{
  "name": "Wyo Stays business funding referral service",
  "operator": {
    "legal_name": "Wyo Stays LLC",
    "address": "151 W Brundage St, Sheridan, WY 82801",
    "url": "https://wyostays.com"
  },
  "what_it_is": "A business-funding referral service, not a lender. It refers requests to third-party lenders and funding partners, who set rates, amounts and terms.",
  "disclosure": "Wyo Stays LLC is a business-funding referral service, not a lender. We refer requests to third-party lenders and funding partners and may receive compensation from them if your financing funds. Submitting this form is not an application for credit and does not pull your credit; a lender may perform a credit inquiry, which could be a hard inquiry, before funding. Offers, rates and terms come from the lender. Nothing here is a guarantee of approval, amount or timing.",
  "cost_to_applicant": "No fee to send a request. A lender may pay the referral service if financing funds.",
  "credit_check": "Sending a request does not pull credit. A lender may run a credit inquiry, which could be a hard inquiry, before funding.",
  "programs": [
    {
      "id": "line_of_credit",
      "name": "Business line of credit",
      "description": "Revolving access to cash for furnishing, repairs, slow seasons and surprises. Borrow, repay, borrow again."
    },
    {
      "id": "term_loan",
      "name": "Term loan",
      "description": "A lump sum with a set repayment schedule for a larger, one-time need."
    },
    {
      "id": "equipment",
      "name": "Equipment financing",
      "description": "Buy or lease equipment, usually with the equipment itself securing the financing."
    },
    {
      "id": "real_estate",
      "name": "Real estate financing",
      "description": "DSCR, fix-and-flip and bridge loans for rental property in Wyoming, Montana and Colorado."
    }
  ],
  "uses_of_funds": [
    {
      "id": "working_capital",
      "label": "Working capital",
      "programs": [
        "line_of_credit",
        "term_loan"
      ]
    },
    {
      "id": "equipment",
      "label": "Equipment",
      "programs": [
        "equipment",
        "term_loan"
      ]
    },
    {
      "id": "real_estate",
      "label": "Real estate (DSCR, fix-and-flip, bridge)",
      "programs": [
        "real_estate"
      ]
    },
    {
      "id": "furnishing_renovation",
      "label": "Furnishing or renovation",
      "programs": [
        "line_of_credit",
        "term_loan"
      ]
    },
    {
      "id": "other",
      "label": "Something else",
      "programs": [
        "line_of_credit",
        "term_loan"
      ]
    }
  ],
  "amount_bands": [
    "Under $25,000",
    "$25,000 to $50,000",
    "$50,000 to $100,000",
    "$100,000 to $250,000",
    "$250,000 to $500,000",
    "$500,000 or more"
  ],
  "state_rules": {
    "real_estate_property_states": [
      {
        "code": "WY",
        "name": "Wyoming"
      },
      {
        "code": "MT",
        "name": "Montana"
      },
      {
        "code": "CO",
        "name": "Colorado"
      }
    ],
    "no_revenue_based_financing_for_businesses_in": [
      {
        "code": "VA",
        "name": "Virginia"
      },
      {
        "code": "CT",
        "name": "Connecticut"
      },
      {
        "code": "MO",
        "name": "Missouri"
      },
      {
        "code": "TX",
        "name": "Texas"
      }
    ],
    "lender_disclosures_passed_through_unaltered_in": [
      {
        "code": "CA",
        "name": "California"
      },
      {
        "code": "NY",
        "name": "New York"
      }
    ]
  },
  "tools": [
    {
      "name": "Factor rate to APR calculator",
      "url": "https://wyostays.com/funding/real-cost",
      "input_via_url": "amount, factor or payback, fees, freq (daily|weekly|biweekly|monthly), months, mode (factor|payback)"
    },
    {
      "name": "What fits check",
      "url": "https://wyostays.com/funding/calculator"
    }
  ],
  "how_to_request": {
    "url": "https://wyostays.com/funding",
    "who_may_submit": "The business owner or an authorized person at the business, in a browser. Requests need a human verification check and the person's own contact consent; agents should hand the link to the person rather than submit for them."
  },
  "partners": "https://wyostays.com/funding/partners",
  "will_not": [
    "promise approval, amounts, rates or timing",
    "charge the applicant a fee"
  ]
}