5강, Nature and purpose of Business

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작성자 로타리크레딧 댓글 0건 조회 1,937회 작성일 20-03-16 16:41



안녕하십니까 RAFS의 Financial Advisor 라이언 킴 팀장입니다.

대출이 100% 거절될 수 밖에 없는 업종과 높은 위험율을 갖고 있다고 Lender가 판단하는 업종들을 분류해서 올려두었습니다. 많은 참고가 되시길 바라겠습니다.


Restricted industries (automatic decline) include:

• Ammunition or Weapons Manufacturing; wholesale and retail
• Bail Bonds
• Check Cashing Agencies
• Energy, oil trading, or petroleum extraction or production
• Finance: (Federal Reserve Banks, foreign banks, banks, bank holding companies,
loan brokers, commodity brokers, security brokers, mortgage brokers, mortgage bankers,
mortgage companies, bail bond companies, or mutual fund managers)
• Gaming or Gambling Activities
• Loans for the speculative purchases of securities or goods
• Pawn shops
• Political campaigns, candidates, or committees
• Public administration (e.g., city, county, state, and federal governmental agencies)
• X-rated products or entertainment

High-Risk Industries (subject to stricter underwriting guidelines):

• Agriculture or forest products
• Auto, recreational vehicle or boat sales
• Courier services
• Computer and software related services
• Dry cleaners
• Entertainment (adult entertainment is to be considered restricted)
• General contractors
• Gasoline stations or convenience stores (also known as c-stores)
• Healthcare; specifically nursing homes, assisted living facilities, and continuing care retirement centers
• Special trade contractors
• Hotels or motels
• Jewelry, precious stones and metals; wholesale and retail
• Limousine services
• Long distance or “over-the-road” trucking
• Mobile or manufactured home sales
• Phone sales and direct selling establishments
• Real estate agents/brokers
• Real estate developers or land subdividers
• Restaurants or drinking establishments
• Software or programming companies
• Taxi cabs (including the purchase of cab medallions) Travel agencies