Business Funding Authorization & Full Risk Disclosure
Client Information
Business Information
Full Risk Disclosure — Read Carefully Before Signing
Personal Liability Risks
Personal Guarantee: Business credit cards obtained through this service are personally guaranteed. If the business fails, closes, or cannot pay, you are personally liable for the full outstanding balance on those cards. Requirements vary by lender — your specific plan will identify which accounts carry a personal guarantee.
Interest Rate: Business credit cards carry high APR after any introductory period (typically 20–30%+ APR). If you carry a balance after the intro period expires, interest charges can be substantial.
Personal Credit File Reporting: Some issuers (including American Express, Capital One, and others) report business card activity to your personal credit files. High utilization or missed payments on business cards may negatively impact your personal credit score.
Average Account Age: Each new credit account lowers your average account age, which is a factor in your personal credit score. Multiple new accounts opened rapidly may lower your score beyond just the inquiry impact.
Application & Approval Risks
Hard Inquiries: Each credit card application generates a hard inquiry on your credit report. Hard inquiries may lower your credit score. The exact impact varies by lender and individual credit profile — the commonly cited "5-10 points" is an approximation only; your actual impact may vary.
No Approval Guarantee: Approval is at the sole discretion of each financial institution. Unlimitxxd Solutions makes no guarantee that any application will be approved or that any specific credit limit will be offered.
Account Reviews: Issuers may conduct financial reviews, reduce credit limits, or close accounts after multiple rapid applications or unusual activity. This is beyond the Company's control.
Fee on Unused Cards: The success fee is 10% of each approved card's credit limit, not of amounts drawn. Because charge cards have no preset credit limit, each approved charge card instead carries a fixed fee that we discuss with you and state on that card's invoice. You owe the fee even if you never use the cards or activate them.
Interest-Bearing Debt: Paying the 10% fee with a newly issued card creates interest-bearing debt. The Company recommends having funds available to pay the fee separately.
Income & Revenue — Client Responsibility
Important: Unlimitxxd Solutions does not provide, suggest, coach, or pre-fill income or revenue figures on any credit application. During the application process, you will personally enter all financial figures while driving the screen. The Company will not type any income, revenue, or financial figure on your behalf.
I understand that I will personally enter all income, revenue, and financial information on each application. The Company will not type these figures for me.
I understand that submitting false income or revenue information on a credit application may constitute bank fraud under 18 U.S.C. §1014 and I take full personal responsibility for all figures I enter.
I will provide supporting documentation (pay stubs, tax returns, bank statements, or business plan) as the basis for any projected figures I enter.
Application Authorization
I authorize Unlimitxxd Solutions to assist me — with my active participation and personal completion of each submission — in applying for business checking, savings, and credit card products as outlined in the application plan prepared for me. A specific per-round schedule of institutions and products will be provided and initialed by me before each round begins.
I understand that the Company will stop at the disclosure/review screen before final submission. I will personally review and submit each application.
I have read and agree to the Business Funding Service Agreement, including the per-card success fee (10% of each approved card's credit limit, or a fixed fee for each approved charge card), payment terms, and cancellation rights.
California Declaration (CCP §2015.5): I declare under penalty of perjury under the laws of the State of California that the information I have provided in this form is true and correct, and that I understand the risks and authorizations described above.
Client Signature
Printed Name
Date
City and State of Signing
Unlimitxxd Solutions Representative
Printed Name
Date
Per-Application Income Certification
This section is completed and signed separately after each individual application is submitted. A new certification is required for each bank.
☐ Bank statements ☐ Tax returns ☐ Business plan projection ☐ Year-to-date actual annualized ☐ Other: _____________
I declare under penalty of perjury under the laws of the State of California (CCP §2015.5) that I personally entered the figures above on the application submitted to the institution named above. These figures are true and correct as of today's date. I was not advised by Unlimitxxd Solutions to enter any specific figure.