THIS AGREEMENT is entered into, by and between PAYDEX Pros (“Advisor”) and, (“Client”), upon the following terms and conditions.

WHEREAS, Client desires to obtain Advisor’s consulting services in conjunction with a business the Client has an interest in.

WHEREAS, Advisor and Client have agreed to enter into this Business Credit Consulting Agreement.  

NOW THEREFORE, in consideration of the terms and conditions set forth below and other good and valuable consideration, the receipt of which and sufficiency of which is hereby acknowledged, the parties agree as follows:

I. ADVISEMENT SERVICES PROVIDED BY THE MYCOMPANYCREDIT PORTAL

1. There are many services provide by the MyCompanyCredit credit advisors which include:

a. Performing a corporate compliance and documentation review of Client and Client’s Business. The scope and purpose of the corporate compliance

and documentation review is to help prepare the Client to apply for business credit and attempt to maximize the possibility of success in obtaining

business credit and for no other legal or business purpose;

b. Establishing a Dunn & Bradstreet file and establish a Dunn & Bradstreet rating;

c. Building a Dunn & Bradstreet PAYDEX score;

d. Establishing a business credit file with Experian’s corporate department;

e. Obtaining an Experian Intelliscore number;

f. Creating a business credit file with Equifax’s business department;

g. Providing Client with a non-comprehensive list of trade accounts that may or may not report to business credit bureaus, including Dunn &

Bradstreet, Experian’s corporate department and Equifax’s business department;

h. Creating a Business Credit Asset that can be used for business financing opportunities; or (ix) Obtaining access to a dedicated funding advisor that

is provided by Advisor and/or its affiliates and/or assigns for a five (5) year period beginning as of the date of this Agreement between Advisor and

Client.

I. ADVISOR RESPONSIBILITIES

1. Advisor Responsibilities. Advisor agrees that it will handle Client’s business hereunder in a strictly professional and ethical manner, utilizing its best

efforts and skill on behalf of Client; Advisor has made no guarantee that client will obtain a particular business credit score or guarantee regarding a

specific cash dollar amount of credit a client will obtain. All expressions made by Advisor relative to the matters discussed in this Paragraph previous

or following the execution of this Agreement by the Client and Advisor are the Advisor’s sincere opinion only. However, if the Client has not been

extended at least $50,000 in TOTAL credit (any combination of vendor credit, trade credit, equipment lease, vehicle lease, loans, lines of credit, credit

cards, real estate pre-approvals, etc), Client may elect at any time to receive an additional twelve (12) months of advising from the Advisor.

I. ADDITIONAL COSTS

1. Fees. The Client agrees and understands that all funding obtained for lending sources will have a cost involved. These costs are standard lender fees

and might include processing fees, points, APRs, interest rates, discounts, and other standard fees commonly associated with borrowing money.

These fees are not charged by the Business Finance Suite team, but the lender themselves. The MyCompanyCredit Portal finance officers search to

find the best, and most affordable terms each client might qualify for.  

2. Client does receive many free items as part of their enrollment with the MyCompanyCredit Portal, including access to their Experian Smart Business

data, information on obtaining a free DUNS number and credit profile activation from Dun and Bradstreet, and no-cost listing with 411 National

Directory.   3. Client may incur additional costs and spend additional monies on services they elect to receive in the MyCompanyCredit Portal. These

are elective costs for services that might not be required, and include but are not limited to:

a. Dunn & Bradstreet, Experian, and Equifax full credit monitoring ;

b. Trade account set up costs;

c. Trade account vendor product purchase costs

d. Various state filing costs;

e. Various business license costs;

f. Business phone set up or other phone-related costs;

g. Personal and/or business credit report costs;

h. Bank fees and costs associated with financing, such as, but not limited to closing costs, application fees, or broker fees.

i. Other fees and/or costs that are customary to the general practice of business.

I. SECURING OF CASH FUNDING THROUGH THE MYCOMPANYCREDIT PORTAL

1. Client understands that they are purchasing software for the purpose of helping insure they meet lending credibility standards, helping them build

business credit, and gain access to cash funding options. Client understands they might not be able to initially qualify for some, or any of the cash

funding programs available through the portal.  

2. Funding approval is based on factors such as collateral, revenue, financials, personal credit, and business credit quality.  

3. Client understands that although their Advisor will ask questions about credit, company income, revenue, and other questions relating to pre-

qualification, the Client cannot be fully approved until they go through a formal underwriting process.  

4. Clients with lower consumer credit scores, no business credit scores, and no business collateral will not typically qualify initially for funding. Clients

with legitimate business collateral and/or good personal or business credit have a better chance of securing initial funding, but still cannot be

guaranteed they will be approved for initial funding.

I. ENROLLMENTS

1. Client understands their initial payment will provide them access to the MyCompanyCredit Portal, funding access and funding advisors.

2. Client agrees to pay payments promptly, and as agreed, based on the payment schedule initially discussed with their Advisor. Any other

conversations relating to payment or payment arrangements should be discussed between the Client and Consultant.  

3. Client agrees to contact the Consultant immediately with any concerns, or at any time the Client believes they might not be able to make a payment.   4. Client understands that once logged into their MyCompanyCredit Portal, no refunds of any kind will be issued.  

5. In the case client does default on any payments, all access to the portal will be terminated. The client will not have access to the funding through the

portal, business credit advisors, funding advisors, and will lose access to the business credit and funding they qualified for.  

6. In the case of default by the client, the client will not be permitted to re-purchase the system in the future.