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May 31, 2019
If you should wish to write to our Director of Customer Relations,
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The Alchemy of Planetary Transformation
Treasured [[firstname]],
Those who don’t know me well sometimes think, “Yeah, that’s Taansen — into Indian gurus and such.” But that’s FALSE . . . because the majority of the so-called “gurus” themselves are FALSE! I only endorse the FEW who are in the Supreme Consciousness. And SOME are from the West as well . . . such as Sananda (who incarnated as the One called Yeshua, Christ, Isa, Immanuel), Saint Germain, Adi Da Samraj (American born), Eckhart Tolle, David Hawkins, and Others. You cannot categorize me and put me into your convenient little mental file cabinet as “that’s him” — labeled and finished!
I advocate essentially One Thing – – that all human beings DIRECTLY EXPERIENCE and AWAKEN TO turiya – – “the fourth” state of consciousness. A STATE OF CONSCIOUSNESS IS NOT A RELIGION, A PATH, A PHILOSOPHY, A THEORY, A BELIEF SYSTEM, A PERSUASION OF THOUGHT, OR A GEOGRAPHIC CULTURAL STYLE!! It is a Plane of Direct Experience that one grows into permanently. THAT IS THE SOURCE OF ALL RELIGIONS AND ALL PHILOSOPHIES. Like petals on the flower . . .
The most highly advanced souls advocate the FORMLESS CENTER . . . which is beyond all form, definition, or limitation. And we CELEBRATE the PETALS which emanate from that center without distortion. Those number in the limitless Godzillions . . .
LET’S ALL CELEBRATE TRUE ENLIGHTENMENT FROM WHEREVER IT COMES . . .
WE CELEBRATE ITS ALL-PERVASIVE UNIVERSAL UNIFYING POWER . . . KNOWN THROUGHOUT CREATION BY THE ENGLISH WORDS: UNCONDITIONAL LOVE.
The seven stages of social transformation in the rise of world consciousness and the unfoldment of planetary ascension are the same as the seven stages in the alchemy of the Philosopher’s Stone – – the White Powder of Gold! Those stages are:
1 – – Calcination
2 – – Dissolution
3 – – Conjunction
4 – – Separation
5 – – Fermentation
6 – – Distillation
7 – – Coagulation
World consciousness is evolving through the seven alchemical stages, exactly the same as the way the Elixir of Immortality does. Current world events are part of an alchemical process that is happening in world consciousness . . . at every single one of the seven stages. Mankind has passed the first fivestages, and is in the middle ofsix– Distillation. That is why the 90,000+ sealed indictments are being unsealed, dark lords are being arrested, the swamp is being drained, and the not-so-good is being filtered out of the Good. That’s distillation. World consciousness is being purified . . . on its way to a collective Enlightenment.
When one knows that we are evolving very soon into a world with no debts and no taxes, one can more clearly see the wisdom of using BIC’s tools to implement that freedom right now, and to use the wealth-generating and wealth-protecting resources offered by the various outsource affiliations we refer to throughout the BIC website.
One of the winners in these wealth-generating programs is the credit leasing opportunity. Those who have responded to past newsletters and qualified for the program are now receiving thousands of dollars in extra income because of it. That is the theme of this newsletter.
In Fellowship and Cosmic Communion,
Yours, Taansen Fairmont
Founder, Brilliance in Commerce
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– – Available only in the United States of America thus far – –
Free Income from Leasing Your Credit
How to Get Unprecedented Access to Massive Credit
and Capital for the Average Business or Individual
Non-Repayable – –
Non-Recourse
Tested and Proven by Our Clients for Two Years
– Relationship Established – Integrity Confirmed
No Cost – – No Up-Front Fee – –
No Out-of-Pocket Fee – – No Investment
We at Brilliance in Commerce are pleased to announce that two years of due diligence have been completed on a company that specializes in self-liquidating capital funding from a credit leasing program for both businesses and individuals.
This means for corporations with the right credit profile and income, typically six to seven figures can be realized that does not have to be repaid, because it is part of a larger amount of credit issued which is invested with sufficient returns to cover the debt service and interest. The client under contract has no liability for such repayment.
Likewise for individuals who have a 750+ credit score and $80,000+ per year in verifiable income, six figures in funding can be obtained via the same process described above, with no need to repay. Therefore here is a formula to create wealth fairly quickly even for individuals who at present may not have such a corporation at present.
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There is no up-front fee or cost to enroll in this program. The company’s fees are taken out of the profits generated, so it is a zero-risk proposal for clients.
The most important part of our due diligence was in referring clients to this service and watching to see if it worked for them. It did. They got funded. We have seen the proof and it is verified. In addition, we have spent nearly two years investigating many other aspects of this service, and developing a relationship with the CEO.
If the capital is used correctly, for life supporting purposes, it is a positive and evolutionary use of the capitalist system that is in harmony with universal law and is beneficial to the world at large. This is what we call “good debt” in our debt elimination eBook. Sovereign individuals have the right to use this system ethically and still maintain their status.
Therefore, BIC has developed direct collaborative partnership with the CEO of this company, under independent contract, to refer clients to its credit leasing program.
For those who don’t have the required qualifications, you need not feel left out. You can refer people who ARE qualified, and negotiate a percentage with them; or partner with us as affiliates, and receive commissions for qualified referrals. Thus no one can say that there is anything unfair for anyone about this proposal.
More information follows below.
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- No fees to pay
- Not an investment
- Not a product or service to buy
- Not something that has any financial risk
Financial Alchemy: Make 5 or 6 figures a year using your credit
• Stop using your credit as debt. Instead, use credit as a vehicle to profit.
• Corporations: Upon approval, lease your credit and receive typically six or seven figures – – paid in installments.
• Individuals: If you are approved, lease your credit and receive a minimum of $10,000. The goal is to take you into $100,000 and beyond. Many individuals have received $200,000 to $300,000 and more. This is paid in installments. After personal funding via a credit joint venture, the next step, if you wish, is to get set up for corporate funding.
• Get started with all this with zero out-of-pocket expenditure.
• This is not an investment.
• This is not a job to work at or a business for you to run.
• It’s not anything that asks you to pay anything.
• It’s not a prelude to an upsell.
• There are no products to buy.
• Already existing high credit score helpful, but not required.
• No requirement to sell anything.
• No requirement to refer anyone.
• No requirement to perform any services.
• There is no “catch”.
• It’s not like anything ever offered before.
THE SITUATION IN AMERICA
For too long Americans have been taught to use credit to create liabilities. For YEARS our FICO score has been used to manipulate us into terrible financial decisions. We are then forced to work today to pay down debt for tomorrow. It’s no wonder why 2/3 of the population struggle with poor credit. 68 Million Americans have slow to bad credit.
MISSON: Credit Lease Program
We would like to introduce you to a Credit Lease Program. Its mission is to help all Americans learn the power of their credit score by providing their clients an opportunity to utilize that 750 to 800 credit score as a Credit Joint Venture Partner (CJVP).
CREDIT EDUCATION CREATES WEALTH
This Credit Lease Program teaches its students how to use credit as a cash- producing asset instead of creating liabilities that enslave most people. By joining the Credit Lease Program platform a client can become a Credit Joint Venture partner and quickly position himself/herself to receive passive monthly income and lay the foundation for creating real wealth.
Question: Since we at Brilliance in Commerce publish information on how to eliminate debts, and teach that bank loans are fraudulent, why would we appear to be interested in favoring the use of credit?
Answer: Read our eBook, if you haven’t already – – “How to Outright Cancel 100% of Your Unsecured Debt”, particularly the section “The Difference between Good Debt and Bad Debt” (pages 4-5). The short answer is, bad debt is what we teach people how to cancel. Good debt is when you enter into it voluntarily for good investments that multiply your money and lead to wealth. That’s what the Credit Lease Program does.
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BENEFITS
The General Partner will provide the following benefits on a best effort basis to the General Partner JV Partner under the terms and conditions of the agreement:
General Partner is to lease, rent, and utilize the JV Partner’s credit and pay a monthly fee to the JV Partner for that utilization. At the end of 36 months a balloon payment is paid to our JV Partner. The minimum target amount for the balloon payment is $200,000.
- As part of the partnership, debt elimination is offered. (Optional)
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- A trust set up to reduce taxes and enhance estate planning. (Optional)
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- Passive income in the form a Life Insurance Strategy. (Optional)
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- Credit repair is offered as a way to bring enhancement when needed. (Optional)
This program has the ability to turn the personal credit of qualifying clients into five or six figures in income to the client, with no requirement of funds of any kind from the client. The underwriters don’t charge any out-of-pocket fees and they don’t want your money. You cannot invest money with them and so you can put away your wallet, your credit cards, and your checkbook. They also do not require that you perform services, sell anything, refer anyone else, or turn this into a business, in order to receive the financial benefits. All they need is what big lending institutions want – – evidence of sufficient already existing income, and a decent credit score. That’s it. Then they work their magic and have delivered payments to a growing number of clients in the last few years.
Their magic is achieved by first applying powerful credit enhancement techniques, if necessary, to raise one’s credit score even higher. Then they get lines of credit issued on your behalf into the six figures. They are partnered with a hedge fund that has the 20 to 1 leverage ability that big banks do. Hence the loan capital they source based on your credit is increased 20 to 1, and entered into high-speed low-risk trading. The profits from the trading create the company’s percentages, the payments to you, and commissions to the affiliates who referred you.
They are contractually obligated for 100% of the paydown of the credit utilized. In other words, the client is never responsible to pay back the debt. It is paid back automatically by a portion of the returns on investment, and is totally the responsibility of the General Partner, not the JV Partner (the client). It is a win-win-win situation for everyone.
The fast track with the Credit Lease Program is available to those who already have incomes of $80,000+ and FICO scores of 750+. However, the Credit Lease Program has programs to take people from any level. Those with scores and incomes lower than that are furnished with steps, courses, and services to bring them up to those levels. Hence it is a true wealth creation plan for anyone at any level.
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First Class Client Experience
The Credit Leasing Program offers two distinctly different customer experiences, for two totally different types of customer. Entrepreneurs come to this because it has a dynamic and unique way of arranging LARGE volumes of credit capital to assist them in starting or growing a new business. For this Credit Consulting Service a consulting fee is charged that would be a percentage of the total loans achieved.
Then there is the other type of customer who would be an individual or entrepreneur looking for monthly cash flow in the form of income. Those individuals are offered a Credit Lease. The customer that participates in a credit leasing program will receive monthly lease payments for use in their credit profile.
The Credit Leasing Program can either provide business start up funding, and/or help you recapitalize and grow your existing business—OR the Credit Leasing Program can put you in a beneficial position with passive residual income based on the total credibility you have.
The entire process, from evaluation to satisfied client, will vary. Many clients are able to go through the credit program and become a benefiting customer in under four weeks. Those clients with any credit repair or income tax challenges could take up to six months.
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The Ideal Client
The ideal client for the Credit Leasing Program would be someone who has an income upwards of $100,000 annually and a credit score close to 800. In addition, this person should have a minimum of 4 actual credit lines or loans on his or her credit report.
So how does this work in terms of what you would go through as a customer? Let’s take a look at both paths of customer experience to be had. Right before we get to that let’s review what will be necessary for a customer to go through our review and qualification process. As the first step, a potential client would be instructed to go to www.creditchecktotal.com and buy the basic Credit Reporting Package at $29.95 and give access to it. If there are any challenges with setting up that account, the client may also use www.experian.com. This combined with his or her net income from line 37 at the bottom of their tax return on form 1040 page 1 is all that is required to do an in-depth assessment.
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Credit Consulting Clients
Credit Consulting Client: As stated, the ideal client for this avenue would be someone who has an income upwards of $100,000 annually and a credit score close to 800. In addition, this person should have a minimum of 4 actual credit lines, or loans, on his or her credit report. The Credit Leasing Program consultants do have the ability to do credit repair on clients in the 700-800 credit score range and fix the credit of a client if the need arises. This must be reviewed on a client-by-client basis and it is done free of charge. The cleaner someone’s credit is, the more credit or money their credit profile will be worth. Repairing credit is a challenge to do correctly and it takes time.
Once this client’s credit report and income have been properly reported and cleaned up, the next phase is the on-boarding process, done by the underwriters. They will sit down and have an explanatory conversation on exactly how the loans will then be applied for and how the cash will flow to the client.
Ultimately, as the loans are completed and funded, the client will have his or her money. The Credit Leasing Program ONLY takes its consulting fee out of the loan proceeds and profits from the hedge fund – – NOT the client’s pocket – – and ONLY at the end of delivering on all of the promises. This should demonstrate to you that all the risk is on their end – – and so they are highly motivated to make sure you succeed! The consulting fee varies from ten to twenty percent of the gross loan amounts.
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Credit Profile Leasing Clients
Credit Profile Leasing Client: As with the previous situation, the ideal client for this avenue would be someone who has an income upwards of $100,000 annually and a credit score close to 800. In addition, this person should have a minimum of 4 actual credit lines, or loans, on his or her credit report.
Once this client’s credit report and income have been properly reported and cleaned up, the next phase would be the on-boarding process, done by the underwriters. They will sit down and have an explanatory conversation on exactly how the loans will then be applied for and how the cash will flow to the client.
This is where the programs differ. Since this is a Credit Lease, the Credit Leasing Program will be making a lease payment to the client. Much in the same way General Motors receives a lease payment when you lease a car, or if you are renting an apartment or home, it works the same way. To come upon the value of the monthly credit lease payment that will take place for 36 months, the total value of someone’s Credit Profile is taken, and one percent of the total value of all of the money their credit profile can borrow will be paid out at the credit lease. If someone is able to borrow $500,000 then his or her monthly Credit Lease Payment would be $5,000 a month.
The monies from the Credit Lease are transacted as follows: there will be checks or transfers from the lending entities to the client for each loan. For each round of funding, when all monies are received by the client, they will be sent instructions by the Credit Leasing Program on how much to retain towards the first months of payments and how much to forward as the Lease Consulting Fees. For the subsequent months, the Credit Leasing Program will be sending the monthly payments at the same time the client is also receiving their monthly income, for the remainder of the thirty-six-month contract term.
In the end, this type of client will experience 36 months of passive residual income as well as having their loans all paid off. Then, post a 90 day cooling off period, that will allow for the credit reporting agencies to catch up with all of the loans being paid off as agreed, the client could then again enter the program as a client.
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Credit Leasing Program
Qualifying And Procedural Protocols
1 Obtain an account at one of the following :
2 Prepare a copy of your last year’s tax return. Line 22 on a US Form 1040 is what the banks focus on as a net income after deductions. If you have convoluted income and taxes and have income structures whereby you bury any and all of your possible tax liabilities with expenses, you must be coached on how to deal with the work around on that. Tax Returns can be amended. This time of year we would coach you on how to more accurately do your taxes at the year’s end so that it would foster the most creditability.
3 Prepare to communicate to us your login at www.creditchecktotal.com (or www.experian.com) and a FULL copy of your most recent U.S. tax return. (We tried to get this program available for non-taxpayers, by submitting bank statements as proof of income, but the underwriters wouldn’t accept them. Dummies!)
- On that home page, you will see the form to fill in, under where it says “Request Your Consultation Today”. Fill that in and click SUBMIT. You will be notified when the credit reporting service login and income verification documents are requested.
Items to Include when requested:
The above will suffice for initial evaluation. If your income is only slightly less than $80K, like $75K or $70K, or if your credit score is only slightly less than 750, like 740 or 730, then just send the above items to see if the underwriters are willing to take your case. If your income is over $80K, but your credit score is less than 750, that’s okay – – you will just be put into credit enhancement before being submitted for funding. Even if your score is only in the 600s, you can still get approved if your income is high enough. The credit repair process will raise your score closer to 800, and then you will be registered for funding.
On the other hand, if your income is over $80K and your credit score is over 750, and if you therefore KNOW that you will be approved and you want to go on the fast track, then in your very first submission, go ahead and include the following items as well. This will accelerate your processing and funding:
- Scan of your Driver’s License. Both sides in color one sheet.
- Scan of your Social Security Card. Both sides in color one sheet.
- Scan of ONE (1) Major Credit or Debit Card back and front one sheet.
- Scan of a VOIDED Personal Check.
- The completed Credit Profile Leasing Agreement (to be provided to you at the appropriate time).
At this point, once we have this, we can do an evaluation and timeline how the process would unfold for you. Basically your credit score will determine the timeline on how it all plays out.
5 You are then either denied or approved and on the attached document is a list of the information that you will have to put together for the underwriting team to be able to get you funded.
6 Once the docs are in any credit repair takes place, if necessary. If your Credit Score is:
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- 760 or higher – – you will not require ANY credit repair or polishing and then a client like this would be funded in 3-5 weeks , 6 in a worst case so we tell you 4-6 weeks.
- 720-760 will require some credit repair and this will take 30-90 days and then we would roll to 4-6 weeks from that date to complete funding.
- Below 720 will require real credit repair. As we go lower in the credit score more and more surprises arise, so therefore, anything under 720 we would quote 3-6 months for credit repair and then 6-8 weeks for funding as that is what is really happening and playing out.
7 THEN FUNDING OCCURS: In the funding process you are going to have one of the underwriters directly contact you and work you through each loan app and any communication with the banks involved. We send out a laptop all set up and preformatted to maximize efficiency and accuracy in the application process. Then as this funding process progresses the client will end up in most cases with 5-10 loans all tied to one bank account.
As a general procedure on the Credit Lease, we move money around ONLY 2 times per deal. Once about ½ way and then the balance of the monies when funding is completed.
(On the Credit Consulting Deals, where we only take a Percentage Fee, the client pays that fee when the funding is completed by wiring the fee for that consulting invoice back to us – – out of the funds received).
At this point as the monies are all transacted, we leave a client with at least a $10,000 deposit on the credit lease and then 90 days later we begin making the credit lease payments for the remainder of the 36 month contract. We also leave the client with 6 months of their Credit Lease Payments in advance to give you comfort and piece of mind.
Over the life of the 36 month contract you will then receive 2 payments each month. One is for the loans – all of the payments for the month. The other is for the credit lease payment.
At the end of the credit lease all loans are paid off and you will have the option of REPARTICIPATION about 60 to 90 days out from completion of the deal.
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Questions and Answers
about applying as an Individual
Q: I can’t seem to find much of an online presence for The Credit Engineers. I searched for customer reviews and received zero results. Can you shed some light on this?
A: The proper “online presence” link is www.biccredit.com. Although TCE has been serving credit leasing clients and perfecting its methods for years, it has only recently created a new communications infrastructure, with new website, new customer relations management system, and so on.
Thus when I was doing my due diligence in late 2017 and throughout 2018, I was performing searches similar to yourself. When I found nothing bad, I relied on two main forms of confirmation: sending my first referrals through the system and getting to know the CEO himself directly via months and months of phone calls, texts, and emails.
Q: Could you tell me who the principals of The Credit Engineers are?
A: David Varrone and Dave Kosack. I don’t really know Dave Kosack. The CEO is David Varrone, and he is the one I have been getting to know over the past couple of years.
My searches on scam websites indicated that David Varrone had a complaint from one person 5 or 6 years ago, but after analyzing the complaint, it was apparent that it had nothing to do with credit leasing; it did not indicate criminal behavior; and it constituted more of a private disagreement between the complainer and Mr. Varrone. So that was not sufficient to discourage me from doing business with David.
Q: You mentioned in your 11-15-18 newsletter that you have personally referred clients to this service, and they have indeed been funded. Are they receiving the monthly payments as promised?
A: Yes. My partner Lawrence and I have been monitoring these referrals throughout 2018 and 2019. Because of your inquiry and inquiries from others, we touched base once again with them, and they are still getting paid. For example, here is the response from one of them that came in early 2019 – – his first name is Steve:
I have been getting monthly payments as well as getting a check each month to make the loan payments. So, yes I am satisfied at this point.
Let me know if you need any more information.
Regards,
Steve
So that was excellent to hear.
Q: I know you stated that this is a win-win-win scenario. The one downside I do see is that once funding has been received by the client and the client turns the majority of that funding over to The Credit Engineers to be invested, what safeguards are in place to ensure that they don’t just run off with those funds and leave the client on the hook for all that debt?
A: The client is never on the hook for the debt. That is the case from the beginning. In the most extremely unlikely and bizarre turn of events, if TCE were to fail to continue servicing the debt, they would be the ones responsible. The client is left harmless and NOT liable.
The secret to their ability to do this is their private hedge fund. It is not public. It produces profits consistently much higher than the debt service required. This has been going on for years and is very well established and stable. So they are very confident about it continuing. They have a huge backup reserve. No, this is not information for which public verification is available.
No, I have not seen absolute proof of it. But I have had very long conversations with Mr. Varrone going into every possible detail of it, and I knew enough of the right questions to ask. His answers were 100% consistent with the answers I would expect if he were genuine. I am not saying that my analysis is infallible, but after long hard-hitting conversations, I wasn’t able to punch any holes in his explanations. This combined with the evidence from clients and affiliates that everyone is getting paid as promised, indicates that it is what he says it is.
I also know several other former affiliates who no longer work with Mr. Varrone. In conversations with them, the worst thing they could say about him was that they didn’t like his personality. None of them ever could produce a client who didn’t get paid. To this day, I haven’t been able to find a client of TCE or Mr. Varrone who was scammed or ripped off. If you do, please let me know! Like you, I am only interested in the truth.
Remember, this is monitored by the SEC and other agencies, under “authorized user” statutes. All the TCE operations are transparent to the banks and the government. Teams of attorneys comb through every detail to make sure everything is in compliance. It would be next to impossible for TCE to violate the contract and get away with it.
Q: Can you confirm that there will be no out-of-pocket expense for my credit repair?
A: Yes, that is generally the case with all clients who come in with at least a credit score of 700. At that level, it doesn’t take much repair and enhancement for TCE to get the score closer to 800 within two or three months. So they will go ahead and perform the credit repair without cost, because they will make their money on the 20% they take from the funding and the profits they earn on it from the hedge fund. It is in their interest to assist people to get their credit scores up.
If the score is much lower than 700, there might be some nominal credit repair fees the client would have to pay. It all depends on what the underwriters decide on a case by case basis. If the client’s income is high, they might waive the credit repair fees because they stand to make so much on the client’s funding and hedge fund profits.
But even if they charge some fees for it, it would be well worth it. And I don’t know what the fees would be. We have a BIC-recommended credit repair man, Anthony Gaalaas, who charges around $99 per month, so it might be in that range.
Q: How will the program guarantee the integrity of the credit profile being used for the loans?
A: Well, everything is done in full transparency and in broad daylight. By the time you are in the program, you will have been introduced directly to the banking underwriters and their legal team. They are under very strict SEC regulations that would shut them down in a heartbeat if they were to violate a client’s rights.
Further, all identity theft that I have ever heard of has been done by criminals who hide behind the scenes and try to remain as invisible as possible. Have you ever heard of anyone’s identity or credit being stolen right in front of them by people fully disclosed and visible and known to them? That would be absurd and insane. The underwriters make a fortune by complying with the rules and the ethics of the process and honoring the rights of the client. If they were to violate this, they would lose everything, including their freedoms.
Q: How will the loan be repaid?
A: It is repaid from the profits of the program’s hedge fund. That is what is rare about this group. Most funding companies leave the client on the hook for the repayment. Very few take care of the repayment. The reason they do so is twofold. One, they have unusually large and steady returns, enabling them to do it. It is not a public hedge fund; it is privately owned by the BIC associates who put the credit leasing program together. And two, they make a lot more money by being generous to the clients. That way, the word spreads, and they have more and more clientele. They make a fortune on each client.
The client makes five or six figures. The company makes six figures. We at BIC receive referral fees. It all comes out of the profits from the hedge fund, but the hedge fund wouldn’t be able to earn anything were it not for the capital borrowed on the credit of the clients. Therefore, the success of all of us depends upon the client being successful. That works in the client’s interest. The credit leasing underwriters only get paid if the client gets paid. Likewise, BIC only gets paid if the client gets paid. So it is a win-win-win situation.
The credit leasing clients receive free and clear income by leasing their credit, with no need for repayment. It takes a few weeks from registration and acceptance to funding.
This raises the question of whether your income and credit score are above the minimum requirement. If so, it should go quickly and smoothly for you.
Q: Could you please elaborate on how the affiliate program works? I know some folks that fit the qualification criteria and may be inclined to share upon our own successful and positive experience with the process.
A: As to being an affiliate with the credit leasing program, we only have a small number of affiliates. These are highly qualified professionals who work at it and produce a steady stream of clients each month.
Thus the question is whether you feel you meet that kind of preference and qualification . . . and whether you think the referrals you generate would be ongoing, month after month. I tell people, if you only have a few friends and family, a “warm market”, that you can refer, then don’t be an affiliate for it. Instead, strike a deal with those people whereby they give you a percentage of the funding they receive from the credit leasing program.
After all, it’s free money to them – – in the six figures. So they owe it to you, really, ethically. In fact, that could be a lot more than what you get from being an affiliate. As an affiliate, you only get 2% of the amount your referral gets funded. But if you create a private agreement with your referrals, you could negotiate 5%, 10%, or even up to 50% . . . depending on your relationship with them.
If you still feel that because of your networking, advertising, business, and marketing abilities, you are cut out to be an affiliate, then please send me something about your background – – a resume, bio, or just an email message that tells me about your career, education, and anything I should know about why you feel you qualify.
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Qualifying And Procedural Protocols
If you wish to apply as a corporation, in order to receive an estimate of what funding you would receive, a corporate candidate will need to do the following:
- On that home page, you will see the form to fill in, under where it says “Request Your Consultation Today”. Fill that in and click SUBMIT. You will be notified when the credit reporting service login and income verification documents are requested.
Items to Prepare to Submit when Requested:
1) Dunn & Bradstreet Number
2) Experian Corporate Number
3) Last year’s Corporate Tax Return
Then we can evaluate. With these few items, within three or four business days we can furnish an answer inwriting aroundwhich the candidate can be able to plan intelligently.
Unlike with personal clients, people play many games with their corporate finances and documentation. Until we can evaluate in depth the candidate’s documents, there is no approximate funding amount we can project. Typically, though, when everything checks out as clean and straightforward, the funding amounts are in the seven figures.
There will be nothing further than a normal response in email. No attorney’s letters – – nothing like that. If you read into this correctly, you will see that this is actually very positive. It is because our underwriters and legal team are genuine. They are getting six figures in funding every day for individuals . . . and seven figures for corporations when people submit qualifying corporations.
So we hope you appreciate that this conservatism and reluctance to promise specific dollar amounts prior to seeing a corporation’s documentation is due to the integrity of our team. We are sensitive to keeping our word. If we put something in writing, we live up to it. We are not going to just throw information out and hope to make money while not being conscious about the repercussions if our word doesn’t match reality.
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Questions and Answers about Applying as a Corporation
Q: What Paydex rating does the D&B listing need to be, and how many trade lines do you need posted & reporting?
A: The Paydex rating is like a credit score on a company’s ability to pay bills. It runs a scale of 0-100. We would require a rating of 80 or higher to work on non-recourse loans. As far as trade lines, a minimum of 4 would be necessary – meaning 4 vendors of the corporation that have actively reported their payments through the Paydex or Dunns System.
Q: Regarding the Experian corporate report, what credit score and trade lines need to be on it? And what dollar amount do the trade lines need to be?
A: The Experian Corporate rating system does run parallel to the way that a normal Experian Credit Score would run. The scale is from 0-1400. 1400 being the equivalent of an 850 credit score. So here to get us into the realm of non-recourse business funding the client’s corporation would need to be about 1250-1300 minimum to do it. On trade lines here again 4 would be ideal.
Q: How much income would need to be shown in last year’s corporate tax return filed in gross and net? And does it need to be 4506-T verifiable??
A: All tax returns anyone ever submits to us better be able to be verified by that IRS form 4506-T. If any bank or the underwriters cannot verify, the file is destroyed immediately. As far as the gross and net necessary for funding, that is a very complicated question. We would need to know how much the company is looking for and how much their gross revenue is. Since no two profit and loss statements are handled the same, this is a non-answerable question in this form.
Q: What about nonprofit corporations and Limited Liability Companies (LLCs)?
A: The credit leasing program will NOT work with nonprofit corporations. However, LLCs will be handled the same as S or C corporations.
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If you have the credit score and income qualifications, or if you know of people or corporations that might, feel free to go ahead and click here to register. We will be happy to discuss it with you and obtain answers to your questions.
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Next Zoom Video Trust Study Group – with Dominique Hackett
June 12, 2019 ~ 4:00 PM USA Pacific Time
(Requirement to attend: You must have purchased a BIC Natural Law Trust)
Click here to read the 4-03-19 BIC Newsletter from the archives. That is the issue which first introduced and fully described the trust study group.
* * * Watch for a future newsletter in early June with attendance links * * *
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Next Trust Webinar with Randall Hillner
June 19, 2019 – 4:00 PM USA Pacific Time
(open to the public)
Watch for a future newsletter with attendance links
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Breakthroughs in Credit Repair
Our BIC associate Anthony Gaalaas now has new techniques for wiping negatives off your credit report – – techniques that have exponentially accelerated the speed and effectiveness of cleaning up credit reports. Mr. Gaalaas has already been our favorite credit repair professional, due to his high integrity, low prices, accessibility, responsiveness, excellence in communication, and generous customer service. And his techniques all along have been reasonably good. But now with his new methods, we have a breakthrough in the power and potency of credit wipe effectiveness. For more information, see his website.
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What is a Revocation of Election (ROE)?
A legal process established by the United States Congress
that allows most state Citizens to be classified by the IRS as legal non-taxpayers.
According to the IRS and the Internal Revenue Code (IRC), filing a “Revocation of Election” notice with the IRS allows about 99% of all state Citizens to become “non-taxable” with no legal obligation to file a form 1040 Individual Income Tax Return or pay federal income taxes.
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Resources to Save
Index of Important Links for Easy Reference(in alphabetical order)
* Note: If you already have a referral affiliate for any of these programs, use their link instead)
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Subscribe to the Brilliance in Commerce Newsletter
Published by La Vérité
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H U M O R O F T H E D A Y
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