No OwnersPath branding. No consumer marketing, no competing with you, no client circumvention and no selling of your client’s data out the back door. We try hard to be invisible.

Not a true private or white label. They compete with you head to head in the market. They do heavy consumer based marketing allowing your clients to circumvent you.

Assisting your clients to become bankable of which FICO SBSS is where your clients must have at least a 160 or they will not become bankable. Have you been told about FICO SBSS?

Still pushing an “80” business credit score from D&B which 10,000 cash lenders such as banks, all credit unions, the SBA and more no longer use. That score now makes up only 5% of the vital FICO SBSS.

The primary goal is to Become Bankable, not Fundable. There are billions available in non-bankable programs. Bankable is low interest, longer repayment periods and larger amounts.

Use terms like "are your clients fundable". There's billions in non-bankable funding available, that are very high interest (25%-50%), very short term (12-24 months) and mostly small amounts (under $100K).

FICO SBSS has become dominant in the business cash lending market the same way FICO is now dominant in personal credit. A large percentage of your client's FICO SBSS is a factor of anyone owning 20% or more of their business.

“Separate your personal credit from your business credit”. Sounds great and is easy to sell. It was true in 2012, but not in 2025. Technology has advanced. The business owner’s personal credit now makes up 35% percent of their critical FICO SBSS.

If your client's business is less than 3 years old and has less than $1 million in annual revenue then they will have to personally guarantee most bank, credit union, cash credit card, large fintech and SBA loan approvals. Tell them the truth.

“Never have to personally guarantee another business loan”. Again, that was possible in 2012, just not so much in 2025. It is still true for some extremely high interest non-bankable loans, vendor Net 30 lines of credit and a few store business cards.

Becoming bankable is so much more than simply being fundable. Non-bankable is still fundable. What is in your client’s UCC file? What is their bank rating? What is their FICO SBSS? There are many other factors that go into becoming bankable.

“Have your business approved based only on its corporate credit”. Business credit is not used by cash lenders to approve. It is used to decline and to determine the amount, rate and term, but not solely to approve. Owner's personal credit is a factor.

Credit Card Stacking can play a major role in a client's funding. But these 0% interest business credit cards are based on the personal credit of the owners, are personally guaranteed and in business "late means late".

There is no 30 day grace period. These 0% for 18 months business credit cards if paid even 2, 5 or 10 days "late", the 0% interest is gone and it is replaced with 34.99%. OUCH! We make sure your clients are informed.

Most of the competition offer some of what we do but not all of what we offer. We have no consumer side. We have no setup fee. We have a very low cost of entry. Pre-Qual scans are unlimited. Adding affiliates is unlimited. Our private label has a complete turnkey "done for you" back office support and sales at no extra cost for a true "white hat" system.

They have a consumer side that competes directly "head to head" against you. They have $5,000, $10,000, or $25,000 setup fees. Their monthly fees are $700 or higher. They charge for almost all add ons. They pay out lower commissions. They keep your service vendor revenue. Or they pitch business credit as a magic pill that no longer exists.