Common Questions & Tracking Your Referrals
⚡ STILL COMMON (11–20)
Is this personal or business funding?
It's business credit — tied to the business and doesn't report to personal credit if used correctly.
Will it show up on their personal credit?
Most cards do not report to personal credit unless they default. We structure it carefully.
What if someone already has business credit?
Perfect — we can stack new funding on top of what they already have.
How do I track my referrals and payouts?
You'll receive a custom Google Sheet with live updates: status, funding amount, notes, and more.
What happens after I make a 3-way intro? We reach out, qualify the lead, walk them through the process, and update you on their progress.
Do you work with clients in all 50 states?
Yes — we serve clients nationwide.
Can you help someone with no LLC or business set up yet?
Yes — we help them set up an LLC and structure it properly to qualify.
What's your approval rate?
High — around 80% of qualified leads get funding. If someone doesn't qualify, we can usually help them fix their profile.
Are there any upfront fees?
There is a $500 deposit required. We only get paid when funding is secured.
Is there a contract or commitment for referring people?
No contract required — just refer qualified people and get paid.
💼 ADVANCED QUESTIONS (21–30)
- What credit bureaus do you pull from? Depends on the bank, but we work with all three: Experian, TransUnion, and Equifax. Strategy varies per application.
- What's considered "good revolving credit"? Ideally, at least one credit card with a $5K–$10K+ limit and low utilization (under 30%).
- What if someone has a 680–699 score? Possibly! We can pre-qualify them or help boost their score quickly. Most of the time we fix utilization in this case and it can be an easy fix if they don't have negatives.
- Do you use stated income or actual income? Stated income — we don't ask for tax returns or bank statements.
What banks do you work with? We work with big names like Chase, Amex, US Bank, Wells Fargo, TD Bank, and many local/regional banks. We work with 4000+ banks and institutions to maximize funding.
Do you remove hard inquiries?
Yes — we can guide clients through soft inquiry banks or help them remove inquiries after the funding round.
Can a co-signer or authorized user help qualify?
Yes — adding an authorized user with a strong profile can help boost scores.
Do you help people remove collections or fix credit?
Absolutely. We offer full credit repair and guidance.
What is the typical interest rate after the 0% period ends?
Typically 12%–22% APR, depending on the card. Most clients pay it off or stack again before the promo period ends.
What's the difference between your 0% program and SBA loans?
SBA loans require heavy documentation, time, and collateral. Our program is fast, 0%, and based only on credit.
- Can you help real estate investors or flippers? Yes — many use the funding to cover down payments, flips, marketing, or acquisitions.
- Do you offer hard money or other types of loans? Yes — we can connect them with hard money lenders as a backup or complement to our 0% funding.
- Can you help startups or new businesses? Yes — even brand-new businesses can qualify if their personal credit is strong.
- Can someone use this funding to pay off other credit cards? Yes — they can do balance transfers or liquidation to pay off high-interest debt.
- Is there a funding guarantee? No guaranteed approvals — but we pre-screen leads to make sure they have a high chance before submitting apps. This is why we have a performance fee so there is no risk to the client.
- Do you help nonprofits or churches? Case-by-case. If they have good credit and are set up correctly, we may be able to help.
- Can I refer someone who already has business cards? Yes — as long as they meet the credit requirements, we can still get them more.
- Can this funding be used for marketing or scaling a business? Absolutely — most clients use it for ads, inventory, expansion, and more.
- Do you offer a multi level affiliate option? Yes — we offer both, depending on your experience level and volume. We would pay an extra 5% if you recruited someone and they become an affiliate.
Less Frequent But Important Questions
🧠LESS FREQUENT BUT GOOD TO ANSWER (41–50)
Can I earn recurring commissions on funding rounds?
You'll get paid for each round you refer, even if it's the same client in the future.
Can clients get more funding later through you?
Yes — we help clients re-stack every 6–12 months.
Is this a one-time funding process or ongoing relationship?
Ongoing — many clients work with us for multiple rounds and refer others. It is a done with you program that teaches them but 70% still come back for more help.
What happens if a client gets denied?
We help them fix whatever held them back — whether that's credit repair, profile cleanup, or banking optimization.
What if a client ghosts or doesn't respond after the intro? We'll follow up. You can stay in the loop through your tracking sheet, and we'll let you know if they re-engage later.
Do you have a tracking sheet or portal to manage my referrals?
Yes — your custom tracking sheet shows everything in real-time: status, notes, payouts.
Do I need to be a business owner to be a partner?
Nope — you just need to know business owners or people who need funding.
Can I refer people internationally or just in the U.S.?
For now, we only serve U.S.-based clients with U.S. credit profiles.
Do you offer funding in Spanish or other languages?
We have team members fluent in Spanish — just let us know.
Can I get a flyer, template, or resource kit to help refer more people?
Yes — we'll send you social media templates, referral scripts, and a resource pack to get you started!
Funding Partner FAQ: Everything You Need to Know