Your business is not one of the following: Insurance, Real Estate, Food Service (less than a year in service), Massage Therapy school, Daycare, Gym, Barbershop/hair salon (less than 2 years in service)

Are you economically or socially disadvantaged?

Is your business in the 10 county service area? (Abbeville, Anderson, Cherokee, Greenville, Greenwood, Laurens, Oconee, Pickens, Spartanburg and Union)

Do you have at least 25% of the amount you want to borrow already invested in your business (hard equity)?

Will your business be cashflow positive in 12 months?

Will you be able to create jobs during the term of the loan?

Is the cost per job less than $7,500? (Divide the requested loan amount by the potential jobs created)