You see the growth before anyone else does. Give it somewhere honest to go.
Your clients tell you things first: in the renewal, in the plan, in the policy review. When what they need next is a clearer picture of their credit and funding readiness, point them to a free, independent, educational resource. You share a link. Nothing is paid in either direction, we take no client lists, and we never send credit or financial information back to you.
You often see a client's growth at renewal before anyone else does. Share this only as optional information, never as a condition of buying, quoting or renewing a policy.
For licensed insurance and financial professionals. This is not a referral-fee program. This is education, not investment, insurance, tax or legal advice, and we do not guarantee any outcome, including funding, approval, rates, premiums or credit scores. Additional FundedCEO™ services may carry a fee, which is explained in writing before anyone decides.
Their revenue just jumped. Their books finally look right. They're ready to grow, and the one professional who sees it first has nowhere independent to point them.
That moment usually just passes. The client searches "business loans," lands on the wrong kind of capital, and the relationship you built isn't part of what happens next. Here is where it shows up, and what a free, educational session helps the client understand.
Their revenue jumped at renewal, and nobody connected it to a funding conversation.
→The client learns what lenders look at, so growth becomes a plan instead of a surprise.
A client's coverage needs grow with the business, and nobody has looked at the credit side of that growth.
→The client gets an independent, educational place to understand their credit before the next application.
A business owner maxes out personal credit cards to cover payroll.
→The client sees what other options exist and how their personal credit file affects them.
A growth plan stalls because the client thinks the bank's "no" was the only answer.
→The client learns what a decline may and may not mean, and what to prepare before applying again.
An advisor spots a client ready to expand but can't touch the lending conversation.
→A separate educational session covers it, entirely outside your engagement and your advice.
A client takes expensive short-term financing because nobody showed them the options in time.
→The client learns the questions to ask before accepting any offer.
A profitable business is declined for "insufficient time in business."
→The client learns how lenders read time in business, documentation and credit, and what may need attention.
A personal credit problem is quietly holding back a business or a plan.
→The client sees what is on their own three bureau reports, and can dispute inaccurate items for free.
Educational only. No approval, funding amount, rate, premium, score change or timeline is promised, and every lender and insurer decides under its own rules.
I've needed capital with nowhere independent to turn, too.
In 2020 my own business was wiped out and I filed Chapter 7. I rebuilt, using what I had learned at Morgan Stanley, HUD and Capital One, and earlier as a loan officer and a realtor, on my own file. I know what it is to need capital and not know where to turn.
That is why FundedCEO™ is built as education first: free, independent, and separate from your advice. It does not replace your role, your engagement or your relationship with your client. One person's story is not a prediction of anyone else's results.
Nothing paid. Nothing shared. Nothing hidden.
Advisers owe clients disclosure of conflicts, and that generally includes compensation for referring a client to a service provider. A CFP® professional who receives referral compensation also generally cannot call themselves fee-only. Insurance agents face anti-rebating laws in most states, and giving a prospect something of value to induce a purchase or renewal can break them. So we built a program with no money, no data and no inducement.
Partner
- How clients reach usYou share a link or QR code. The client registers on their own.
- What you receiveAn educational resource for clients, approved wording, anonymous activity counts such as link clicks, and a due-diligence package on request.
- What we receive from youNothing. No client list, no client data, no files.
- Payments and giftsNone, in either direction.
- Credit and financial informationStays with the client. Anything shared with you is the client's own choice.
The things that put a license or a designation at risk
- Pay or accept anything of valueNo referral fees, lead fees, revenue shares, gifts or event payments, and none disguised as co-marketing or sponsorships.
- Create an inducementWe never ask you to offer our session as a perk of buying, quoting, renewing or signing an engagement.
- Borrow your credibilityWe don't use your name, logo or testimonials in our marketing, and we don't ask you to recommend a paid program.
- Report resultsWe never send a client's scores, reports or results to you or anyone else.
- Promise a payoffWe don't say better credit will lower premiums or rates, and we don't calculate or explain insurance scores. We don't promise funding.
Your advice stays your advice.
We don't touch your recommendations, your products or your client relationships. We run one educational session and get out of the way.
The optional pointer
- Share the link as optional information, never as a condition of anything.
- Keep giving your own advice and making your own recommendations.
- Vet us under your firm's process before you recommend us.
- Keep client information to yourself.
The education
- Run the free educational session.
- Disclose that we are a for-profit company, and explain any paid option and its cost in writing before anyone commits.
- Support your due diligence.
- Keep attendee information confidential, even from you.
The decision
- Chooses whether to attend, with no pressure.
- Pulls their own reports through our credit-monitoring provider. Its terms, including the price after the trial, are on that provider's sign-up page.
- Decides whether to share anything with you.
- Can dispute inaccurate items on their own reports for free.
Four steps, with your review built in.
Introduce your practice
Tell us your role, licenses, firm and compliance contact.
Complete your review
Your firm's compliance team reviews us. We supply a due-diligence package, and we sign short Partner Terms: no payments, no lists, no promises.
Approve the materials
Approved wording, a link and a QR code. Nothing goes out in your name without your sign-off.
Share the link
The client decides and registers. You see anonymous activity counts only.
Rules we hold ourselves and every partner to.
We would rather turn away a partner than put a client, or your license, at risk.
We will never ask you to
- Accept anything of value for a referral, or offer clients anything of value in exchange for one.
- Offer the session as a perk of buying, quoting or renewing a policy, signing an engagement, or only to people who do.
- Send us client information, financial records, tax returns or a list of names.
- Tell a client that fixing their credit will lower premiums, loan rates or fees, or that they will be funded.
- Give us a testimonial, or recommend a paid program.
What every partner agrees to
- Complete your firm's due-diligence and compliance review before sharing.
- Present the session as optional, independent education.
- Follow your own securities, insurance, tax and professional-standards rules.
- Use only approved wording, and send anything new to us first.
- Keep your recommendations independent of the session.
Questions agents and advisors ask first.
Can I earn a referral fee or revenue share?
No. We don't pay referral fees, lead fees or revenue shares, and we don't accept them from you. For an adviser, referral compensation is a conflict to disclose. For a CFP® professional it can cost the fee-only label. We would rather give up the incentive than create the problem.
As an insurance agent, can I offer this to clients and prospects?
Only as optional information that is not tied to buying, quoting or renewing a policy. Giving something of value to induce a purchase or renewal can be a rebate in many states. Rules differ by state and the exceptions are narrow, so get your compliance team's approval before you share it.
Will fixing credit lower my client's premiums or loan rates?
We make no such promise. Insurers commonly use credit-based insurance scores, which are different from lender credit scores, and the rules vary by state. Our session explains credit reports and funding readiness, not insurance scores, and we can't tell anyone what an insurer or lender will do.
Will you get my client funded?
No. We don't guarantee approval, funding, amount, rate or timing. Every lender decides under its own policies. The session is education about readiness, so the client understands what lenders look at before they apply.
Will you send me clients or introductions?
No. We don't promise introductions, referrals or any volume of business, and nothing here is an exchange of clients. A client is free to work with any professional they choose.
Do I have anything to disclose to my clients or my firm?
Because no compensation moves in either direction, there is no referral compensation for you to disclose. You should still follow your firm's policies on outside resources and your own duty to vet anything you share. Your compliance team makes that call.
Will you tell me how my client did?
Not unless the client tells you themselves. We never send credit scores, reports, financial information or results to you or anyone else. You will see anonymous activity counts only, such as link clicks.
Will you use my name or ask for a testimonial?
No. We don't use advisors' or agents' names, logos or testimonials in our marketing, and we don't ask you to recommend a paid program.
Is this a substitute for my planning or advice?
No. The session is educational. It is not investment, insurance, tax or legal advice, and it does not replace your advice to clients. We don't operate under your name or present our services as yours.
Will you go through our firm's vendor review?
Yes. We expect it and will supply a due-diligence package for your review. We would rather be vetted than skipped.
Is it really free for clients?
The educational session is free. Clients pull their own reports through our credit-monitoring provider, which currently offers a $1 trial for the first 7 days and then $29.90 a month unless the client cancels; the terms are shown on the provider's sign-up page. If a client is interested in a paid FundedCEO™ service, we explain it and its cost in writing first.
Want an independent education resource for clients with credit and funding questions?
- Licensed and in good standing where licensing applies.
- You will complete your firm's compliance review before sharing the link.
- You will use approved wording only, with no outcome promises.
- No payments or things of value, in either direction.
We review every request and we are selective on purpose. Submitting a request does not guarantee acceptance, and it creates no agreement.
Request received.
Thank you. We review every request and will email you at the address you gave. This request is not an acceptance and creates no agreement.