1. SETUP INTERVIEW REQUIRED WITHIN 24 HOURS: You are required to complete the Setup Interview on our website within 24 hours of making payment in order to ensure there are no delays in completing your order. If you delay in completing the setup interview, we will not be held responsible for such delays outside our control.
2. PERSONAL CREDIT AND PERSONAL GUARANTEE REQUIRED: Although corporate credit and funding can be obtained from trade credit vendors and lenders without using your personal credit and personal guarantee, this type of funding is only possible after substantial corporate credit is obtained and used properly over a period of at least 6 to 12 months. For this reason, you should expect that all funding you will obtain in the first 6 to 12 months from the date you purchase the aged corporate entity will always require using your personal credit and personal guarantee. BEWARE OF ANY OTHER PERSON OR COMPANY PROMISING TO GET YOU FUNDED WITHOUT A PERSONAL GUARANTEE – IT IS MOST LIKELY A SCAM.
3. GOOD AND CLEAN PERSONAL CREDIT RECOMMENDED: There are no minimum credit scores as each Lender has its own separate Underwriting Matrix. If your Personal Credit is not perfect, you can
4. NO CREDIT REPAIR PROVIDED: We cannot assist you in the process of repairing credit issues. If your personal credit is not near the Ideal Personal Credit Profile explained above, we recommend you bring in someone who is as close as possible to the Ideal Personal Credit Profile to be the President of the Corporate Entity in order to achieve the best results.
5. 80 PAYDEX PROGRAM IS OPTIONAL AND TAKES 45 TO 60 DAYS: We can achieve an 80 Paydex Score or higher within 45 to 60 Days, assuming you follow our instructions in a timely manner. We do everything possible on your behalf in order to minimize your involvement in the process. You can go for Funding either before or after the 80 Paydex Program is complete – The choice is yours. However, beware that some of the Lenders you apply with may deny your applications specifically due to not having an 80 Paydex Score. For this reason, we always recommend that our Clients obtain the 80 Paydex Score before going to Funding, so that Funding Results can be maximized. The 45 to 60 day time frame is counted from the day the corporation setup process is 100% complete, including the foreign entity registration in your home state. The 80 Paydex Program does not include the cost of purchasing small-value items from the reporting vendors. Expect to spend an additional $250 (approximately) with trade credit vendors.
6. 80 PAYDEX PROGRAM PURCHASE SEPARATE FROM FUNDING RESULTS: The 80 Paydex Program purchase stands alone and is never tied to actual funding results you end up achieving. Any assistance we may provide with financing is treated as a completely separate service, completely separate and independent of the 80 Paydex Program. You are not eligible for a refund based on what funding results you achieve or don’t achieve.
7. NO GUARANTEE NOR PREDICTION OF FUNDING RESULTS: The purchase of a pre-established and aged corporate entity greatly facilitates the achievement of corporate credit and financing, but does not guarantee it. No one here can predict your funding results. Various factors, such as your personal credit scores and credit history, the availability of lenders based on your geographical location, the current economic climate, and your ability to follow-through on credit applications and approval requirements, are all factors outside our control and for that reason we legally cannot and therefore do not in any way guarantee any particular result for customers, whether we assist you in the process of obtaining financing or not. YOUR RESULTS WILL DEPEND ON VARIOUS FACTORS OUTSIDE OUR CONTROL AND CANNOT BE GUARANTEED NOR PREDICTED BY ANYONE.

SUCCESS FEE TERMS:

As part of the funding process, a Success Fee of 10% of the maximum credit limit or loan amount on each approved facility will be due. This fee is only payable after the credit facility is confirmed to be approved, which means you only pay when we deliver real results. The Success Fee is due within three business days after we confirm the approval and know the amount, and we will automatically charge your credit cards on file (as explained in the next section) to make the process as smooth as possible.

We will submit up to 15 credit applications on your behalf to the lenders we believe will be most likely to approve you for the highest limits and lowest rates, but the main focus is on the lenders that can offer the highest limits and highest chances of approval. Why do we submit up to 15 credit applications? It’s because this is the maximum number of applications we can submit without negatively affecting your approval chances due to too many credit inquiries. After this point, the number of inquiries starts to reduce your likelihood of approval, so limiting it to 15 strikes a balance between getting you the best results and protecting your credit.

It’s also important to understand that, by law, we cannot guarantee a specific amount of funding or even guarantee that you’ll be approved at all. While we aim to get the best possible results for you, everyone’s credit profile and circumstances are different, so outcomes will vary. Rest assured, we always do our best to get you the funding you need.

Additionally, as part of this process, your credit will experience some inquiries. Many lenders will do a hard inquiry, which could temporarily lower your credit score, while others might perform a soft inquiry, which has no immediate impact. Unfortunately, we cannot predict in advance which lender will use which type of inquiry or which credit bureau they’ll check. Lenders could pull from any of the three major bureaus—Equifax, Experian, or TransUnion—and in some cases, more than one. This is simply part of the process of securing funding, and there is no better way to do it.

Transparency and Payment of Success Fees

We want everything to go as smoothly as possible, and the only way we can ensure that is by having complete transparency and cooperation from both sides. After we submit your credit applications, we can only know if an application is approved or denied when the lender sends an email to the email address we use for the applications. This email lets us confirm the approval or denial. However, some lenders do not send emails and instead notify applicants by mail.

In these cases, the only way for us to find out the outcome is when you provide us with the approval or denial letter. This is why our contract requires you to provide those letters if we don’t receive an email confirmation. You must provide the approval or denial letter for every application within 30 days of the application submission. This helps us track what’s happening, update our records, and charge the appropriate Success Fee for approved applications.

If you don’t provide these letters, we have no way of knowing what happened. If 30 days pass without the approval or denial letters, this puts you in breach of contract, because we have no way of knowing the results. To compensate us for the wasted time and effort in chasing down these letters, and for not knowing the status of these applications, you agree to pay $500 per application as liquidated damages. We give you an additional 30 days, so if you haven’t provided the letters within 60 days, the $500 becomes due for each credit application where you did not provide us with the approval or denial letter, and this fee will not be reduced, even if you provide the letter later. If it’s not paid within the next 30 days, the debt will be sent to collections, which could result in a report to one or more personal and business credit bureaus. We don’t want this to happen, and we hope to avoid it, so it’s important that you cooperate by providing the necessary letters so that we can charge the Success Fee and keep everything running smoothly. All lenders are required by law to provide an approval or denial letter, and this is something automated on their end.

Reversal or Cancellation of Approved Facilities

If an approved credit facility is later reversed or canceled by the lender, or if you decide to cancel the account due to interest rates or terms, the Success Fee will not be refunded. However, the amount will be credited to your account as store credit for future approvals.

Providing Credit Card Information for Success Fees

To ensure a smooth process and avoid unnecessary delays, we require you to provide two valid credit cards on file. This allows us to automatically charge the Success Fees when your credit facilities are approved, avoiding the need to continually ask for updated payment information or risk delays due to declined charges.

– We will first charge your primary credit card.

– If that card fails, we will charge the secondary card.

– If both cards fail, you agree to provide new cards within two business days.

This system is in place to make the payment process seamless for both parties and to avoid any back-and-forth that could slow down your funding.

If at the end of the funding round you have unused store credit, you can apply it to future funding rounds within the next 6 months, and as a courtesy, we’ll double your store credit to give you even more value for your next round of approvals.

CREDIT CARD FRAUD: WHAT YOU NEED TO KNOW:

There are 2 Types of Credit Card Fraud that we believe you should be aware of and here is how we can protect ourselves:

TYPE 1: Identity Theft

This happens when someone uses your Identity and your Credit Card without your Authorization. To prevent this, we have an FTC-Required “Know Your Customer” Identity Verification Process. Government Regulations require us verify the identity of each Client by obtaining a copy of the Client’s Photo Identification. We are also required by our Merchant Processor to obtain a copy of the Credit Card used to make this purchase, and make sure the name on the Credit Card matches the name on the Photo ID.

TYPE 2: Civil Theft

This happens when a Client purchases a Corporate Entity from us and subsequently calls their Credit Card Company and falsely claims that the Corporate Entity was never delivered, or that the Client was never involved in placing the Order with us in the first place, or some other false claim aimed at getting his Credit Card Company to return the funds to the Client at our expense, resulting in a situation where the Client received the Corporate Entity in full and on time, but effectively stole the Corporate Entity from us. This is called Civil Theft, and we will refer all such cases to a Collection Attorney in the Client’s Home State, and well as report to, and assist the FBI in prosecuting such Crimes.

TERMS SPECIFIC TO CREDIT CARD PAYMENTS:

You authorize us to charge your credit card for the purchase price and agree that if you decide to split this payment among more than one of your credit cards, each of your credit cards may be charged without the need for additional authorizations, as long as the total charged does not exceed the purchase price.

You certify that we have verified your credit card (front and back) and photo identification to confirm your identity, and that you are both the customer and the cardholder in this transaction.

You accept the Service(s) provided for the Purchase Price as delivered in full as soon as the Articles of Incorporation/Organization are shipped to the billing address on your credit card account and the tracking number is provided to you via email. This shipping confirmation shall serve as final proof of the Service(s) being delivered to you satisfactorily, and as final proof that the amount charged has been fully earned.

You understand that Partial Payment(s) towards the Purchase Price shall be considered as a Non-Refundable Deposit towards the Purchase Price in exchange for the reservation of the Corporate Entity(s) above for a mutually agreed-upon period of time, which shall never exceed 30 Days. In the event this time period expires and the balance of the Purchase Price is not yet paid, you agree that your Partial Payment(s) shall become Store Credit, available for future use with us for a maximum period of 6 months, after which the store credit will expire.

You agree that, due to the intrinsic nature of the Service(s), the Service(s) and any associated Service(s) (if any) included cannot be canceled and are NON-REFUNDABLE.