We call them
different,
not competition.
The rest of the market is selling an outdated playbook. We built something entirely new. Read through each point below and see exactly why our partners say there is nothing else like it.
Still selling what
worked back in 2012.
Technology changed business lending fundamentally, but most of the market never caught up. They are still pushing the same talking points they used over a decade ago.
- Separate your personal and business credit
- Never personally guarantee a loan
- Get approved on business credit alone
- Build to an "80" D&B score
Eight points that
separate us entirely from
the rest of the market.
We are not the cheapest option. We are the most complete. Read through each point and you will understand why our partners consistently say the same thing: they wish they had found us sooner.
Watch the full comparison walkthrough before you read on.
A True Private Label
No OwnersPath branding ever touches your clients. No consumer marketing, no competing with you head-to-head, no client circumvention, and no selling your client data out the back door. We try hard to be completely invisible.
Competing With You Head-To-Head
Not a true private or white label. They compete against you directly in the market. Heavy consumer-based marketing allows your clients to circumvent you entirely and go straight to the source.
FICO SBSS Front and Center
Helping your clients become bankable means leading with FICO SBSS, the score your clients must reach (minimum 160) to qualify for bank lending. Have the other guys even told you what FICO SBSS is?
Still Pushing the "80" Score. Why?
Still promoting an "80" D&B business credit score that 10,000 cash lenders including banks, credit unions, the SBA and more no longer rely on. That score makes up only 5% of the critical FICO SBSS.
Becoming Bankable Is the Goal
The primary objective is helping your clients become bankable, not just funded. Bankable means low interest, longer repayment periods, and larger amounts. That is where real business transformation happens.
Empty Buzzwords Don't Mean Anything
Vague "just get approved" language sounds good but delivers little. Non-bankable funding is typically 25%-50% interest, very short term (12-24 months), and mostly small amounts under $100K.
Be Truthful With Your Clients
FICO SBSS is now dominant in business cash lending the same way FICO dominates personal credit. A large portion of your client's FICO SBSS is directly tied to the personal credit of anyone owning 20% or more of the business.
Still Selling the "Separate" Myth
"Separate your personal credit from your business credit" was true in 2012, but not in 2025. Technology changed everything. The business owner's personal credit now makes up 35% of their critical FICO SBSS.
Business Lending Has Changed
If your client's business is under 3 years old or under $1 million in annual revenue, they will likely need to personally guarantee most bank, credit union, SBA, and fintech loan approvals. Tell them the truth up front.
Selling What No Longer Exists
"Never personally guarantee another business loan" was possible in 2012, mostly not in 2025. It only applies to some extremely high-interest non-bankable loans, vendor Net 30 lines, and a few store business cards.
Making Your Clients Real
Becoming bankable is far more than being funded. What is in your client's UCC file? What is their bank rating? What is their FICO SBSS? There are many factors that go into becoming truly bankable.
If You Can Fog a Mirror...
"Have your business approved based only on its corporate credit." Business credit is not used to approve cash loans. It is used to decline applicants and set amounts, rates, and terms. Personal credit still matters.
Business Credit Cards Are a Good Thing
Credit card stacking can play a major role in client funding. But these 0% interest business credit cards are based on the owner's personal credit, are personally guaranteed, and in business "late means late" with no grace period.
Failing to Warn Clients
These 0% for 18 months business cards paid even 2, 5, or 10 days late means the 0% is gone and replaced with 34.99%. No 30-day grace period exists. Not informing clients of this is doing them a serious disservice.
A Higher Value at a Lower Cost
One-time setup: $497. Monthly subscription: $199. Unlimited pre-qual scans. Unlimited affiliate additions. A complete turnkey done-for-you back office at no extra cost. True white hat, full system.
High Cost for a Lower Value
Entry-level setup runs $3,000 to $4,000, and that is just to get in the door. Higher tiers climb significantly from there. Monthly fees, add-on charges, and required third-party tools stack up fast, and they still compete with you in the market under their own consumer brand.
The score, at a
glance.
Eight categories. One clear winner. Here is the full side-by-side summary.
See it live. Compare it yourself.
A 30-minute live demo walks you through the full platform: what your clients see, how you earn, and why partners consistently say there is nothing else like it.