Ari Page

So we would review what their score looks like.

We'd review which cards we believe they'd most likely be approved for, that we'd be able to get the higher limits on, that have the most lucrative 0% rates.

Then saying that everything's matched and perfect for that and there's nothing that we need to do, we would then move forward and apply for them.

Then after that is where our consulting services of working together with the client.

This is where two thirds of the funding come in.

We then show the client and describe to them exactly how to interact with the underwriters.

And it's a pretty simple thing because we give them the phone number.

Legally, they have to be the one doing this.

We wish we could do it for them, but we can't.

They have to do this.

So then once they've spoken to the underwriter and they've transmitted the information that we've told them to, which is basically the perspective, we need to speak to the underwriter from the perspective that will give them the most confidence in that client's business.

And so we teach the client how to create that confidence.

There's no kind of lying or misrepresentation.

There's nothing untoward going on there.

It's all just about in the way that the business is presented to the underwriter.

Now that can be the difference between a decline or a $50,000 approval.

And like I showed you before, Justin, in our software,

one third of the funding coming in comes from the applications.

Two thirds of the funding, the lion's share, 70, 60, 70% of it comes in from the negotiations.

That's where, when that client talks to the underwriter, they're like, oh,