June 26, 2014

Maria Irizarry
7600 Nw 27 Ave Street lot 50
Miami, FL 33147

Dear Ms. Irizarry,

Thank you for your interest in ACCION and your request for a small business loan. We have
evaluated your application and at this time, your business does not qualify for a loan under our
requirements. Your loan application was declined for the following reason(s):

Your credit score is below 575

You currently have more than $3,000 in past due debts.

Please take a moment to visit our financial and business education resources on our Website at
www.accionusa.org/financialeducation. You will find information that can help you strengthen
your business and credit and increase your chances of qualifying for a loan in the future. You
may reapply with Accion in three months.
Is your credit holding you back from obtaining financing? We can help you take control
of your credit! The Accion Credit Coaching Program offers you a one on one consultation with
our Accion Credit Counselors* who will help you determine the best way to approach your
financial situation and provide you guidance on managing your credit.
To set up your first appointment, call 866-245-0783 or email creditcoaching@accionusa.org.
*Accion Credit Counselors are certified by the National Association of Certified Credit Counselors.

Again, we thank you for your interest, and we wish you the best in your business endeavor.

Sincerely,

Ana Hammock
VP of Lending
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color,
religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all
or part of the applicant's income derives from any public assistance program; or because the application has in good faith exercised
any right under the Consumer Credit Protection Act.

Accion East and Online

80 Maiden Lane, Suite 903, New York, NY 10038. Tel 866.245.0783
www.accioneast.org