HUGE SCAM, BE ADVISED, The whole process has been a disaster, The owner of this place William Hawkins is a big liar with a big mouth, He keeps threatening us, we have his drunk text messages and emails at 3:00 am and we are willing to share them, He threatened to share our private information if we didn't leave him a good review, He stole $1500 from us and never got us a loan, He also never disclosed any information and does not have a PRIVACY POLICY in place, We have contacted the authorities for privacy issues and the Missouri attorney generals office for fraud, We will take Hawkins to small claims court under the Missouri consumers protection act and hopefully get our money back, never mind the six months wasted and our private information shared with god knows who. "Please be aware" You can just walk into a bank and get a loan, don't fall into this trap like we did. It has been the absolute worst experience of all. BE ADVISED