Every application is required to produce the following:

• Clean personal credit
• Business checking account prior to funding
• Bank references
• Trade references
• Personal and business addresses, phone numbers, and fax numbers

Any additional information requested by TFS is based on industry, dollar amount leased, and time in business.

Special Payment Programs are Available!

Submit an Application Now!

• Start up to $50,000
• Start up to $75,000
• Start up to $125,000
• Seasonal Start-Up

Owners with less than 2 years time in business can lease up to $50,000 in equipment on an Application Only basis by meeting the following requirements:

• Clean personal credit of all owners
• Copy of new location lease agreement
• Business bank account balance of $1,000-$3,000
• Trade references
• Business plan
• Proof of home ownership
• Personal financial statement
• Two years personal tax returns

Owners with less than 2 years time in business can lease up to $75,000 in
equipment on an Application Only basis by meeting the following requirements:

• Clean personal credit of all owners
• Copy of new location lease agreement
• Business bank account balance of $1,000-$3,000
• Trade references
• Business plan
• Proof of home ownership
• Personal financial statement
• Two years personal tax returns

Owners with less than 2 years time in business can lease up to $125,000 in
equipment on an Application Only basis by meeting the following requirements:

• Clean personal credit of all owners
• Copy of new location lease agreement
• Business bank account balance of $1,000-$3,000
• Trade references
• Business plan
• Proof of home ownership
• Personal financial statement
• Two years personal tax returns

Owners with less than 2 years time in business can lease up to $50,000 in equipment on a seasonal basis by choosing 4 consecutive months in which $50 payments are made each year, and regular payments are made during the remaining 8 months of each year.
The following information is required for any seasonal start-up plan:

• Clean personal credit of all owners
• Copy of new location lease agreement
• Business bank account balance of $1,000-$3,000
• Trade references

• Start up to $50,000
• Start up to $75,000
• Start up to $125,000
• Seasonal Start-Up

Owners with less than 2 years time in business can lease up to $50,000 in equipment on an Application Only basis by meeting the following requirements:

• Clean personal credit of all owners
• Copy of new location lease agreement
• Business bank account balance of $1,000-$3,000
• Trade references
• Business plan
• Proof of home ownership
• Personal financial statement
• Two years personal tax returns

Owners with less than 2 years time in business can lease up to $75,000 in
equipment on an Application Only basis by meeting the following requirements:

• Clean personal credit of all owners
• Copy of new location lease agreement
• Business bank account balance of $1,000-$3,000
• Trade references
• Business plan
• Proof of home ownership
• Personal financial statement
• Two years personal tax returns

Owners with less than 2 years time in business can lease up to $125,000 in
equipment on an Application Only basis by meeting the following requirements:

• Clean personal credit of all owners
• Copy of new location lease agreement
• Business bank account balance of $1,000-$3,000
• Trade references
• Business plan
• Proof of home ownership
• Personal financial statement
• Two years personal tax returns

Owners with less than 2 years time in business can lease up to $50,000 in equipment on a seasonal basis by choosing 4 consecutive months in which $50 payments are made each year, and regular payments are made during the remaining 8 months of each year.
The following information is required for any seasonal start-up plan:

• Clean personal credit of all owners
• Copy of new location lease agreement
• Business bank account balance of $1,000-$3,000
• Trade references

Existing Business Credit Criteria

24+ Months Time in Business

• Application Only to $75,000
• $75,001+
• Corporation Only to $75,000 - Application Only
• Corporation Only over $75,000
• Expansions
• Non-Profit- Application Only to $50,000
• Seasonal

Owners can lease up to $75,000 in equipment on an Application Only basis by meeting the following requirements:

• Clean personal credit of all owners
• Clean business credit
• Proof of prior ownership of 2+ years
• Business bank account balance of $1,000-$3,000
• Trade references

Owners can lease up to $100,000 in equipment on an Application Only basis by meeting the following requirements:

• Clean personal credit of all owners
• Clean business credit
• Proof of prior ownership of 5+ years
• Business bank account balance of $10,000-$33,000
• Trade references

Existing businesses can lease more than $100,000 in equipment by meeting the following requirements:

With proof of 3-5 years prior ownership, please provide...

• Clean personal credit of all owners
• Clean business credit
• Business bank account balance of $10,000-$30,000
• Trade references
• Copy of last two years' personal and business tax returns

With proof of 5+ years prior ownership, please provide...

• Clean personal credit of all owners
• Clean business credit
• Business bank account balance of $10,000-$30,000
• Trade references
• Copy of the first 2 pages of last year's personal and business
• Tax returns
• Current interim statement

Existing businesses can lease more than $150,000 in equipment by meeting the following requirements:

• Clean personal credit of all owners
• Clean business credit
• Proof of prior ownership of 3+ years
• Business bank account balance of $10,000-$30,000
• Trade references
• Copy of last two years' personal and business tax returns

Corporations can lease up to $75,000 in equipment by meeting the following requirements:

• Clean personal credit of all owners
• Clean business credit
• Proof of prior ownership of 3+ years
• Business bank account balance of $10,000-$30,000
• Trade references
• D&B must indicate at least 8 trade lines and 15 employees

Corporations can lease more than $75,000 in equipment by meeting the following requirements:

• Clean personal credit of all owners
• Clean business credit
• Proof of prior ownership of 5+ years
• Business bank account balance of $10,000-$30,000
• Trade references
• Last 2 years personal and business tax returns
• Last 2 years personal and business financial statements
• Current interim statement
• D&B must indicate at least 8 trade lines and 15 employees

Expansions can lease up to $75,000 in equipment by meeting the following requirements:

• Clean personal credit of all owners
• Proof of prior ownership of 5+ years
• Business bank account balance of $10,000-$30,000
• Trade references

Non-Profit entities can lease up to $50,000 in equipment on an Application Only basis by meeting the following requirements:

With proof of 2-5 years prior ownership, please provide...

• Clean personal credit of all owners
• Clean business credit
• Business bank account balance of $10,000-$30,000
• Trade references
• Must be incorporated and in good standing

With proof of 5+ years prior ownership, please provide...

• Clean personal credit of all owners
• Clean business credit
• Business bank account balance of $1,000-$3,000
• Trade references
• Must be incorporated and in good standing

Existing businesses can lease equipment on a seasonal basis by choosing 3 or 4 months in which $50 payments are made each year, and regular payments are made during the remaining months of each year. The seasonal arrangement can be built into any type of tanning equipment lease.

The criteria listed below is required on all seasonal plans:

• Clean personal credit of all owners
• Proof of 2+ years tanning salon ownership
• Business bank account balance of $1,000-$3,000
• Trade references
• Any other criteria required for your corresponding dollar amount and business type