STAY AWAY FROM HIS COMPANY! This is by far the worst Small Business Bank to deal with. Despite never missing a payment, always paying triple the minimum due and having a 740 credit rating they more then tripled my rate from 7.9 to 23.9%. I did not have an introductory offer, and was a customer for over 2 years. This company is horrible. If you own or are thinking of starting a business DO NOT use this company.