I spoke to Edward Serrano regarding my situation. We had a very short conversation while we filled out my application. I signed it and sent it along w/ my bank statements and I received a phone call within 24 hours from their underwriting team congratulating me on my approval! I couldn't believe it! Especially when the bank had me go through a lengthy process just to deny me! I was even more surprised when I had the funds wired into my bank account 3 days later! $124,000! Just what I needed to expand my business! I highly recommend M&P to anyone!