hey it's Johnny sorry if I caught you at a bad time I'm just returning your call uh with the information you requested hey Johnny here I tried sending everything over by email but it looks like your email address may not have come through correctly we work with both Prime and non-prime lenders so we can look at options across a wide range of credit profiles and depending on the lender income from your employer retirement or other qualifying sources may be accepted for personal loan and you do not need collateral for this