Is this an hour of training, or an hour of pitch?
The training runs 45 to 60 minutes and the first 40 are the mechanics: who pays the fee, what a funded deal pays the business, what my team does and what you do. The invitation to a roadmap call comes at the end and I name it as an invitation. Every number I use is my own number, not a forecast of yours. If you want a promised income figure before you start, I don't have one and I won't invent one.
What does a funded deal actually pay?
A funding business is paid about 10% of what gets funded. A $100,000 funding pays the business about $10,000. The common structures are 10% on the back end, or $2,000 up front plus 8% on the back end. My team averages $130,000 per funded client. The fee comes out of the client's funding after it lands, so nobody writes you a check for a deal that did not fund. Those are my numbers, not a projection of yours.
Do I need a license?
Commercial business funding and consumer mortgage lending are two different regulated activities, and most states require no license for the commercial side. California comes up most often. You introduce, my team places, you never make a loan. Check your own state and your own professional rules before you sign anything with anybody. Nothing here is legal advice.
Do I have to learn underwriting?
No. You have three jobs on a deal: find the owner, scan and submit, get paid. My team packages, sequences and closes, the same way it does 40 to 50 times a month. You do not need to become an underwriter. You need access to one.
I don't have a client book yet. Is this for me?
It works from scratch. It is just faster if you already have business owners in your phone, because the hardest asset in this business is an owner who answers. I started with a 520 credit score and no clients at all.
I'm a CPA. Is there a conflict?
You disclose, the client chooses, my team does the funding work. Some of the strongest operators in this are tax pros, because they see the cash gap before anybody else does. Your professional rules get walked through on the call before anything gets built.
Isn't this saturated?
My team funds 40 to 50 business owners a month right now at a $130,000 average. There are 34.8 million small businesses in the United States and about one in three applied for financing last year. Most of them did not get what they asked for. Saturation is a content problem, not a capital problem.
What does it cost?
The training is free. The install is a mid four-figure investment and I don't put the number on a page. Here is why. It is the same number for everybody, so nothing about you changes it. The reason I still say it on the call rather than on a page is that I want to see your book first, so you can tell whether it is worth it instead of guessing. There is a pay in full, a three payment option and outside financing. You get the exact figure at the start of the roadmap call, before I ask you for a thing.
What happens to my clients if your team stops?
You own the brand, the website, the contracts, the CRM data and the client list from day one. My team is a fulfillment partner and it never holds your client relationship. The market has a name for the arrangement where it does, a glorified referral partner, and that is the state this is built to get you out of. Ask any vendor those same four questions before you sign with them, including me.