This company advertises that they do merchant account advance loans. Their customer service and training is about the worst I've ever seen in my life which is odd considering how much they brag they're great at it.
Plus, they are serial liars.
I've never seen a company before that refuses to give out their address or phone number. That should be a huge red flag to anyone that wants to deal with them......either as an agent or client. Even their contracts/applications don't have their address on them (wonder how those hold up in court).
I was told I was picked as one of their new agents and they'd have a nightly training call for a week. On every call, someone had a screaming kid in the background, or a party going on, so you can't hear half of what is being said. First sign of trouble the company is low-class and doesn't invest in technology to stop that kind of nonsense as professional companies do.
The second sign of trouble was someone got on the call the first night and said, “I went thru training last week and was promised I'd have a manager contact me so I could get started and nobody has contacted me.” He was nice about it. The owner of the company, Bret Martin (who was doing the training), ripped the guy a new a-hole with, “Don't you ever get on this call to complain and make me look bad!! Just wait and someone will call you!! You're going to make everyone on here think I'm a liar!!” and on and on. Way way over the top. Should have known right there this company was a joke and moved on. But, the money sounded great so I stayed with it.
The third sign of trouble was people never got the paperwork and emails they were promised. They said they emailed a “Welcome Package” but over 75% of the people never got it. Bret kept whining, “Check your junk or spam” and we all did and nothing was there. Night after night after night. He kept saying, “This is the only group this has happened with.” I seriously doubt that considering the agent from the week before said no one contacted him like he was promised and Bret went ballistic on him.
(What's so ironic about that is he has a 10 minute video on his website portraying himself as this folksy “I love everyone” guy but has an extremely short temper and goes OFF on people for HIS screw-ups. On the calls, he also said, “I truly want to be part of your lives and get to know you as people and will personally call you all to help you”....when he was ripping people's heads off for asking a question. Dude has a serious split-personality problem. Of course, I never got a personal call from him to help with training like he promised....instead, I got my head ripped off for asking questions and told to never contact him again after I asked for help)
At the end of the week, Bret said he wanted us all to go thru a second week of training when he normally only does a week. So, Monday we get on and Bret goes crazy that we're on the call yelling, “I emailed you guys this weekend saying you all graduated. What are you doing on this call?!!” Of course, we never got the email.....like all the other times (wasn't in junk or spam as we all checked there) This guy has massive anger issues. Along with zero organization skills. Plus, he's a flat-out liar.
His “training” was very vague with little detail and any time someone asked a question, he ripped their head off. I had numerous questions during training but didn't want to ask and be yelled at. Plus, he said we'd all get a manager who'd help us with anything we needed so I figured I'd save my questions for the manager.
So, I finally graduate and am assigned a manager and told him a I had a few questions about what we were taught. This guy was an even bigger a-hole than Bret was and blasted me with, “I don't have time to answer any questions and train people. Get back on Bret's calls for that!!” Then what is he a “manager” for? I emailed Bret, since there is no phone number for the home office, and told him I had a few questions and got an a-hole reply back saying, “Don't ever contact that manager again. I'm giving you a new manager and this is the last one. And don't ever email me again. Ever.”
Huh? These guys seriously need a shrink.
So, I get a new manager and tried asking him questions. He told me to forget all of the training and to go after markets that hadn't been talked about in the training at all. If I had known this was the job, I wouldn't have done it all because it was the same stuff every other merchant advance company is doing and I was looking for something different (like the trucker program that was mentioned in “training”) But, I invested time in it already and decided to try to get some accounts.
My new “manager” refused to return calls to any of his people and kept his mailbox full on purpose so you couldn't leave a message. He expected you to call him 20 different times to reach him when you had a question.
I forgot to mention, on their website, it says these are “loans” but in their training material and classes, they say they are NOT considered loans.
I went after pot companies because that seemed different. I got 11 companies that were interested......until they heard the interest rate. In training, we were told over and over and over, “These companies don't care about the interest rate. They want the money...badly.” One of numerous lies we were told.
One of the companies I contacted said they had put in an application for a loan with the company 6 weeks ago and never heard back. I asked my “manager” about it and he reluctantly looked into it for me and later said, “They got turned down. I don't know why. Drop it.” First, it's extremely unprofessional to not tell someone they were turned down for a loan instead of just acting like they never existed after that. Just awful customer service that makes the company look bad. Second, they should be given a reason why. In training, Bret actually said, “We never tell anyone why they were turned down for a loan.” They should at least tell them they were denied. Awful customer service.
I did get two companies to fill out an application. The first one came back with an interest rate of 138%......which is pretty odd considering I was told 50 times during training, “Our loans are between 8% and 39%.” This was 138% Talk about false advertising!! On top of that, they tell clients they get 2 times of gross deposits and he wanted that $60,000 he was eligible for but they only offered him $20,000.
So, only a third of what they told him he could get and over triple what they said the highest interest rate was. I looked like a complete idiot to this client.
The second company was eligible for $30,000 based on the criteria we're told in training but after they filled out the application and sent in their statements, they were only offered $10,000. When I asked why, I was told, “They've only been in business 11 months.” Well, the training says 6 months to qualify. They need to stop lying about what they offer to people. Nothing but bait-and-switch.
The interest rate for the second loan was 50%.......again, higher than what they're telling potential clients when pitching them. At least it wasn't 138% like the first company.
This company refuses to tell people what the actual interest rate is until they send in a copy of their drivers license and voided check. That's one of the dumbest things I've ever heard of in my life. Both potential clients said, “Why do I have to jump thru the hoop of sending you my license and voided check before hearing what the interest rate is?” These people had already filled out the application and sent in their bank statements. Having the license and voided check would have zero effect on the interest rate so it's just dumb to not tell people what it is.
And both were MAD the interest rate came back MUCH higher than what they were told after jumping thru those hoops.
If you don't mind working with, either as a rep or customer, a company that refuses to give out their phone number and address, has people running the company who have the worst anger management issues in the country, is extremely unprofessional with their communication with emails and customer service AND flat-out lies to you about what they offer over and over and over, they go ahead and waste your time with them.
Just want to warn others to stay far away from these liars