| SMALL BIZ HEROES, LLC Credit Stacking and Personal Loan Consulting & Services Agreement |
1. Scope of Engagement. By proceeding with Small Biz Heroes, LLC ("SBH" or "Company"), I authorize SBH to represent me solely for the application and financing process, whether written, electronic, verbal, or otherwise. SBH has no authority to accept or decline any loan, line of credit, credit card, or other financing product on my behalf. I grant SBH the right to communicate with lenders and financing providers on my behalf.
2. Limited Power of Attorney. Client grants SBH a limited power of attorney, effective during the Term, solely to submit credit card and loan applications on Client's behalf. This does not authorize SBH to enter binding financial contracts, accept credit terms, or execute loan documents. It terminates automatically upon expiration or termination of this Agreement, or upon Client's written revocation with reasonable notice.
3. Fees. Client pays a $1.00 deposit to begin, which provides immediate access to onboarding, support, and profile optimization, plus a success fee of 9.9% of total funding accepted and accessed, including all personal and business credit cards and personal loans obtained during the working relationship. The success fee is due within two (2) business days of receiving access to funds; a $50.00/day late fee accrues starting two (2) business days after that. SBH accepts ACH, wire, invoice payment, or credit card by phone. If an invoiced or ACH-authorized balance is overdue by five (5) calendar days, Company may charge the card on file for the balance. Fees are non-refundable, and Client waives any chargeback of properly authorized, correctly invoiced charges (this waiver does not cover unauthorized or erroneous charges). Failure to pay or authorize ACH on time may result in a pause or cessation of services.
4. Reporting of Approvals and Denials. Client must promptly notify Company of all application approvals and denials, with supporting documentation (screenshot, photo, email, or written confirmation) showing the approved limit or denial reason. Absent that documentation, Company may treat the application as approved and, for unreported results, will assume approval at $25,000.00 for purposes of charging the Section 3 success fee.
5. Multiple Lenders. SBH may submit or refer me to multiple lenders in its database, each conducting its own credit inquiry, underwriting, and approval. Disclosing third-party assistance may hurt my ability to obtain financing.
6. No Obligation to Accept. I am under no obligation to accept any financing product SBH presents.
7. Non-Circumvention and Credit Verification. For 120 days, I won't use lenders SBH applied to or recommended, outside this Agreement. Doing so makes the Section 3 fee immediately due, with any late charges. I authorize SBH to review my credit reports for up to 120 days after termination, solely to verify whether financing came through an SBH-recommended lender and whether the Section 3 fee was paid.
8. Existing Applications and Excluded Institutions. Have you or anyone on your behalf applied for financing in the past six months, or are there lenders you don't want SBH to contact? List them below; they're exempt from this Agreement.
Institution Name: _______________________________
Institution Name: _______________________________
Institution Name: _______________________________
Institution Name: _______________________________
9. Liability. Client is solely responsible for debts incurred through credit accounts obtained via SBH and waives claims against SBH related to them. Company is not liable for losses from Client's default or from the use of any credit or funds obtained through its services. Client confirms funds will not be used for an improper or illegal purpose. Company is not liable for credit denials, rate changes, or other lender actions. Company's total liability is limited to amounts Client paid for services rendered.
10. Cancellation. This Agreement may only be canceled by written notice from Client. After cancellation, SBH retains the right to review credit reports during the 120-day verification period (Section 7), which Client cannot cancel.
11. Electronic Signature. Typing your name constitutes your electronic signature and creates a binding agreement. You agree to all terms herein and affirm the information provided is true and correct; signing on another's behalf without authorization may constitute forgery.
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Client Name
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Business Name
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Email
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Name on Bank Account
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Bank Name
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Routing Number (ABA)
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Account Number
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Account Type
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