hard to say. every business history and circumstance is different. i can say that the market has changed and that banks are harder on people more then they ever have been especially now that the feds are monitoring their every move. i would say to know what the criteria is and try to meet that as best you can. the bank looks at your business as a whole. give me a ring anytime 866-949-VISA so that we may do an accessment of your business and we can go from that starting point. i am here to coach you along the way. i have more than several bank partners that can accomodate almost any business.