Can I get a loan if my member retention rate is low?

Absolutely—a lower retention rate won’t automatically disqualify you. We look at your 3-month average deposits (min. $10K/month) and overall cash flow. If you still meet those thresholds and maintain a 450+ FICO as a U.S. citizen, you can borrow funds to implement loyalty programs, membership perks, or follow-up campaigns that boost repeat visits and strengthen long-term revenue.