Commercial truck title loans chandler. Fast Money Car Title Loans in Chandler. Commercial truck title loans chandler

 
 Fast Money Car Title Loans in ChandlerCommercial truck title loans chandler Truck Title Loans

00 dollars on the spot! This is what makes us the leading provider of auto title loans in Phoenix, Scottsdale, Mesa, and Chandler. Big Rig is looking for affiliates like you. Here are the qualifications you need to meet for an equipment loan: Minimum credit score: 600; Time in business: at least 1 year; Minimum annual revenue: $250,000; How to apply for a Commercial Truck Equipment Loan:A pawn loan from Oro Express Chandler Pawn and Gold is the fastest way to get the cash you need. Make sure to also bring your vehicle’s title, and your Arizona State-Issued Drivers’ License. Find trucks online on Commercial Truck Trader. Particularly the most important thing is people requesting pay stubs, or bank documents, to verify your income. “The friendliest and fastest Ace I've ever been to, and I've been to many in many different states. 480-792-6300. Southwest Title Loans has been providing a variety of loans to happy customers since 2000, and we’d love to walk you through how our process works. 9 percent APR for 60 months, 3. $100 - $2000* $2000 - $50000. (480) 480-9819. Best for high maximum loan amounts: First Capital Business Finance. Unlike a traditional loan, a business line of credit allows you to borrow only what you need and pay interest on that. Phoenix Title Loans is a title loan company that services the 85242 zip code. 266. At Oro Express Chandler Pawn & Gold we offer pawn loans on all types of Motorcycles with an Arizona Title, also the fact that you can get same day cash with. Featured in Forbes 4x and funded by institutions like Harvard University so we'll never ask you for a credit card. MidFirst Bank. Typically, vehicles must weigh more than 2. No initial loan fee, $5 police ticket fee applicable on Preferred Pawn Loans, maximum Annual Percentage Rate(APR) of 35. Even if you have heavy equipment we’ll consider using that as collateral in lieu of a titled vehicle. You won’t find better rates in Chandler, Mesa, Gilbert, OR Queen Creek! We can provide title loans on almost ANYTHING that has a title: trucks, airplanes, RVs, cars, golf carts, ATVs, motorcycles, and more!TitleMax car and motorcycle title loans are available in 16 states. Customers recognize quality service and worthwhile title loans opportunities with us and continue to work with us these past ten years and beyond. Cash is a simple form and a few minutes away. 5 beds. Title Loans Express 3. People are choosing title loans because. If you have a current auto title loan or car title loan, consider refinancing. Eddie Rodriguez | Fairway Independent Mortgage Corporation Loan OfficerBest Title Loans in Chandler, AZ 85286 - Title Loans Express, Loan Max Title Loans, TitleMax Title-Secured Loans, CASH 1 Loans, Cash Time Loan Centers, Presto Loan Centers, Max Cash Title Loans, TitleMax Title-Secured Pawns, Maximum Title LoansWith a Title Loan, all you need is a few documents and a clean car title, and you can get between $100 and $25,000 on the spot. You can do this with your big rig commercial vehicle as well, though some of the terms are a little. Get a free, no obligation personal loan quote with rates as low as 6. Car Information. We offer a variety of financial services including title loans, payday loans, installment loans, and cash advances. With us, you can always apply for online truck title loans at your home or business. 010 Commercial Vehicle Definitions Commercial Vehicle (CVC §260)—A commercial vehicle is a vehicle required to be registered which is used or maintained for the transportation of persons for hire, compensation, or profit or designed, used, or maintained primarily for the transportation of property. Tempe, AZ 85282. 6. Title Loans Express 3. Global Insurance Brokers 500 W. $1000. Community Involvement. ∙ 4008 Chandler Haven Dr, Charlotte, NC 28269 ∙ $349,900 ∙ MLS# 4089897 ∙ Welcome home to this 2 story cul-de-sac home in North Charlotte. Our brand-specific Phoenix area dealerships are home to a generous variety of new cars, SUVs, trucks, hybrids and electric vehicles. If you feel you might have a unique situation and want a motorcycle title loan, then just use our online chat down. Find out what Tucker Capital can do for you. , LoanStar es una de las empresas más respetadas de Estados Unidos que ayuda a los estadounidenses trabajadores a utilizar el capital de su vehículo. LoanMax Title Loans in Chandler, AZ provides cash loans on car titles to Chandler and the. Get Started Now. When users apply for and take out title loans, they also obtain the title to their car as collateral on the loan. We provide loans. There are many names for Car title loans in Chandler known as auto equity loans, same-day title loans, and instant pink slip loans. Chandler Car Title Loans. Having made it our mission over the last fifteen years to provide our title loan services to the Valley of the Sun with 11. – Funds distributed via ACH to the borrower’s debit card, Dash Prepaid Card or MoneyGram (when/where available). Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. Manage your account with ease – anytime, anywhere. Get a Title Loan using the clear title of your vehicle as collateral for cash, once your loan is fully repaid you will get your title back. They helped me start an application even though they were 10 minutes from closing. A few simple steps for a free quote. (602) 357-1141. Just click the button below and fill out a short form for us! To reach our office, call 888-565-6692. Electronic title transfer is available. Fees from 35. On the street of North Alma School Road and street number is 940. Must present valid government issued ID. Common Uses For a Loan. The amount that is loaned will be based on the value of the car or truck. Defining Auto Title Loans Chandler. Thankfully, Oro Express Chandler Pawn and Gold always keep our customers needs in mind. If you’re currently feeling strapped or overwhelmed with a high interest car title…. Nearby homes similar to 690 Chandler Rd #304 have recently sold between $130K to $280K at an average of $150 per square foot. m. $400. Easily apply online today or simply call us!. This home featu. According to MoneyGeek's analysis, LightStream is the best overall personal loan lender in Chandler. It affords you the flexibility, speed, and ease to get cold, hard cash the same day that you need it. Make sure you have these loan documents in your handy dandy bag. -10 p. Once we receive your information, one of our friendly loan officers will contact you. The second tab provides a calculator which helps you see how much vehicle you can afford based upon a fixed monthly budget and desired loan term. We have taken three title loans out on my truck and every time we did they lowered the interest rate and were super helpful. Which is why we do everything we can to help you along the way. (480) 844-3785. Best Car Title Loans in Chandler. If you apply with a bank or credit union, you may have to apply in person or on the phone. Its simple, if you have the automobile and your title, we can help. It's fast, secure & free! $100 - $2000* $2000 - $50000. Quick and Easy Application Process: Our streamlined application process ensures that you can apply for title loans Chandler with ease. Don't wait to win the lottery! Get cash now with title loans in Tamarac from Montana Capital. We’ve helped thousands of clients since we started lending in 1996. We also refinance title loans to help ease. I currently bank at 3 banks; due to my travel and need access to withdraw and deposit. Uses your truck title as collateral for a lump sum loan. Phoenix Title Loans, LLC. I was provided with same day loan with lower. When the loan is due in 30 days or less, then. About Loanmax Title Loans - Chandler, AZ: The 589 North Arizona Ave Loanmax Title Loans location in Chandler provides cash loans on car titles to Chandler and the surrounding area. Connect with us using the contact form or give us a call at 281-410-5337. Auto insurers lost 12 cents on each dollar of customer premiums paid in 2022, on average. Maximum Title Loans. 7 (12 reviews) Check Cashing/Pay-day Loans Title Loans “not following policy. To get an auto title loan from LoanMax Title Loans in Chandler, all you need is your vehicle, photo ID and a clear vehicle title. van, motorcycle, RV, ATV, Classic Car, Commercial Vehicle - borrow on your equity today! With an Auto Title Loan. 611 N Dysart Rd. See moreSemi Truck & Commercial Vehicle Title Loans. When you buy a vehicle, Arizona law requires that you apply for a title within 15 days of purchase and take the application to an MVD Office or Authorized Third Party provider to complete the process. 2105 S Rural Rd. Commercial vehicles that are designed, used, or maintained primarily to transport property or people for hire, compensation, or profit must be registered. Quest Capital Group: This financing lender offers semi truck financing without a down payment. We’ve been proudly serving Chandler from our pawn shop Oro Express Chandler Pawn and Gold. 1950 N Arizona Ave. Example: 5 years is 60 months. . Minimum loan amount for title-secured loans in South Carolina is $601. This approach will allow you to divide the microloan into 5 or more payments;Industry Leadership –Cash Time Loan Centers has been providing personal loans in Arizona for almost 25 years. Once you arrive at Oro Express Chandler, come talk to one of our friendly and knowledgeable associates. Ask your lender for a complete list of the rates, terms and fees before signing. “I had an emergency and needed money before my paycheck on Friday. You can handle most of your needs in our office. 1 Excludes tax, title, tags and other fees. Our loan application is a good way to start the process for our customers in Phoenix, Scottsdale, Mesa, Tempe, Chandler, Queen Creek, Avondale and Casa. Title Loans Starting at $1,000 Instant Phone Pre-Approvals (1) No Hidden Fees, Payoff Anytime Get Cash, Keep Your Car 12 to 48-month terms Select the amount of cash you want. The loan amount is based upon the vehicle's value instead of the borrower's credit score. This means that a commercial truck title loan is your best. Every year, thousands of consumers make an application for loans to finance their commercial truck buy. Apply with us online or call 877-433-5454, and we’ll get you the best rate and repayment term for your commercial truck title loan! Cash out equity from your semi with a truck title loan. Conveniently check the balance of your account, payment history, and payment due date (s). Being the third largest Manufacturer of Commerical Trucks, Hino has a world class distinction even We Offer. Commercial truck title loans typically have flexible repayment terms, which can range from 3-12 months, allowing borrowers to repay the loan at their own pace. Classic Car Title Loans Glendale; Custom Car Title Loans Glendale; Motorcycle Title Loans in Glendale; Maricopa. We charge interest on the current principal owned, not on the original amount borrowed. Used 1995 Utility Flatbed truck for sale in Chandler, AZ . But, selling assets can take a long time. Commercial Truck Title Loans. Depending on the value and condition of your vehicle Phoenix Title Loans can lend you anywhere from $1. As a matter of fact, commercial truck title loans can be the best and only solution for your financial problems. Nationwide Commercial Truck Title Loans! Unlock the equity in your truck or trailer and get the working capital for your trucking business in as little as a three days. Give us call now at 855-303-CASH (2274) and get started on your application! A car title loan is a great way to secure a fast cash resource without the hassle of a slow application process! Chandler Title Loans only requires you to be the owner of your vehicle and proof of ownership (this is usually. With your vehicle title as collateral, we lend you the cash to meet your short term financial needs – think of unexpected emergencies or sudden bills like an auto repair. How much is my car worth? Select Year. Once you have all your documents, you can apply for your loan. Loan Center is one of two car title. Fairbanks Ave, Winter Park, FL 32789 (407) 695-6969 Get Directions. We also refinance title loans to help ease. There’s an easier way to get cash quickly without giving up your treasured possessions: Car Title Loans. QSR-02172025-5888905. Title Loans in Chandler AZ 1 - N. Arizona Ave. Don’t get caught up in a spiral of despair. You can have any credit type, good or bad! Truck title loans can be higher than car title loans. Apply for your Auto Title Loan Online NOW!. Maximum Title Loans can be contacted via phone at 480-917-5626 for pricing, hours and directions. Call (888) 565-6692. With this kind of loan, the reputed lender will. We proudly service customers and dealers with competitive financing and GM lease programs. learn more. Academy Mortgage Corporation-Northrop. — sq ft. Applying for online title loans in Arizona should not be a hassle. YEARS. Car title loans are high-stakes because the loan term is typically very short — usually 15 to 30 days — and the interest rates are extremely high, sometimes as much as a 300 percent annual. ” more. ACE Cash Express. Call Max Cash® Title Loans at (855) 561-5626 or fill out our online form! Dry Van Trailers, Reefer Trailers. How to Register Trailers. Call 1-877-511-CASH. 99%. Learn more. With our company, to suit your Larger Rig Label Financing otherwise their commercial truck title financing,. We will get you the most money with our car title loans. 27. 1-888-700-8900. Commercial vehicle loans are available from $10,000-$250,000, with repayment terms extending to 72 months. Apply today with Desert Title Loans and borrow $5,000 or more with a semi truck title loan! How To Qualify For A Semi Truck Title Loan. Finance Period (Months) The total length of your loan term in months. Loan Terms OVER 150 Days. To apply for a title loan, you need to have a car that you can use as collateral. 1 Fill out our online form; 2 Wait for. Title Loans. Semi Truck Label Mortgage Terminology. I don't think it took over 15 minutes and only cost me $17. See how we’re strengthening the communities where we live and work. Hundreds of TX semi truck owners just like you have used their funds for a wide variety of purposes - ranging anywhere from unexpected medical bills to extra supplies for an unplanned long haul. Thousands of cars, trucks, SUVs and more for sale everyday. (877) 223-2274 Email Us. True to You. Avondale, AZ 85323. 5 tons to qualify. We’re owned by our members, not shareholders. Click on the menu below for fast navigation. $172,000 Last Sold Price. Our customer friendly agents are able to offer 85020 title loans, 85020 auto title pawns, and 85020 truck title loans. If your Semi Trucks value isn’t worth over $20,000, you won’t be able to borrow more than $20,000! Ability to repay. M-F 9AM-6PM | SAT-SUN 10AM-5PM. We do not finance larger commercial vehicles such as dump trucks and tractor-trailers. Credit revolving A revolving credit line for small businesses is a good option if you’re in need of financing. 3 When bundling, you have a choice to. Get online title loans in Memphis to cover your spending and keep your car! Montana Capital (901) 460-6211. OR. We work with dealerships in 28 states, and offer direct lending in all 48 U. Call LoanMart at 855-422-7412 or click here to apply for emergency cash today. S. No proof of income is no problem with Phoenix Title Loans, and we’ll still let you drive away in your vehicle. Title loans in Chandler are an alternative funding source that is growing in popularity. CALL 888-663-7074. Funding amounts vary, but you can expect at least $2,000, with higher amounts up to $15,000 for high value rigs. Repayments Includes Principle and Interest. Because title loans are secured loans, they typically come with a high annual percentage rate. John Carpenter Fwy, Ste. Vehicles that are typically eligible for financing are new or used cars, light and medium duty trucks and cargo vans. 99% APR. You can always reach us at 803-396-0910. LoanStar Title Loans - Title Loans / Title Pawn Cash Loans on Car Titles in 20 minutes or less of up to $10000. Either way, we are here to help you! From Mesa to Tempe to Phoenix to Chandler, Phoenix Title Loans can get you the Motorcycle Title Loans you need. This company was extremely helpful in getting me a commercial truck title loan. Get online Instant Cash you need . Money Title Loans is a licensed lender that has been in business for over 2 years. Financing subject to credit approval. 4. Most credit types accepted. The deal – officially called the Retail Order Rate Lock Low APR Private Offer – is only good on select models, but ranges from a 2. LoanMax Title Loans - Cash Loans On Car Titles. ClearPath Financial offers a Commercial Truck Title Loan solution. To communicate or ask something with the place, the Phone number is (480) 726-1509. TitleMax Title-Secured Loans. They’re a type of secured loan. $100. Let’s say you own a truck driving company and are looking to add to your fleet. A semi-truck title loan also has its shortcomings. Quick Title Loans Make Fast Cash Possible. Title Loans; Personal Loans; Resources; Español (602) 560-7910 LET'S GET STARTED. Apply Now (480) 680-9931. m. A title loan is a way for an individual to borrow money. § 42-5061(A)(14)(b). Expect an LTV of 40 to 65% of the rig’s value. Fast access to cash: Semi-truck title loans are a fast and easy way to get loans when you need cash because it requires less than 24 hours to be processed. Our location is in the heart of chandler, located right off Arizona Ave and Warner Rd. 4 Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 3PM PST on a business day. Promo Code; Title Loans. Title Loans Mesa AZ; Motorcycle Title Loans in Mesa; Northwest Paradise. Once approved for one of our vehicle title loans, our representative will meet you at a location of your choosing for a brief inspection of your motor vehicle and verification of the required documents. (480) 644-0117. Let’s face it, pretty much all financial emergencies take us by surprise and most often can be very expensive. Best for flexible semi truck financing: Clear Path Financial. This is NOT a repair loan program so you truck must be in good working order. How much cash can i get. Payment Shown Here. First Capital. And, because there is collateral involved. Nearby homes similar to 286 Lafayette Ave have recently sold between $1M to $4M at an average of $390 per square foot. The APR tells you how much it costs you to borrow money for one year. A car title loan, or “pink slip loan,” allows you to borrow anywhere from 25 percent to 50 percent of the value of your vehicle in exchange for giving the lender the title to your vehicle as. Loans from $2,500 to $5,000 are capped at 13% monthly. Minimum loan amount for title-secured loans in South Carolina is $601. 6750 E Main St Ste 103, Mesa, AZ 85205. 3. provides a short intake form to help you get going as soon as possible. Loan amounts from $25,000 to $10,000,000. When you need quick cash in Chandler, Arizona, TFC Title Loans is here to help. Not only do we have Car Title Loans but also Motorcycle Title Loans, Truck Title Loans, Boat. Oro Express Chandler, in partnership with Phoenix Title Loans, offers the most cash possible with bad credit title loans. Account approval requires satisfaction of all eligibility requirements, including a credit inquiry, a motor vehicle appraisal and a review of title condition. The financial products and services we offer or make available include bill pay services, check cashing, MoneyGram® money orders and money transfers, debit cards,. Every month after, you’ll visit Oro Express Chandler Pawn and Gold to make your monthly payment. 602-277-2000Title Loans Chandler, AZ GET A CAR TITLE LOAN IN LESS THAN 24 HOURS. Multiple Locations in Arizona. Installment Loans. Contact Embassy Loans Today at 833-839-2274,Vehicle must be 2004 or newer. Get Started Now. No credit check title loans are a type of secured loan where the borrower uses their vehicle title as collateral. Cash Time Loan Center. Odometer mileage. As an example, Bank of America requires a minimum vehicle value of $10,000, a maximum vehicle age of 5. Let us help you with your driver's license, car registration, and updating your motorcycle license. If you are eligible for a title loan. 940 N Alma School Rd Ste 105. Facebook | Google + | Yelp. Once you agree to applicable terms, you’ll sign the loan agreement provided by the lender, hand over your car title, and the vehicle will remain in. Loans available from $2000 to $30,000. Address: Chandler, AZ, 85226. Truck Title Loans. (480) 644-0117. Atlanta Title Pawn’s application process is very easy and we can have money in your pocket within 30 minutes of you walking in with your truck title in hand. Are you a roofer, a plumber or someone who drives a commercial truck? We offer commercial truck title loans for those who drive commercial trucks. ft. We may lend up to 70% of your car’s value, with a maximum loan amount of $20,000. Car Title Loans Defined; How Much Money Can I Get? How To Apply;. MORE REVIEWS. How to Get the Most Cash Auto Title Loan; Getting Low Interest Rates; Local Title Loans. United States (US) (623) 322-3725. One can avail more than 50 to 60% of the total value of the box truck as loan. Arizona is one of the nine states that have enforced a cap on title loan interest rates, but Arizona’s cap of 17 percent a month on loans under $500 still leaves a lot to be desired. The resale value of your trucks plays a substantial role in the approved loan amount. Mission Financial provides commercial vehicle and semi truck financing for first time buyers, bad credit loans, semi truck title loans and semi truck repair loans. The APR can seem high – The annual percentage rate was created to represent the fees related to paying back a loan over the space of a year. 1950 N Arizona Ave #5, Chandler, AZ 85225. M-F 9AM-6PM SAT 10AM-5PM SUN 10AM-5PM Contact (480) 422-1828 Google + Auto Title Loans Chandler, Az At Phoenix Title Loans, LLC in Chandler, we provide title. Getting a title loan without a job should always be possible as we don’t limit customers to having a job in. You can use commercial vehicle title loans to fund semi-truck repairs. OR. Chandler, AZ 85225 Phone (480) 214-4706 Bilingual Yes Hours Sun: Closed Mon: 10:00 am - 7:00 pm Tue: 10:00 am - 7:00 pm Wed: 10:00 am - 7:00 pm Thu: 10:00 am - 7:00 pm Fri: 10:00 am - 7:00 pm Sat: 10:00 am - 4:00 pm Let us help you get the money you need. If you need a loan with low interest SOUTHWEST TITLE LOANS. $1,810,000 Last Sold Price. A commercial truck title loan is a type of secured loan that allows you to borrow money using your commercial truck as collateral. Facebook | Google + | Yelp. 480-726-1509. Map Of All Of Our Locations. for instant approval. Close Search. Just use your car, RV or motorcycle title to get a Title Loan online based on your vehicle's appraised value. Also Motorcycle, ATV, and RV title loans Statewide in AZ. The fastest way is to give us a call and speak to one of our specialist at 888-565-6692. Refer any owner-operators to us for a commercial truck loan and you receive a $100 referral fee, once we complete the transaction. , 300 E. Location Details: Chandler, AZ 85286 (844) 254-7170 Get Directions. Car Title Loans; Motorcycle Title Loans; RV Title Loans; Store Locator;. Academy Mortgage Corporation-Northrop. 000. Applying for title loans online with no store visit only takes a few minutes. 5 baths ∙ 1666 sq. Title loans. The amount you can borrow depends on several factors: Value of the vehicle. Your Money in 30 Minutes of LESS*. Make a payment at any time, whether you are at home or on the go. Our team members are on call at all hours of the day or night, so feel free to get in touch whenever you please. Our auto equity loans provide much lower interest rates than a traditional title loans. IN BUSINESS. Our team members are on call at all hours of the day or night, so feel free to get in touch whenever you please. 50 Years of the lowest interest rates and payments on auto title loans in AZ. The more the resale value, the more. 480-844-2989. Call us for a. Loans between $5,000 and $2 million. This is a must-have in loan processing. Texas Car Title and Payday Loan Services, Inc. A pawn shop is a full-service store, in all senses of the word. R. Sun: Noon-10 p. Platinum Lending, LTD provides superior online car title loan services throughout all of Chandler! A client will qualify for title loans in Chandler when they own a lien free vehicle. ft. *The Payment and Affordability Calculators are for your estimation purposes only. The best type of advice we can offer if you’re seeking to Refinance Title Loan Chandler. Electronic title transfer is available. 1. Our loan application is a good way to start the process for our customers in Phoenix, Scottsdale, Mesa, Tempe, Chandler, Queen Creek, Avondale and Casa Grande. Hence, these vehicles are easily accepted by lenders because their value is quite high. Truist: Best bank semitrucking financing for multiple funding options. If approved, sign the loan agreement and provide the lender with the title to your vehicle. But even if your truck is worth $50,000, you generally can’t borrow against the full value of your vehicle. An auto title loan can get you out of a bad situation quickly without hassle, and that’s where Phoenix Title Loans shines. Registration Loans. A secured loan will be underwritten to reflect 12 to 36 months’ payoff. 1292 Sadler Way, Suite 110 Fairbanks, AK. In this case, you need approximately $7 000 as a loan. Facebook | Google + | Yelp. Consult with us now at 480-382-5949 and we can get your loan process started immediately. 45 Pine St, Chatham Twp. Since a new semi-truck’s average sticker price falls between $80,000 and $150,000, you may need a down payment of between $4,000 and $7,500. First Credit Union was established in Arizona in 1929. Title Loans Chandler OK. This will help us determine the maximum amount you can borrow. Payday Loans At Loan Mart. As the owner of your car or vehicle, your. Select products to bundle & save or call 1-866-561-7300. Easy, 30-second pre-qualification form. Therefore, we keep providing quality pawn and title loans so you can stay strong & in the fast lane! Visit Oro Express Chandler on Yelp! 1950 N Arizona Ave STE 5 Chandler, AZ 85225-7088 Call Us:480-844-2989 Text Us:480-704-0809. It’s our way of thanking the citizens that have made. Phoenix Title Loans provides the highest offers and to begin the process by submitting application for online title loans Phoenix go to for fast cash! Auto Title Loans Are Secured By Your Cars Value. Get up to $50,000 within 24 hours or less!Get a free, no obligation personal loan quote with rates as low as 6. 800LoanMart is the trusted car title loan industry leader with over 250,000 customers served since 2002 by our dedicated team. The vehicle must be located within the contiguous United States. 2. The bank is also an SBA-preferred lender, meaning. This calculator figures monthly truck loan payments. This makes them a popular option for those with bad credit or no credit history. Every consumer applying for title or registration loans in AZ has different parameters regarding what they’re looking for, and no lending term or amount will be the same. In comparison, credit card interest rates range from 10% to 30%, depending on the card user. Rate 1. Example 1: Vehicle with a retail value of $100,000, and a loan amount of $90,000 has a 90% LTV. You can contact us at any time to sort out your emergencies. We have a Google satisfactin rating of 94% with over.