I came to Emergency Business Funding to get help with a start up business loan. Chase declined me because I hadn't been in business for over 2 years! How can you be in business for 2 years if you are trying to get a start up loan?! My credit wasn't the best, but I knew that I could pay the loan back if I was just given a CHANCE. I saw an advertisement online and called in and spoke to a representative there named Neal who was very helpful and guided me through their process. Neal said they are a middle-man but are able to go directly through their lenders (can't remember how many). They do underwriting without actually applying first. Neal said the reason they do that is so I can see what options I have without actually applying everywhere. Then once we agreed on terms for a loan, we would submit the final application for approval when we'd know I'd get approved. That appealed to me because everywhere else I went wanted to do a hard credit pull, which would have just damaged my credit further. They said they also had lenders that would do bad credit and start up loans (my credit: high 500s/low 600s). When underwriting was done, there was just a few more hoops we had to jump through (they are very good at this, they seem to know exactly what the lender wanted to see). Within two weeks I had a line of credit for $24,200 (8.2% interest)! Would highly recommend to anyone who had difficulties with their own bank, especially if you don't have the best credit. Thanks so much!