Program Guidelines

Program Guidelines

CUSTOMER

Buying Guidelines 1

FICO Score Minimum Income 2 Payment to Income (up to)

PROVIDING SUBPRIME SOLUTIONS FOR FRANCHISE DEALERS

470+ (zero FICO considered) $2,000 18%

PROGRAM FEATURES

Approvals as fast as 20 seconds 24/7/365 Dedicated Buyers & Funders available 6 days a week Ability to negotiate approvals to fit your deal structure Guaranteed $2,000 minimum back-end No book to look requirements

Dealer Compensation

FLAT FEES

Tier 1

5%

Tier 2

4%

Tier 3

3%

Tier 4

2%

Dealer flats are paid as a % of front-end.3 NO CHARGEBACKS

EXPEDITED FUNDING

Current paystub + current utility bill + 3 references funds your deal Dedicated Funding Coordinator Daily notification of funding status Clean deals fund in 48 hours

FRONT - END

Loan Structure

Loan Amount 4

Rates (as low as) Front-End 5 ( as high as) Loan to Value 6 (as high as) Down Payment (as low as) Loan Term (up to) Acquisition Fee 7 (as low as) Contract Fee

$7,000 (min) $40,000 (max) 9.95% 125% 130% $0 72 months $0 $175

TERM

0 - 60,000

72

60,000 - 80,000

66

80,000 - 100,000

60

100,000 - 120,000

48

New or pre-owned, up to 8 years old and up to 120,000 miles

BACK - END

Warranty (up to)

GAP (up to or state max)

8

Back-end (up to)

$2,500 $800 $3,300

WHAT TO AVOID

Self-employed and/or 1099 earners Open bankruptcies Repossession(s) in the past 9 months Dismissed Chapter 13 bankruptcies in the past 12 months

IMPORTANT CONTACT INFORMATION

Buying Department Funding Department Funding Fax Dealer Administration

877-524-9380 877-538-2071 866-467-9185 888-508-2188

IMPORTANT MAILING ADDRESSES

Lien Holder Address: Global Lending Services P.O. Box 311 Williamsville, NY 14231

Payments: Global Lending Services P.O. Box 935538 Atlanta, GA 31193-5538

Funding Address UPS or USPS: Global Lending Services 3268 Progress Way Suite 2089 Wilmington, OH 45177

Payoffs & Overnight Payments: Lockbox Services Box #935538 Global Lending Services 3585 Atlanta Ave. Haperville, GA 30354

FedEx: Global Lending Services 4054 Willow Lake Blvd Suite 2089 Memphis, TN 38153

GLS_PG_F_V5_2018

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