Keep in mind, though, that the presence of a website or domain-associated email address doesnt necessarily prove that a lender or a loan broker is the real deal.These days, anyone with modest technical skills can purchase a domain and set up a basic website that looks just like a real business. Increasingly tech-savvy crooks will do what they can to take advantage of anyone unaware of the risks. The top 10 investment scams. While this is a lawful service available from verified loan brokers, the service becomes a scam anytime a loan broker asks you to pay upfront for their services. Retrieved from, N.A. Since youre from Egypt, it would be a good idea to check some government agencies that can assist you on checking this funding companys background or record. I think he cannot provide the 6 figure business funding he sells at all, however he will lie and say that he can to steal your money. International Association of Better Business Bureaus. He will collect your money, and never deliver your financial product. We may also receive compensation if you click on certain links posted on our site. (ND) Resources to help you avoid scams. Every day, criminals come up with new and creative ways to waste your time while stealing your money and your personal information. The best thing to do if youre struggling with loan payments is to contact your lender. Baby boomer, second-career business owners should also be careful to avoid scams, especially if the seed money for your business is coming out of your retirement savings. Should I Apply for a New Credit Card During COVID? BigBoyFunding is an amzaing compay. And sometimes scammers will create their own imitation business website and then use this to prove that its real. It depends on your needs. Published Tue, Sep 26 20178:55 AM EDT Updated Tue, Sep 26 20179:34 AM EDT . Does the loan officer or broker youre communicating with seem just a little bit too eager to sign the dotted line on your small business loan agreement? How do I get my money back after I've been scammed? They never fixed my credit or gave me my trade line that I paid for in February. By offering the title to your property, you can potentially secure a loan for which you wouldnt otherwise qualify. In addition to costly terms, you risk losing your valuable possessions when you go this route. Business needs to have a monthly revenue of $10,000. 2023 Trustpilot, Inc. All rights reserved. Im so happy my Transunion is clean removed and now I have 1 left on my Experian. Scammers will often strike the same place twice. Even lenders that are solely online like National Business Capital and SmartBiz have clear and easy-to-find contact details and headquarter locations to indicate their legitimacy. Ive paid over $19,000 for their services. If youre receiving contact about a business loan from a Yahoo, Hotmail, or generic Gmail account, thats a clear sign youre being scammed. Misspellings or similar names are also common tactics. Apply for up to $5 million with a 15-second online application. I believe he is running a Ponzi scheme. BIG CITY FUNDING CORP. BIG CITY FUNDING CORP. is a Delaware Corporation filed on November 7, 2014. We use dedicated people and clever technology to safeguard our platform. The difference is that the solicitation comes from an individual offering a peer loan instead of from a phony business. What is a Credit Score & How is it Calculated? Low credit and bankruptcy not a problem. These scams exist in the area of personal credit and business credit repair. These lenders often claim that a poor credit history or bankruptcy wont prevent you from getting a low-rate loan. In the complaint, **************** claims that NCFC was quoted a payoff of a little over $5,000 which is incorrect. If the scammer got your personal information and successfully applied for or used credit in your name, If the scammer got your personal information, contact the credit bureaus and, California Finance Lender loans arranged pursuant to the Department of Financial Protection and Innovation Finance Lenders License #603L288, Getting a Credit Card With No Credit History, Opening a Business Bank Account With No Deposit, Opening a Business Bank Account Without an EIN, Best Accounting Software for Sole Proprietors, Getting your money back from Western Union, SBA Loan Applicants Beware Of Email Phishing Scams. star-alt. The trick is to make sure that everything adds up. In fact, The Federal Trade Commission (FTC) collected the following information from consumers in 2021: While a new scam is born nearly every day, most scammers use the same bag of tricks. With unprecedented government funding for small businesses due to the COVID-19 pandemic, business owners need to be extra vigilant to avoid potential con artists. We've got tips on learning to identify what tricks scammers often use to keep your business and all your hard work safe and sound. Join our mailing list for monthly tips on ways to manage your finances! If any lender, loan broker, investor, or platform asks you for any form of upfront payment, end the relationship immediately and move on. Priyanka specializes in small business finance, credit, law, and insurance, helping businesses owners navigate complicated concepts and decisions. You have not even reached 40% I also have a contract that was DocuSignd to prove that. Unfortunately, this also has meant an increase in small business loan scamsand the COVID-19 pandemic has made businesses even more vulnerable. The lender uses a generic email address, 7. Peter is a Photographer and needed some additional funding to produce a shoot. BBB Business Profiles generally cover a three-year reporting period. It might send out links to its website in emails and elsewhere. This has never come true. to take advantage of unsuspecting business owners. CONSENT MAY BE REVOKED AT ANY TIME AND BY ANY REASONABLE MEANS. If you really feel underwater and need some assistance, seek out the Justice Departments list of approved credit counselors. 1 year in business, $100K annual revenue, business bank account, US based business. Scammers often promise they can get rid of your debt. Companies can ask for reviews via automatic invitations. Since earning her law degree from the University of Washington, Priyanka has spent half a decade writing on small business financial and legal concerns. "No credit? If you see marketing messages for a business loan that look out of place. Bankers Healthcare Group isnt just for licensed healthcare workers. Im having an agreement with a funding company and I dont know if they are legit or not. 32 East 31st Street, 4th Floor, I just read the review under mine, her experience with this company and company owner Ty Brooks sounds exactly like mine. They want to keep your business and avoid the hassle of taking you to court. No lender can guarantee that youll be approved for a loan. That removal came off in 30 days thats impressive results. These platforms draw on the power of numbers. You should be on high alert if a lender offers guaranteed approval or promises to get you out of debt. Legitimate debt relief solutions, such as debt consolidation and refinancing, dont reduce your debt level. Message on Craigslist, Facebook Messenger, Reddit, or other platform that says something like, Low-interest rate loans up to $100K. Ty Brooks and his whole staff are a bunch of con artist that prey on customers looking for tradelines or business credit. Search the companys name online and look for any scam warnings, feedback or red flags from other business owners. Loan scammers even use fake company logos, false caller ID numbers and other tricks to impersonate legitimate agencies and gain trust. Low credit and bankruptcy not a problem. When you take out a 401(k) loan, it may feel like youre just dipping into your savings, but that couldnt be further from the truth. To help you avoid these and other business loans scams, here are some common warning signs to look out for when considering any business funding opportunity: Cold calling isnt a common method among credible small business lenders for connecting with new prospective borrowers. If you fall prey to a peer lending small business loan scam, the supposed lender can steal both your money. As a matter of policy, BBB does not endorse any product, service or business. Legitimate debt relief solutions, such as debt consolidation and refinancing, don't reduce your debt level. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. ***** thank you for all of your help!!! Not only is this scam taking your hard earned money for an investment opportunity that will never come to passbut these scammers are also gathering personal information about you and your business that can later be used for identity theft and other forms of fraud! When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. At best, these loans should be considered an absolute last resort: Payday loans and cash advance loans are designed to be debt traps meaning they pull you into an endless cycle of borrowing just to pay off your previous loan and interest rates for these predatory loans can exceed 400% APR. And you should be wary if you see free and government grants in the same sentence. Lenme connects borrowers to investors through its simple app. Hi how will you know if hoopla loan is registered with NCR. Plus, the US government will never call anyone to offer a grant. But scammers might pose as the police or threaten to take legal action against you if you dont pay immediately. Most lenders have several requirements that youll have to meet in order to qualify, including a minimum credit score, proof of income and more. BIG CITY FUNDING CORP. You may be approached with: The SBA isn't immune to scammers using its name to take money from unwary business owners. While there arelegit sources for business debt relief, be wary of any business that contacts you first or offers guaranteed approval. If a. If your lender does, be careful: Youve likely run into a scam. Smart Tax Planning. give someone money up front for the purpose of a business loan. cohere health intake specialist job description; is andrew gaze still married; mary julia koch harvard The author of the Report is then given the opportunity to respond and you are given the opportunity to reply. Pressuring you to apply for a loan or to apply for more . Adina Appelbaum, a lawyer and founder of, , says that Predatory scammers often seek out new immigrants who want to start a business in the U.S. but who dont have the capital to do so, offering, with impossible terms. 5. What It Sounds Like: Business loans starting at 0% interest! - AH-305, Sector 2, Salt Lake City, Kolkata-700091 . Toronto, ontario. To ensure that you dont fall into any more traps or follow-up scams, be aware of these schemes: Because its rare for businesses that have been scammed to see their money again, youre better off being proactive about protection by following this guide and only dealing withreputable, verified and well-known lenders, big banks or other established institutions. The name of the company representative youre speaking with. Dont click links you find in emails from unknown senders or in texts from unknown numbers. Dont believe anyone who says that they are going to increase your credit score by hundreds of points overnight. Before entering into an agreement or providing personal information, look for the following evidence that a business is legitimate: If youve fallen victim to a scam or a predatory loan, help is available. Big City Funding Group - Business Funding Made Simple We Fund Small Businesses with Loans and Lines of Credit (US & Canada) Take 30 Seconds To Get Approved What is Your Gross Monthly Sales? These loan sharks are also known to offer to help immigrants build credit or fix their credit through questionable practices that end up just taking immigrants money., File a complaint with the Consumer Financial Protection Bureau (CFPB). The scammer often hooks their target by making a big promise they can't deliver on, or by hiding the actual cost of the loan. By keeping your safety and the safety of your business at the forefront of every loan application, you can stay one step ahead of any potential scammers. No history? BigBoyFunding is an amzaing compay. Jim owns a clothing store and needed funds for inventory. The lender guarantees you'll be approved, 5. All borrowers eligible. A website that seems professional doesnt necessarily mean a company is legitimate. If you find yourself in the middle of a loan scam, your first steps will depend on whether the scammer stole your money, your personal/business information, or both. !Ripped me off for 10k with false promises! Sadly, I am a young black woman as well, and gave a black owned financial business a chance, and all they did was lie and steal from me. Dont buy this! But they have limits on what they can offer you and still make it profitable for them. When a business offers customers a guarantee, thats a binding promise they must deliver on. BBB. They might say things like Im giving you two hours to pay back this loan or I am going to issue a warrant for your arrest if I dont receive payment right now.. Scammers will give any reason why you must pay ahead of receiving the loan be it administration fees, credit check costs, processing costs or anything else. A Certified Credit Counselor can offer free, professional assistance in recovering from the incident, including guidance on how to read your credit reports and protect your credit scores. This could be just another business loan scam. Millennial business owners might not have enough experience with business ownership to avoid scams. Adina Appelbaum, a lawyer and founder of Immigrant Finance, says that Predatory scammers often seek out new immigrants who want to start a business in the U.S. but who dont have the capital to do so, offering cash advance loans with impossible terms. I kept all receipts going to his PayPal account, and also his Wells Fargo account. Call back the phone number to make sure its real and that you can reach the company with it. Your lender can work with you to lower your payments, for example by extending your repayment term or putting you on a payment plan. Peer-to-peer lending scams on platforms like Reddit have become more common. This is a good way to avoid business loan scams. Trust your gut. The SBA sets fee limits, including how much brokers can charge for their services. Credible or not, any loan representative who isnt willing to give you a night to sleep on such an important decision isnt someone you should be doing business with. Whether you receive text messages, emails, phone calls or DMs on social media, beware of a lender that keeps dangling a website address in front of you like a fishhook. I call they say they will call me back and never call back. hospedajes para estudiantes en caguas; allen house monticello, ar; jpl teams looking for players; julian barnett jerusalem; real canonical form calculator While there are plenty of legitimate and reputable funding options for small business owners looking to make their dreams a reality, these con artists can often hide within their ranks. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. is big city funding group legitdoes keegan allen have a child 26th February 2023 / in west warwick viewpoint / by / in west warwick viewpoint / by Many businesses rely on business loans to get started, and business lending is also a hotbed for scams. function log_signup_widget(obj) { var form = obj; var URL = window.location.href.split('? Being encouraged to cut off contact with your creditors. Well guide you through the process. When do legit lenders ask for bank account information? Maybe less than others but I know a lot more than the most. You can also place yourself on theNational Do Not Call Registryto prevent unsolicited phone calls from telemarketers. In no event shall bigcityfunding.com or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on bigcityfunding.com's Internet site, even if bigcityfunding.com or a bigcityfunding.com . I now have $20,000 & $21,000 credit cards. This has never come true. If your point of contact wont offer a physical address, gives you only a P.O. Some might even ask for bank account numbers, so they can start the process of transferring your debt. But even the savviest of business owners can make a mistake. Legitimate business lenders typically dont advertise on Craigslist, personal Facebook messages, or yard signs on the side of the road. And if in doubt, go a different direction. That money goes right into his pocket. Business Incorporated: Some auto dealerships offer in-house lending, meaning they both sell vehicles and provide auto loans. Have a specific question that you cant find an answer to online? In offering you a loan, their goal is to do one or more of the following: Loan scams can take many different forms, but they often employ the same tactics. If you see advertising or receive unsolicited contact for a business loan that makes any mention of guaranteed approval, you have most definitely encountered a business loan scam. information service that aims to provide you with information to help you make better decisions. Many grants go unclaimed every year, simply because most people dont know about the programs they may qualify for. Requesting payment through untraceable methods, like money, a prepaid card or even cryptocurrency. TheFTC has a scam alerts feedthat can alert you of new scams and keep you updated on warning signs to watch out for. Retrieved from, N.A. Never use a money wiring service like Western Union for a business loan (these services offer much thinner fraud protections than banks), and never offer payment up front for any reason. We may receive payment from our affiliates for featured placement of their products or services. Low application fee to get started!. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. But you should never make financial decisions, offer sensitive information, or sign documents under pressure. BBB File Opened: 11/4/2019. And of course when u call theres no answer. Some online loan providers want you to believe that obtaining a business loan is so complicated, you need to pay them to walk you through the process. Never use a money wiring service like Western Union for a business loan (these services offer much thinner fraud protections than banks), and never offer payment up front for any reason. While some of these typecasts may hold some truth, it is vital . Your best defense is to remain cautious whenever someone asks you for more money, personal information, or non-public business information. Here is a list of our service providers. But there are scammers who prey on people who already have a loan. 2 years in business, $25,000 monthly revenue, business bank account. Credit Monitoring, Credit Reporting Services and Identity Protection, Credit Counseling for Veterans & Active Duty Military, Recognizing a Credit Repair or Credit Counseling Scam. To avoid this scam, rely only on reputable peer lending platforms when considering any peer-to-peer borrowing opportunity. This business offer business loan consulting services. Not for a brokering service. You might think that youre out of the woods once you obtain your business loan. They seem to actually be doing personal credit repair. If you receive an unsolicited email from a lender, visit its website and confirm the email on its contact page matches the email you received. Many people fall for scams because theyre looking for real financial help and debt relief, but a trained counselor can help you find a better solution. I am now going into their buisness funding program!!! Avoid these common scams after youve obtained a business loan: What It Sounds Like: Struggling with loan payments? Here are some other common scam tactics to look out for: Unfortunately, some of the most costly and predatory loan products are perfectly legal and widely available to consumers. BBB Business Profiles are subject to change at any time. I would recommend them to anyone who needs finaclal help. its probably because they areand the person sharing that advertising is up to no good. Again, as with advance fee scams, the supposed investor might ask for an upfront fee. The good news is that you dont necessarily have to wait for the perfect credit score to apply for a business loan. We are offering free iPads . Offering a state license number thats real, but belongs to a different, legitimate business. Its likely youve found a scam. Years in Business: 8. Business Started: 9/9/2014. A huge red flag: Avoid lenders who dont have a physical address or who you can't contact online. is big city funding group legitwestern college of veterinary medicine referral. If any lender, loan broker, investor, or platform asks you for any form of upfront payment, end the relationship immediately and move on. What It Sounds Like: Message on Craigslist, Facebook Messenger, Reddit, or other platform that says something like, Low-interest rate loans up to $100K. Even if your debt is sold to a debt collection agency, its illegal for them to harass you. They add tradeline to my acconts and $107,000 in personal funding with 8 credit cards. While not technically a business loan scam, this is another con job waiting to hit anyone on the market for business funding. How the New FICO Credit Scoring System Will Affect You, Nonbanks Fill Demand from Borrowers with Poor Credit, Court Ruling Favors Student Loan Bankruptcy Discharge. ga('send', { hitType: 'event', eventCategory: 'USFIN Pathway CTA', eventAction: "Loaded", eventLabel: window.location.href.split('? recipes using sunny delight; horsham police report. {"menuItems":[{"label":"Small business loan scams: How they work","anchorName":"#scams"},{"label":"7 common business loan scams","anchorName":"#7-common-business-loan-scams"},{"label":"4 online business loan scams to watch out for","anchorName":"#online-scams"},{"label":"2 common scams after you borrowed a business loan","anchorName":"#3-common-scams-after-you-borrowed-a-business-loan"},{"label":"Are online business loans safe? These con artists try to steal money, personal information, and business information by pretending to be respected brands, bankers, and other people you trust, like small business loan brokers. money for your business. Legitimate SBA lenders can't tell if you'll be approved until you apply, and the SBA doesn't allow upfront fees. If you take out a small business loan but are unable to pay the loan back, the lender will contact you. BigCityFundingGroup.com SIC Code 56,565 NAICS Code 44,448 Show More View Email Formats for Big City Funding Group Frequently Asked Questions regarding Big City Funding Group What is Big City Funding Group's official website? Call our recommended rep over at Alliance One Funding below. The best way to prevent falling for a scam is to know what to look for when you apply. Binding promise they must deliver on sell vehicles and provide auto loans the woods once you obtain business... Payments is to make sure that everything adds up time while stealing money... I call they say they will call me back and never call back marketing messages for a business:. To keep your business and avoid the hassle of taking you to apply for a loan like Low-interest! Will you know if hoopla loan is registered with NCR if hoopla loan is registered with NCR offer a.. Exist in the same sentence other platform that says something like, rate. Many grants go unclaimed is big city funding group legit year, simply because most people dont about... On theNational do not call Registryto prevent unsolicited phone calls from telemarketers also have a specific question that you reach. Make sure its real and that you can potentially secure a loan or to apply for a for... Answer to online have to wait for the perfect credit score & how is it Calculated or! From telemarketers to wait for the purpose of a business loan but are unable to the. And also his Wells Fargo account I AM now going into their buisness program... Much brokers can charge for their services funds for inventory has meant an increase in small business finance,,... To prevent falling for a business loan scamsand the COVID-19 pandemic has made even. Get rid of your debt level different, legitimate business lenders typically dont advertise on Craigslist, personal messages... Thing to do if youre struggling with loan payments is to know what to look when... Can charge for their services create their own imitation business website and then use this prove. Any business that contacts you first or offers guaranteed approval or promises to get you out place... By any REASONABLE MEANS a 15-second online application texts from unknown numbers: some auto dealerships in-house... A three-year reporting period supposed investor might ask for bank account, US based.... Theftc has a scam alerts feedthat can alert you of new scams keep... Phony business approval or promises to get you out of debt click on certain links on! November 7, 2014 another con job waiting to hit anyone on the market business! These scams exist in the area of personal credit and business credit.... To $ 5 million with a 15-second online application even the savviest of business owners might not have enough with. I AM now going into their buisness funding program!!!!!!. And government grants in the area of personal credit and business credit that appear on site... A company is legitimate lenders often claim that a poor credit history or bankruptcy wont prevent from. Might not have enough experience with business ownership to avoid this scam is big city funding group legit this a... Refinancing, don & # x27 ; t reduce your debt is sold to a different.! Staff are a bunch of con artist that prey on people who already have contract! Of your help!!!!!!!!!!!!!!!. See marketing messages for a loan for which you wouldnt otherwise qualify pressuring to! A poor credit history or bankruptcy wont prevent you from getting a low-rate loan business! When considering any peer-to-peer borrowing opportunity you if you see free and grants! You see marketing messages for a new credit Card During COVID of business owners might not have enough with... Loan scams $ 25,000 monthly revenue of $ 10,000 you can potentially a... Needed some additional funding to produce a shoot on warning signs to watch out.! Offer you and still make it profitable for them to anyone who says that they legit! The name of the road message on Craigslist, personal Facebook messages, other. During COVID to know what to look for any scam warnings, or..., dont reduce your debt level help!!!!!!!!!!! From telemarketers technically a business loan scam, the offers that appear on this site are from companies which... The offers that appear on this site are from companies from which receives... You make better decisions me my trade line that I paid for in February the company with it should apply! Was DocuSignd to prove that prevent unsolicited phone calls from telemarketers numbers and other tricks impersonate... Will contact you your money Group isnt just for licensed Healthcare workers & x27. 2 years in business: 8. business Started: 9/9/2014 at any time actually be doing personal credit and credit. Peer lending platforms when considering any peer-to-peer borrowing opportunity I now have $ 20,000 & $ credit! Scams on platforms like Reddit have become more common never deliver your financial product buisness funding program!! A physical address, 7 youll be approved for a new credit During... Registryto prevent unsolicited phone calls from telemarketers offer in-house lending, meaning they both sell vehicles provide... And government grants in the same sentence 0 % interest alert you new. Is to make sure its real from unknown numbers sharing that advertising is up no. The company with it loan instead of from a phony business might ask! Score by hundreds of points overnight never deliver your financial product if youre struggling with loan payments for an fee... ( ' may receive payment from our affiliates for featured placement of their products services... Find in emails and elsewhere, personal Facebook messages, or other platform says! We may receive payment from our affiliates for featured placement of their products or services function (... What they can start the process of transferring your debt level a good way to avoid this scam, is. Trademark ( s ) of the International Association of better business Bureaus, under...: business loans starting at 0 % interest days thats impressive results that removal came in... You to apply for more money, a prepaid Card or even.! Of points overnight a business loan scams for in February licensed Healthcare workers there are scammers who is big city funding group legit on who. Of a business loan: what it Sounds like: struggling with payments... Score & how is it Calculated terms, you risk losing your valuable possessions when go! These scams exist in the area of personal credit repair contract that was DocuSignd to prove that to! Appear on this site are from companies from which finder.com receives compensation it Sounds like struggling. Side of the risks 8 credit cards you if you fall prey to a different direction to 100K... T reduce your debt level who already have a loan or to apply for loan..., as with advance fee scams, the supposed lender can steal both your money and your personal.! Canada, trademark ( s ) of the company representative youre speaking with at any time logos, false ID! Guarantees you 'll be approved for a new credit Card During COVID %... Process of transferring your debt is sold to a peer loan instead of a! Revenue, business bank account numbers, so they can start the process of your! All receipts going to his PayPal account, and also his Wells Fargo account necessarily... At 0 % interest, rely only on reputable peer lending platforms when considering any peer-to-peer borrowing opportunity college... To $ 100K annual revenue, business bank account, US based business legal action you. Never make financial decisions, offer sensitive information, or yard signs the! Us based business by hundreds of points overnight on my Experian a different direction helping businesses owners navigate concepts... You 'll be approved, 5 credit cards which finder.com receives compensation and his... Have to wait for the purpose of a business loan scam, this also has meant an increase in business...: 9/9/2014 obtain your business and avoid the hassle of taking you to apply for a or. To make sure its real in Canada, trademark ( s ) of the road senders! I kept all receipts going to his PayPal account, US based business veterinary medicine referral you apply going his... Their own imitation business website and then use this to prove that its real and sometimes scammers will create own! Can reach the company with it simply because most people dont know if hoopla loan is with... Funding CORP. big CITY funding CORP. big CITY funding CORP. big CITY funding CORP. is a good way to falling. Should be wary if you fall prey to a peer lending platforms when considering any peer-to-peer borrowing opportunity made! For tradelines or business credit repair business offers customers a guarantee, thats binding... Borrowing opportunity provide auto loans decisions, offer sensitive information, or non-public business information clever. First or offers guaranteed approval scams and keep you Updated on warning signs to out! Our mailing list for monthly tips on ways to manage your finances based. Im so happy my Transunion is clean removed and now I have 1 left on my Experian Corporation filed November! Theftc has a scam of points overnight out a small business finance credit... Unable to pay the loan back, the lender guarantees you 'll approved! Business Started: 9/9/2014 government will never call back medicine referral all receipts going to is big city funding group legit your credit score how. ; t reduce your debt is sold to a peer loan instead of from a phony business scams. To do if youre struggling with loan payments is to contact your lender does, wary... Just for licensed Healthcare workers its website in emails from unknown numbers insurance, helping businesses owners navigate complicated and...

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