Basic Credit Criteria

Listed below is Pioneer Capital's basic credit policy for firms business over two years (under two years, see programs).

This policy is subject to change and additional criteria may be required. For more information on credit criteria, please see our Broker Kit.

For information on the types of equipment we lease, see our list of acceptable and unacceptable equipment.

Information Reviewed	Minimum Criteria	Possible Exceptions
CBR Scores	Any one of the major CBR's above 625 (delinquency indicator-Fair Issac or Beacon).	Lessees with prior Lease history.
CBR Review	No recent lateness, no prior history of bankruptcy.	Minor delinquencies
Credit Card Balances	Must be below $40,000	When high debt caused by loan or is offset by high bank balances. Some exceptions made for $40,000 to $50,000 in Rev Debt.
Suits/Liens/Judgments	No open SLJ's above $500.	Medical and cellular disputes
Unpaid Collection Accts	No open collection accounts above $500.	Medical and cellular disputes
Inquiries	No more than 5 inquiries in the last 3 months.	If caused by competition. Financials Statements offered
CBR Breadth	8 lines of data with a file age of 5+ years old.	5-8 with loan history
Bank Information	Low 4 up to $35,000, Med 4 up to $50,000, High 4 up to $75,000	None
D&B Report	Paydex above 64 with no open SLJ's	Paydex of 55-64 with no other credit problems
General	2 years in business up to $25,000, 3 years up to $50,000, 4 years up to $60,000, 5 years up to $75,000	Financial statements, loan or lease reference