Frequently Asked Questions

Don't be Afraid to Ask

The Financial Field is an Important but often Daunting field to comprehend. We always recommend that you Do Your Own Homework and find the Answers that you can believe in. This of course doesn't mean you are on your own. Seek Professional Advice as often and in as many ways as you can. Here are some Answers that we have found useful in our own Financial Journey.
General Questions

Questions about our Strategy


What if my business fails?
First of all, please don't plan on defaulting on your corporate cash loans. If that's your plan, please do not solicit our services. We only seek entreprenuers who have confidence, are willing to create and follow a business plan, and who seek professional advice to make a legitimate business profit.

That said, If your business does fail (because of circumstances beyond your control), and you can not pay your business debts, your corporation may file a corporate bankruptcy. If you did not sign as a personal guarantor on the corporate loans, your personal assets, home, retirement funds, and credit rating will be unharmed.

When Donald Trump's corporations filed their third bankruptcy in five years in 2008, he did not lose his personal homes, his personal assets, and his credit rating. In fact he kept his $2 million dollar salary while his corporations were "restructuring".

Is there a Guarantee?
Most of the providers we use do provide some type of satisfaction guarantee on their services. However, you as the new business owner and Chief Executive Officer (CEO) will make your own decisions in your business management, so we can not guarantee how successful you will be.

Why doesn't everyone do this?
Most people don't know how. They know how to obtain business loans, but they don't know how to obtain corporate loans without signing as a personal guarantor. Many also don't have the proven resources or passive income opportunities to ensure a profit on their business capital.

How come my accountant, attorney, financial advisor, or banker doesn't tell me how to do this?
They probably don't know how to get corporate cash credit without a personal guarantor. Many professionals in the Financial Field are also trained to be leery or careful about anything beyond the traditional financial vehicles they are expected to promote.

Is this "Credit 2 Cash Flow" strategy too good to be true?
The majority of successful business owners borrowed money (corporate credit loans) to start their business. When they walked out of the bank, they just focused on earning more than the cost of borrowing those funds. We are utilizing the same strategy that businesses have been implementing for centuries. Only we recommend minimizing your risk by not signing as a personal guarantor on those corporate loans. Also, if you utilize a portfolio of diversified and verified passive income opportunities (as opposed to a "hot new idea") to generate profits, you will minimize your risk.

Borrowing to Make Money


Why do I want to use corporate credit to fund my investments? Shouldn't I just invest what extra amount I'm Earning?
You should certainly invest your extra income, but saving up enough to do everything a family normally needs to do takes a lot more money than most of us can save up in a lifetime:
  • Living Expenses - Buying a Home.
  • Raising a Family - Taking care of Parents - Education.
  • Handle Emergencies - Loss of a Job or Income - Health Concerns.
  • Taxes - Retirement.

But isn't the use of Credit what got us into this latest Financial Mess Anyways?
Certainly Overspending and Excessive use of Credit to pay for "things" instead of Generating Revenue is an ongoing problem that helped trigger the Great Depression as well as the current Economic Downturn. We would never recommend Borrowing unless it was used to create a business that can pay for the lending expense and will generate significant extra income.

Isn't borrowing money too risky if something goes wrong and I can't pay it back.
There is a big difference between Personal Guarantor and Non-Persocal Guarantor credit. With Non-Personal Guarantor credit, no one "Signs" for the borrowed funds. The safest way to do this is to create a company that is responsible for the credit expense, but you personally are not. This is how any big developer or commercial project gets started, by creating a Corporation that:
  • Borrows money to get started.
  • Assumes the Burden of paying the money back.
  • Shields the developer personally from harm if the undertaking fails
Article:Is Mr. Trump Bankrupt Now?

Isn't it wrong or illegal to use borrowed funds to pay for Investments?
There are concerns and certain regulatory requirements if you use personal guarantor borrowed funds to puchase Securities regulated by the Securities and Exchange Commission (SEC). Securities include stocks, bonds, mutual funds, annuities, etc. However, stock brokers often promote borrowing funds for Securities by advocating buying stocks on "Margin". If that occurs (or if a broker is aware that you are using personal borrowed funds to purchase Securities) your licensed broker may be subject to certain disclosure requirements, guidelines, and supervision scrutiny.

The Alternative Market Systems we have reviewed so far (Forex, Futures, and Commodities functioning as Signal Services, Trading, or Subscription Services) are unregulated markets or the traders are self-regulated in voluntary organizations. They are not Securities and they are currently not subject to SEC regulation. Note that the Providers of these Alternative Market Systems are not required to hold Securities Licenses.

Also, in addition, since you use a corporation as your business entity to conduct business, you are not investing your own personal funds or backing them with a personal guarantor signature. Your Capital is Corporate Risk Capital. Your Corporate Risk Capital can be utililized in any legal way possible that you choose to generate profits (start a restaurant, consulting firm, retail store, hold retirement assets, forex trading, etc.)

Note: Brokers are often nervous about dealing with borrowed money for investments, as they normally trade in Stocks and Bonds, which are Securities regulated and require disclosures. They also may assume all borrowed money is personal guarantor money. In addition, since the major stock market decline in 2008, they are also concerned about any professional liability or declines that could occur on any of their client's assets held in their brokerage accounts that could result in lawsuits against them. For those reasons, be very clear and specific when working with brokers, that you are utilizing Corporate Risk Capital for these alternative market systems - capital that if lost will not affect your existing personal assets, your income, or your credit rating profile.

Is there really credit available for my Passive Income Business during this Financial Crisis?
Yes, our provider is able to obtain corproate credit for those that follow his guidelines. He has secured funding for over 200 corporations since 2004. Actually, the Stimulus Package has allocated an additional $100 million in funding for consumer and small business loans. Since then, we are finding that additional new lenders are entering the corporate credit market.

General Investing


Aren't High Yield and High Return opportunities also high risk?
Yes, normally they are. However there are ways to manage and limit your risk while participating in the high returns that normally carry greater risk.
  1. Maintain an adequate cash reserve and use money allocated to your growth portfolio.
  2. Use verified, tested, and guaranteed advisory services. These services also limit their risk to a limited percentage in any one trade.
  3. Diversify! Never put all of your money in one opportunity.

See Strategies to Reduce Risk in our Strategy Section.

Why don't I just put my money in Mutual Funds?
Some mutual funds may offer appropriate returns for your goals. However, they have their challenges. When the market is down in growth mutual funds, the managers are restricted as to how much they can move to cash, leaving the shareholders going for a roller coaster ride during the down markets. Also, fees are charged on the total value of your holdings whether your fund is profitable or experiencing losses. Start up and ongoing fees eat into your net profits. Most importantly, their yearly return is often equal to what the services we use achieve monthly.

Passive Income Opportunities

Shouldn't I "flee to quality" right now and put my money in Certificates of Deposit and Savings Accounts that are insured?
You certainly should put your cash reserves and money that you need for short term goals in liquid safe cash assets that offer lower returns. However, if your goal for certain funds is growth for long term goals such as retirement and college funds that won't be needed for several years; you want to consider opportunities that will provide Superior Returns.

There are still other major markets (Forex, Futures, & Commodities) besides the stock market that actually benefit from the volatility in stocks. Expert Traders in these markets are still able to deliver high returns even during the current downturn.

Shouldn't I wait to get started with the High Return Services you use because of the current Financial Crisis?
If you have funds available to create Passive Income, there is even more opportunity now while the Stock Market is volatile. Even though the Stock Market is not being traded in these services, because of the current volatility, it is creating more opportunity in other markets, especially the Forex, Futures and Commodities Markets. So, if you let the Experts Trade your way into Big Gains, this volatility can create a great opportunity for you.

See our Blog: Some Markets Are Making Huge Gains!

Will the Passive Income Opportunities accept foreign citizens?
Yes, our Passive Income Opportunities are always held with U.S. brokerages and they do accept foreign citizens. However, there may be additional documentation required for foreign citizens.

Is real estate a good investment now, in this recession?
Real estate in general has been extremely volatile in this recession, with prices fluctuating alarmingly and financing difficult to obtain. That said, we have a unique opportunity in the Commercial Financing arena with one Lending Group in particular that has secured $500 million in private financing available towards qualified commercial income real estate properties. Private funding is often more flexible in their terms, takes less approval time, and more easily obtained than traditional funding. This particular funding also provides an easy way for our members to create semi-passive income quickly for their corporations (as a generous finder's fee for locating qualified properties). To learn more, please visit: www.private-commercial-loan-financing.com.

Specific Questions about each of the Services we use

Corporate Credit Services


Why does my personal credit need to be restored if I don't need to sign as a personal guarantor?
Those corporate lenders who will lend only on the basis of a good corporate credit profile still want to glance at an officer of the corporation that has good personal credit. So, even though you won't be required to sign as a personal guarantor, our service will restore your personal credit if it needs to be improved as it will help your corporation get more credit.

Where can I find money to start Corporate Credit?
  • You could obtain a Small Line of Personal Credit (Product Page), if you qualify.
  • Obtain short term loans from family, friends, or business associates.
  • Ask family, friends, or business associates to obtain a short term loan for you.
  • Sell something you own on Ebay or Craigslist.
  • Work at a part time job, or provide extra income consulting.
Remember, if you can just get started, your corporation can fund everything else that you're looking for.

What if I already have a Corporation?
If you have a corporation that qualifies and is currently compliant, our Provider may be able to use it to obtain funding and provide a discount to you. Please consult with our Corporate Credit Option 1 Provider (on the Product page) for pricing if you already have a qualified corporation.

Is there a Guarantee that I will get funding in 90 days?
Since our Provider is not the corporate lenders, he can not guarantee their actions. However, he does provide a 90 day satisfaction guarantee. He has provided funding for over 200 corporations since 2004 and only 1 client has asked for a refund (essentially because the client needed the use of their funds again).

Can I get more than $250,000 to $500,000 in corporate funding?
Yes! You can set up multiple corporations and obtain separate funding on each.

Will the Credit Services accept foreign citizens?
They are intended for U.S. citizens. However, if you are a foreigner that has a U.S. Social Security number and a U.S. credit profile (some Canadians do), you can partner with someone who has a U.S. mailing address. Also, if you are a foreigner, you can partner with someone in the U.S. who has a U.S. credit profile and a U.S. mailing address. Your new corporation will then be U.S. based.

Loan Restructuring


How is this Loan Restructuring service different than other Loan Modification services?
This service doesn't reveal it's techniques, so we can't really address why they're more effective than all the other similar services.

But we do like their service and the company's professionalism - and know many satisfied clients. Here are a number of important reasons why we use this company and know they are effective:
  • This service conducts a complimentary consultation before accepting any money from you.
  • If they can't help you, they will tell you up front.
  • If they can, your fee will be placed with a Third Party Escrow service to ensure your services are completed.
  • They also offer a Satisfaction Guarantee.

Alternative to Bankruptcy


Isn't this just a debt settlement company?
No. Debt settlement company's usually immediately negotiate for about a 50 cents on the dollar settlement. You need to have the funds to settle immediately and you may also receive a 1099 tax form that you owe taxes on the amount that was settled on.

This service immediately creates a financial shield of protection for your assets and your wages while your "alleged debts" are being resolved. Later, when the debts are resolved for about 10-20 cents on the dollar, they will note your statement and credit profile are marked as paid in full. You will not receive any 1099 tax forms or create an additional tax liability from this resolution.

How can I afford to pay for this service?
Many clients are able to pay for the service from funds that were normally going to credit card payments. Some clients even have more monthly cash flow after starting this program than they did before.

Credit Restoration

Can you repair my credit files so I can qualify for lower interest rates and more business opportunities like the ones you're speaking of?
We have partnered with a legal Credit Restoration company that restores your credit file by using a provision in the Fair Credit Act regarding credit bureau reporting law. The credit bureaus are required to have the physical evidence of any event they report on your credit file. However, they do not maintain those contracts and signatures on file, as required by law. Our partner company has successfully been able to challenge any item on your credit report (from bankruptcies, judgments, late payments, etc.), which usually results in FICO credit scores increasing from 60-120 points in the first 90 days alone. This company has restored over 125,000 credit files over the last 10 years for many law firms and mortgage companies. To learn more, please visit: www.credit-repair-debt.com.