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 Experian and D&B which cash lenders such as banks, credit unions and the SBA do not use. Those scores are a % now of 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 2024. Technology has advanced. The business owner’s personal credit is now a major percentage 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 2024. 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 and are personally guaranteed.

Some impersonate your clients, lie on credit applications about their income, put fake tradelines on credit reports, and more bad things you should stay very far away from. See "Things To Know".