They badger you until you finally talk to them. Benjamin truly seemed sincere and warned me of other loan company's that would be calling trying to get our business with lies. Well he is no better. Our credit scores were over 600. With a few dings to correct, no big deal. He would work with us to get them fixed, after saying "There is no way I would loan you the money." Wrong, too much work. After him selling me on Texas Lending, and how he would be there through the whole process and give us tips to clear the dings up, we never hear from him again only after several calls and emails, do I get a reply, "Sorry, get back to you." Don't fall for this guys "nice tactics" unless you have perfect credit and he doesn't have to do any work. Kevin, the CEO/Founder won't even reply.