Hard Credit Authorization

This Hard Credit Authorization (“Authorization”) is executed as of ______ ___ , 20__ by:

Applicant Business

• Business Name:
• Entity Type:
• Federal Tax ID (EIN):
• Business Address:

(“Applicant”)

and, if applicable,

Personal Guarantor

• Full Legal Name:
• Social Security Number:
• Date of Birth:
• Address:
• Phone:
• Email:

(“Guarantor”)

in favor of:

CARE CASH GLOBAL, a California corporation. (“CCG”)

California Finance Lender and Broker - DFPI License No. 60DBO-168236, NMLS Company ID 2353336

Purpose

Applicant has requested that CCG perform final underwriting for a proposed:

• ☐ Commercial Revolving Line of Credit
• ☐ Accounts Receivable Secured Credit Facility
• ☐ Commercial Working Capital Facility
• ☐ Commercial Premium Finance Facility
• ☐ Other Commercial Financing Product

This Authorization permits CCG to perform final underwriting and credit review.

Commercial Credit Authorization

Applicant authorizes CCG to obtain:

• Commercial Credit Reports
• Business Credit Scores
• Commercial Trade Reports
• Commercial Credit Profiles
• Payment Histories
• Public Record Information

Sources may include:

• Dun & Bradstreet
• Experian Business
• Equifax Commercial
• CreditSafe
• Other commercial reporting agencies

Personal Credit Authorization

If a Personal Guaranty is required, Guarantor authorizes CCG to obtain:

• Consumer Credit Reports
• Credit Bureau Reports
• Consumer Credit Scores
• Credit Histories
• Public Records
• Reporting Agencies

Including but not limited to:

• Experian
• Equifax
• TransUnion

Hard Inquiry Disclosure

Applicant and Guarantor acknowledge that:

Credit Inquiry

CCG may perform one or more hard credit inquiries.

Credit Score Impact

Hard inquiries may affect credit scores.

Underwriting Purpose

Such inquiries are being requested solely for underwriting, renewal, servicing, collection, or review of commercial financing transactions.

Bank Verification Authorization

Applicant authorizes CCG to verify:

• Bank account ownership
• Deposit history
• Banking relationships
• Account balances
• Cash flow information

through documentation provided by Applicant or authorized verification services.

Tax and Financial Information

Applicant authorizes CCG to review:

• Business tax returns
• Financial statements
• Accounts receivable reports
• Borrowing base information
• Supporting financial documentation

provided in connection with underwriting.

UCC, Litigation, and Public Record Searches

Applicant authorizes CCG to obtain:

• UCC searches
• Judgment searches
• Tax lien searches
• Bankruptcy searches
• Secretary of State records
• Public filing information

for underwriting and ongoing monitoring.

Continuing Authorization

Applicant and Guarantor authorize CCG to obtain updated reports during:

• Underwriting
• Renewal review
• Portfolio monitoring
• Collection activities
• Enforcement of Loan Documents

while Obligations remain outstanding.

Certification

Applicant and Guarantor certify that:

• The information provided to CCG is true and complete.
• CCG may rely upon such information.
• This Authorization is voluntarily executed.
• Applicant understands that financing approval is not guaranteed.

No Obligation to Extend Credit

Execution of this Authorization does not obligate CCG to approve or fund any financing transaction.

All financing remains subject to underwriting and approval.

Electronic Signatures

Electronic signatures and electronic records shall be deemed originals and fully enforceable.

Governing Law

This Authorization shall be governed by the laws of the State of California.

Venue shall be Los Angeles County, California.

Applicant Business

• Business Name:
• Authorized Representative:
• Title:
• Signature:
• Date:

Personal Guarantor

(If Applicable)

• Name:
• Signature:
• Date:

Care Cash Global

• Authorized Representative:
• Signature:
• Date: