This company is a scam. Let me tell you how these people work. I was looking to secure a loan for my small business in March 2010. I found this web site (www.fundinguniverse.com).
No more than 3hrs after filing out the website questions a agent from funding universe calls me and puts me in contact with a gentlemen names (Joe Hughes). Joe pretty much gives me a sugar coated turd of a story about securing a loan in few months and promising funding for my business. I was sold on the 99 dollar credit enhancement package.
So after forking out $99, he puts me in touch with another agent (Jordan Keith) that works with SBFC. A credit enhancement package specialist (Underwriter). Jordan promises the world to you at the cost of $500 for SBFC to start the process of credit repair and $250 a month to continue the pursuit of this scam.

I was instructed by SBFC to set up a account with TrueCredit.com to monitor my credit. SBFC wants you to fax all credit response letters back to them, and give them your user name and password to this site so they can log in and monitor you credit. They also send you all the credit dispute forms through the mail to you so you can mail them yourself. For 250 bucks a month, I figure a law firm could at least handle this themselves. And the big kicker is, my credit score only improved 30 point. I could of sent off these letters and filed the disputes. One major outstanding blemish on my credit they still won’t do anything about. I talked to Legal assistant Amanda, and she still hasn’t done anything about this. All these people want is to waste you money.

I have called Jordan Keith multiple times expressing my discontent over this polished turd of a deal. And all I get is apologies and the saying “We are working on it, it takes time”. I asked Jordan if he ever worked for RBSL (another loan company that is in lawsuit) and replied he didn’t. Although the one loan he did try to get for me listed RBSL at the top as the reference. These people are liars and Scammers. He sent me in another direction to a company that was supposed to supply a loan around 50k. Come to find out they can only supply me 5k with outrages payment. As I stated to him If I had that money for those payments I would never needed the Loan. And The mystical Jordan Keith that never worked for RSBL has sent a letter in the past to a poster in this forum that is signed with Jordans name and RBSL company tag. Liars and scammers. These are the people that cause economy’s to collapse because there greedy ass ways.

In the beginning I figured funding Universe and SBFC were going to fulfilled their promises to have a loan in few months so I acquired the property and set up store front with my own capital (mistake number 1 – trusting these people). Now months later and financial strain. I have no choose but to close my store front and business due to these people. I will be seeking legal action on this matter.
So today’s lesson kiddy’s is, don’t fall for fundinguniverse.com or SBFC promises they might of changed their names from the crooked past but they are still crooks.

Funding Universe is a waste of my time. As General Counsel for this new venture, I should have known better. Especially when they responded to an online (www.fundinguniverse.com) request for funding, and stated they would help, but based on the 'credit profile' and their vast experience, they would need to run a full credit history etc., etc.

After a very good sales pitch, I gave in to 'Joe Hughes' at Funding Universe. I was stupid enough to fall for the hype and provide them $99, so they could "spend time analyzing the loan request, as a lender would", and provide me with details on how we could best position this loan request for a successful outcome. They went on and on about how they knew the best way to be helping new businesses (and people and existing businesses) with loan requests, and could help assure the lenders were shown the right documentation, etc., etc.,

Then after they had the $99, they had an appointment set up with an 'analyst' call who said there were a lot of issues that could be fixed, related to credit and underwriting requirements that lenders score loans on, etc., etc...BUT he would need more money, in this case about $1, 200.00 more.

I said no thank you, that we had a business plan and good financials, etc. The guy would not take not for an answer. I finally said, NO! We would not be using their services. He began to question the decision and started explaining why I needed them, etc. Being a busy person, I told him no again, and that I was hanging up. I finally had to hang up on him.

He called back. I more forcefully told him no and hung up.

Agents from Funding Universe have left made no less than 10 seperate phone calls, often leaving messages to call, sounding urgent.

I should have known that a reputable broker (they are not lenders) would work off of a success fee or on a contingent basis, not taking on a client or loan request that has little chance of closing.

Today, two weeks later, I accidently picked up a call after 5pm and it was "Kurt" from Funding Universe. I politely told him we would not be spending any more money with his firm. He would not take no for an answer, finally I said we were done and would not be using his firm's services. He responded with 'have you gotten your money yet?" I told him, in less than positive language, to stop bothering us.

I hope that is the last call we get from funding universe...what a scam!