Our process is simple:

1.    Send us your vendor proposal.
2.    We will issue you an Energy Finance Loan Proposal.  We will also send a copy of our proposal to your vendor.
3.    With the Energy Finance Loan Proposal, you will get a credit application.
4.    Send back the credit application for a FREE “Preapproval review”.  Please be sure to completely fill out the credit application and sign the release at the bottom.
5.    After further review, if you want to go forward, sign the proposal which will also tell you we need several other items to include the summary page of your business checking account for 3 months. 
6.    We will submit to our credit committee.  Providing there are no questions, we usually get a decision in fewer than 4 hours.  Same process for full commercial except decision takes 3 to 4 days.
7.    With an approval from the credit committee, we issue an approval letter.
8.    We consult with you and the vendor on the payment plan that you have discussed with the vendor.  To keep you from having a large down payment, we will start the loan now to allow us to make a down payment to your vendor.  You control the payments to the vendor.  We always to a special phone call to you prior to issuing a check to any vendor.
9.    After documents are signed and verified, we authorize the vendor to order the equipment.  We might make one or two other payments to the vendor prior to him finishing the installation.  At competition of the project we double check with you to see if you are satisfied and at that point make the final payment to the vendor.  You make your first loan payment on the loan in about 30 days.