OMG !! OMG !! It’s really easy process to get funding and Nick was so helpful with process got funded less then one week. I used company from New York for 6 year to get business funding and I am so happy to switch with PayPal business loan builder and it’s way less charge then all competitors. Thank you so much Nick for helping me.

oh Geez where do i start??? oh Geez where do i start??? First off I have been a Loanbuilder customer since 2013, my very first loan. Everything went great, it was there when i needed it everything worked like a clock. Even through Covid, this company helped and I never missed a payment, EVER. Fast forward 12 Successful loans later almost 10 years. I re apply for my 6 month re up...i get a RED light denial. I ask why, they cant tell me, they give me some BS reason that my financials are in the worst shape they've ever been in? The response was not something a computer would generate this was a human entry. I go check my scores 720,719, 706 100 % on time payments, 3% credit ulitization score, Low credit to debt ratios across the board, I own all of my inventory, i dont owe anyone. I ask them about it, and they tell me Experian Business Credit says im a bad risk. I call my accountant, we go online and check with Experian Business Credit, both of us GET TWO SEPARATE REPORTS at different times. Both reports read LOW RISK score of 79 on a scale of 1-100. the financial Stability Risk rating on a scale of 1-5 1 being perfect 5 being poor, I get a 1, with a .55% chance that I'm going to have severe financial Risk over the next 12 months. We call Experian Business Credit and mind you getting this report is not free it cost both of us $189 each... The person we get on the phone on a conference call, verifies all of my information, and even is surprised when I tell him that I was declined and that the company I've had 12 successful loans with has declined my app. He says there's no reason why you would be declined that he can see on my end. Have them call us and we will verify this. I not only heard this from Experian Biz Credit, I also heard the same thing from Equifax and Transunion both of them offering to call and verify my good standing. These were not cold calls to a representative they were to supervisors at a third level call. Scale back to Loanbuilder, my rep Seth Miller, advances the call to an Allyson Nieme, his boss. I explain the whole situation to her who initially says, sorry nothing we can do until I say, I'm not stopping here I need to speak to your boss. She contacts him, and the very next day, I'm given a new link to apply to. I go and apply and low and behold all of a sudden I get to the next step. It asks me for additional information, which are the last 4 months of bank statements which I know are good my biz was 28% over last years in sales. I get Seth on the phone he tells me I am PRE APPROVED for $100,000 loan and that he can probably get me MORE than that based on my previous loan excellent history. He even gives me my weekly payment and the weeks I'd be paying and asks me verify questions on a recorded line. He tells me I am all set and it goes to underwriting and that it should take about a day. I go on the Loan builder portal, and mind you I've got Progress pictures of everything as we proceed. The loan is already loaded into my profile with a lower amount of $77,000 with another new payment amount and a starting date. I call Allyson to ask why and she says to wait for Seth to review it and hell get back to me, He does and asks for additonal info on clearing another old loan from someone else and I did and it was paid off 7 months prior to ZERO balance he says were all good. Weekend go by, no contact I call on Monday and he says he has no news to try tomorrow he'll call me. No call, I don't bother him, thinking they have a back load. Tuesday i call and he says he's heard nothing and that the Underwriting Dept is in India and they have limited resources and the time difference. I'm sorry, India? what happened to hiring staff in the United States and giving people jobs here in such an important decision relating to someone else's business, I think that's important to the US dont you? So instead of really digging into this and doing due diligence and looking at customer's prior excellent payment history, you're giving that decision to a person in India 8000 miles away to decide if a small business gets to continue his dream? Still no answer from Seth or Allyson and I have to do all the leg work here. I get an email from Loanbuilder with an entirely diff excuse as to why I was declined. Knowing that this was going to happen the night before I go online and search about Loanbuilder, and my specific scenario, guess what I'm not the only one with the same exact situation. I do a little more digging and I find an applicant with a very similar situation to me and I send a message.The person gets back to me but they also say that None of the scoring values that loanbuilder had for them, matched what the actual ones were. That person did all the back checking and calling the bureaus as well. My attorney is moving forward with this and will lead to discovery of more of the same and a class action lawsuit. Unlawful credit practices is the deal and we are filing. Approve the loan

We just recently re-upped another short… We just recently re-upped another short term loan with Loanbuilder. Once again they provided me with an EXCELLENT APR and weekly payments. Niles E. made the entire transaction as easy as possible and with us a returning customers we received our funds deposit the very next day. Loanbuilder is the BEST in the industry! I have had other potential lenders tell me that they CANNOT touch Loanbuilder's terms. We highly recommend them.

This was a fast and easy application to… This was a fast and easy application to fill out. But the best part was that someone actually called and I was able to speak with them about concerns with the offer, options and the process. This was my first time going out to raise capital for our business and it was the best offer of the 3 or 4 we received.

They're an absolute nightmare. They're an absolute nightmare. I applied for my PPP loan over a month ago. I've been prompted to resubmit the same documents half a dozen times. Nobody answers the phone or responds to emails. They sent me documents to sign two weeks ago, and just today they sent me an automated email asking to resubmit my bank statement, the same statement I've submitted four times already. Avoid them at any cost. It's disgusting to see such a large company have such utter disdain for the little guy.