The first step in the qualification process is an introductory conference call with the key decision-makers.  The call allows both parties to see if the relationship will be a good fit.

After the initial conference call, we request that all potential clients fill out our intake form.  This allows us to get the basic inofrmation about the company and/or the project the client is looking to finance. 

Once we receive the intake form RUHL begins the underwriting process.  Since underwriting is done in-house,  we can typically have an approval within 48 hours.

Once the project or business is approved RUHL will issue a letter of intent (LOI).  This is to outline the general terms of the financing package. 

RUHL requires the client to deposit 10% of the requested funding amount into a designated bank account.  The deposit is 100% refundable and is never at risk.  It is simply used to leverage up our credit line to provide funding. 

The Deposit Agreement is the legal document that protects the client's deposit while RUHL is securing the capital.  Once the agreement is executed, and the deposit is made, the program begins.

Once RUHL secures the capital for the client the deposit is returned and the final financing documents are executed based on the LOI.  

Once the final documents are executed RUHL will disburse the capital based on the final financing documents.

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It typically takes four months from the time the Deposit Agreement is signed until the first capital distribution is made as this is the time it takes to increase the line of credit.