate and subsidiary indemnity

• Personal indemnity of owners and spouses

• CPA prepared business financial statement

• Insurance & Equipment Schedule

• Personal financial statement

• Resumes, prior experience, and reference letters

• Clean personal & business credit history

• Current personal + business tax returns

Although not mandatory, we are receptive to collateral situations (cash, ILOC, mortgages) and we also provide funds control for different cases.