Term, pricing, and approvals subject to third party approval. Alternative finance products commonly feature risk-based pricing, meaning that the rate and/or term typically fluctuates proportionately with the risk score. Risk scores are unique to each capital provider and are generated based on underwriting practices commonly including (but not limited to) the following factors: creditworthiness, industry, revenue, average daily ledger balance, net cash flow, monthly ending balances, and any negative account activity. 36-month-business-loan requires a minimum credit score of 700 and at least 10 years in business. 24-month-term available to those in business one year or more with a credit score exceeding 500.