HOW OUR PRODUCT WORKS

THE PROBLEM WITH LOANS...

Consumers often over-borrow and cannot afford their payments when they become due.
The more time it takes to pay off principal, the more the customer has to pay.
Repayment can go on indefinitely with borrowers often paying multiple times the amount they borrowed in the first place.

Imagine you are swimming to shore and the longer it takes you to reach shore, the further away from you the shore becomes. This is how interest-bearing debt can often feel to borrowers.

THE PROBLEM WITH LOANS...

Consumers often over-borrow and cannot afford their payments when they become due.
The more time it takes to pay off principal, the more the customer has to pay.
Repayment can go on indefinitely with borrowers often paying multiple times the amount they borrowed in the first place.

Imagine you are swimming to shore and the longer it takes you to reach shore, the further away from you the shore becomes. This is how interest-bearing debt can often feel to borrowers.

BFF INCOME SHARE FUNDING

OUR FUNDING IS NOT A LOAN

Our customers don't owe us any principal.

We provide you with the money you need up front and in return, when you are working, you share a fixed percentage of the income you earn for a fixed period of time.

A MAJOR ADVANTAGE OF OUR PRODUCT

Your payments are designed to stay affordable. If your income decreases, your payments decrease too!

HOW DO WE MAKE MONEY?

For each investment we make, we have a target rate of return. Unlike a loan, we do not hold you liable if we don’t reach our target rate of return. That’s why our Income-Share Agreements are truly investments and not loans. We only do well if you do well.

Historically, our target rates of return have been at least %25 less than what an interest-bearing loan for the same amount and over the same period would cost.

HOW DO WE EVALUATE OUR CANDIDATES?

Candidates are evaluated based on their prospects for earning future income and their tendency to pay what they owe on time.

Things we look at include: Career Experience | Education | Professional Accolades | Credit Score

WHAT IS THE FUNDING PROCESS?

Start with filling out the application for funding.
If we’re interested in your initial application we may ask for some supplemental information.
After providing the supplemental information, we will work with you to reach an income-sharing arrangement that makes sense for both of us.
After agreeing to the terms, we transfer the funds to the account you designate.
After your income share period starts, you make monthly payments to us equaling the agreed upon share of your income for the agreed-upon fixed period of time.

APPLY FOR FUNDING