Small Business Capital Funding — David Allen Capital Review

20 min readMay 27, 2021

Do you need incredibly fast funding with up to $2,000,000 for your small business that the big banks can’t give you…Even with Bad Credit?

Listen, You’ve stumbled into a first-hand experience David Allen Capital Reviews where I “Chezray Lewis” a small business owner myself with many years of experience as well an Independent Loan broker agent now will show you how you can get commercial loans and merchant processing as well the opportunity to help small businesses get funding if you decide to.

All around the web People are asking the question “Is David Allen Capital Legit” so let me put that thought to rest by saying YES, David Allen Capital is 100% legit, don’t worry. Also what about “is David Allen Capital MLM?” No, Not exactly. And I’ll get to the details shortly but first, you have to hear this…

Did you know you can get funding up to $2 MILLION? Insane, right? And in case you’re still wondering “ Is david allen capital a scam”, it’s Not — You’re safe.

Alright, enough waiting, let’s get into the meat and potatoes of this David Allen Capital Review.

David Allen Capital Overview

Summary: David Allen Capital is an incredibly fast “Revenue-Based funding” small business capital company that offers Business Capital, Equipment Financing, Payment Processing, and much more for people who get denied by the big banks every single day.

“Revenue Based Funding” is different from a “Merchant Cash Advance” in which Cash advances are based on your future credit and debit card sales, are more expensive and fluctuate in payments — To not get the two confused. Revenue-based is more traditional and A LOT better!

You can literally get up to $2,000,000 this week, get approved super fast and get your loan within 1–5 business days (I’ll show you the requirements in a second). They also have an up to $25K sector with the “Bank Breezy” program where let’s say you or another business owner makes $5,000+ per month in revenue, you have a business checking account, have 6 months in business with a 450+ credit score, and all industries included — You’re set!

So what David Allen Capital does that’s so unique is offer superior alternative solutions when you can’t get an SBA Loan (or are currently waiting for approval), a PPP Loan, Grant, etc and is here to help small business owners who make less per month and year, here are some of the requirements:

You can have a poor credit score Of 500+ FICO
Be making at least $20,000 per month in sales
Have a business checking account
4+ months in business
Online Banking is setup…

…and get same-day funding with DAC. BUT if you make less than $20,000 per month, and make at least $5,000+ per month then you’ll want to check out Bank Breezy here.

So You can get funding through either program and get funded. If you want to get on with things and get your business loan pre-approval application started with DAC, Click Here.

Rating: 99/100

Recommended: Yes

What Is David Allen Capital?

David Allen Capital is a sub-division in the financial field of the health and wellness program Youngevity where you can get up to $2,000,000 this week of funding for “Revenue-Based Capital”, merchant processing, business healthcare, and business voice and data service.

Whether you’re looking for small business capital, customer financing and payment processing, especially alternative solutions to an SBA Loan, PPP Loan, Grants, etc, you’ll be shown the right courtesy to get funds into your account ASAP…

There’s also a component to it where you can join as a commercial financial agent and help small business owners get funding and get paid handsomely (if that’s what you’d like, click here to see the details and get signed up as A DAC Affiliate) . You get to work from anywhere you want and earn personal commissions with DAILY PAY.

(And no there is no David allen capital scam if you’re still wondering that.)

I’ll get more specifically into the commercial financial agent details later below but for now let’s keep moving with “Why DAC and how David Allen Capital works”

Who Owns David Allen Capital?

Owner of the David Allen Capital company is David Rutz or full name David Allen Rutz. He is the founder and current president at David Allen Capital. If you’d like to see more about him, here’s his LinkedIn profile (click here).

Why David Allen Capital?

Like I mentioned just earlier, David Allen Capital focuses on “Revenue Based Funding” up to $2,000,000 and have a very unparalleled up to $25k program where you can get approved mostly off your monthly revenue.

Other places “may” do this, but how many don’t offer rates, APR’s, and factor rates? Not many. That’s where DAC comes in and they don’t do rates at all, rather than total payback amount. Aside from having the best 50+ lenders too…

They offer a variety of services and get you funding faster than traditional “small business loan programs” ever will.

Going Inside David Allen Capital

With David Allen Capital you’ll get customer financing to drive up your sales and here are the benefits of that:

Payment Processing Improved…

You will be getting the benefits of standard processing PLUS David Allen’s New Cash Discount Processing (no fees).

Here’s the four-step benefit to getting business capital:

Simple and fast. You will receive a decision within 1 day and capital of $10,000 to $2,000,000 as soon as 1–2 business days.
Small business focus. David Allen Capital specializes in small businesses and they work to get you the money you deserve while you can remain focused on your business.
TOP-rated providers. David Allen ONLY represents transparent, top-rated, quick-turnaround providers with over 10 BILLION dollars funded so far. There are over 50 lenders here to help you in your industry.
Use as you choose. Do you need to expand or take advantage of volume discounts? It’s your business and you can decide how it’s used!

Qualification Process

There is a 5 part criteria to getting you approved for funding:

Here are ALL the things you MUST meet:

You’re making $20,000+ in monthly sales within each of the last 3 months
500+ FICO Credit Score
4+ Months in Business
You must have an opened business checking account (Must be in name of your business, not a personal account used for business)
LLC or Corp
You’re not a sole proprietor
Minimal NSFs/Negative Days. No more than 5 NSF or negative days in any of the last 3 months.
Current Loan Consideration: If you have a current capital advance, the amount still owed will be taken into consideration and cause a reduction in your approval amount. More funds (2nd-4th positions) May be available.
NO MCA Defaults

(P.S. If you run a trucking business, you can get from 75%-100% of your monthly revenue, you can learn about all the details in the trucking section here.

The Approval Amount is approximately 1–2x your monthly revenue, Ex: $50,000 monthly revenue = $50,000-$100,000 advance offer.

Listen, YOU can not expect to get $250,000 or some larger number when you’re making $30,000 per month or so, it’s just REALLY unrealistic and no lender does this.

What about interest rates?

We don’t have any (and I’ll speak on this later down below), we calculate on “Total Payback” which is much easier and not complicated like rates are, PLUS, we’re very inexpensive compared to everywhere else.

Your Repayment Amount is 1.19–1.49x your advanced amount. Ex: You receive $60,000 and you pay back between $72,000-$89,500.

These are 4–24 Month Terms with Automatic Daily MICRO Payments (sometimes weekly).

Listen, Daily payments are FAR greater than monthly payments because they reduce your risk of going into default and monthly payments cause more stress having to worry about meeting those monthly deadlines.

PLUS: If you’re “against” daily payments, it shows two things:

You don’t have a well structured and organized business that can be profitable
Your monthly payments are very inconsistent.

Also, as opposed to thinking about “how much” you’ll have to payback, think about the “BENEFIT” of what getting the money and using it for will be, for ex:

If you were a restaurant wanting to expand and you want to create a New patio to hold more customers, and you believe that will double, triple or quadruple your profits, do you think the total payback would really even matter at this point?

Not as much, right?

NOTE: When you go to the DAC page by clicking the button above, you’ll click on the “green” learn more button and then the “green” get qualified button and you’ll see your application.

Trucking Qualifications

If you run a trucking business (or will be), it’s considered “high risk” for lenders because there are many ups and downs, trucks could blow out, leaving you with limited amounts or no vehicles meaning your cash flow suffers…

So they have constraints and a criteria they go by and if you want to get 1–2x advanced of your monthly revenue, then have the following:

$35,000+ Per month in sales within each of the last 3 months, preferably $50,000+
2+ years in business (18+ months is acceptable)

Now if you’re doing $20,000+ per month within each of the last 3 months, we can get you from 75%-100% of your monthly revenue, for ex:

You can range from $15,00-$20,000 if you’re doing at least $20,000+ in the last 3 months consistently, and don’t worry if you feel like that’s not enough, look at it this way…

Let’s say you get $15,000 your first run, then in 45 days you can add another $15,000, then another $15,000 until you reach your desired funding goal. Add-on funds are available, payment history earns you more, early pay discounts/rewards. And I know what you may be thinking…

$15,000 will not buy me a new truck or a trailer, right? However, what if you used that money to repair the truck you have now or for:

Would that help? Would it help you profit and earn more? So you got to look at this way if you’re in the trucking business doing less than $35,000 per month, at least your options are to get:

75%-100% of your monthly revenue WHEN you’re doing at least $20,000+ per month within EACH of the last 3 months and or…
up to 75% of your monthly when you’re doing at least $5,000+ per month and can get same day instant approval with the up to $25,000 Bank Breezy program

For repayment amounts, terms and type of payments, you can refer back to the Repayment amount section up above by clicking here.

Why is it like this for truckers?

Again, it’s considered a “high risk” industry where the lenders know there are ups and downs, sometimes a vehicle blows out, and then you’re left with one truck? None?

So you’re relying on making your income through your trucks and when you don’t have any or are limited, your cash flow will suffer as a result and the lenders DO NOT like and want to see/deal with this.

So whether you meet the $20,000+ per month or $35,000+ per month (preferably $50,000), you can still apply with DAC through their up to $2,000,000 program below OR if you don’t have that and you’d like to apply for the up to $25,000 bank breezy program which I’ll show you more about below, you can click here.

4th Quarter Preferred Client Plan

DAC has a 4th quarter special going on right now where you can get between $25k-$600k with the preferred client plan, here are the details:

Funding Amount up to $600k
Higher Approval Amounts: 1–2x your monthly sales
Longer terms: 9 to 18 months
Required collateral: NONE
Application Fee: NONE
Closing Costs or Origination Fee: NONE
Turnaround time: Same or next day funding!

To qualify for the preferred client plan you must have these:

$35,000+ per month in SALES each of the last 3 months
In business 18 months or longer
Personal FICO credit score above 600
Less than 6 NSFs in the last 30 days
Less than 5 Negative banking days in the last 30 days

Preferred Industries For This Plan…

Construction (Includes all types of construction)
Landscaping
Contractors (includes electric, plumbing, etc.)
Ecommerce
Medical
Accounting (not seasonal)
Manufacturing
Wholesale

Like the regular up to $2,000,000 service, you can sign up on the same page by going through here:

David Allen Capital Vs The Banks

David Allen Capital VS SBA Loans, PPP Loans, Grants, Etc.

When you can’t get an SBA Loan, a PPP Loan, a Grant and any type of government assistance money, David Allen Capital is the RIGHT alternative to these…

And I believe are far better than going into:

Business Term Loans
Merchant Cash Advances

If you went for a business loan term, no matter if it’s short, medium or large, you’re looking at HIGH-interest rates (and yes it depends from person to person), but usually, you’ll ONLY get 10%-30% of your annual gross revenue, for ex:

You make $180,000 per year, and at the lowest you can get $18,000 ($180,000 x 0.1), and at the highest $54,000 ($180,000 x 0.3), but that’s a toss-up because your credit score, business information like income and more will be factored in…

And even at that, if you break it down to months, at the highest, that’s $4,500 you get access to per month ($54,000/12 months), per day it’s $150 and per week it’s $1,050 you get.

We haven’t even factored in the duration of your term and interest rates, so it’s WAY more expensive!

This is why avoiding business term loans and MCA’s are usually going to be the best thing to do, and why DAC is so different because you get 1–2x of your monthly income or up to 75%, depending on which level of service you get.

Pricing Per Dollar And Basic Qualifications

David Allen Capital Rates

I’ve had plenty of people ask “What are the rates?” There are no rates, we don’t talk rates, not because we’re masking anything but because they are very confusing, and instead we calculate on total payback, hear me out.

Let’s say someone had a 4% rate on their mortgage and another person has a 5%, you would think the person with a 4% is cheaper than the 5% but that’s not always the case…

You can always ask how often it compounds, what’s the term, etc, so we talk the total cost of capital. For example:

If you or someone wanted $100,000 in funding, we’ll tell you the total cost to pay that pay like $130,000 to pay back, so your total cost of capital is the difference which is $30,000.

So it’s easier for you, if the benefit of the $30,000 cost in this example is great, then you take it and if it’s not, you don’t. So the rate doesn’t matter, the total cost of capital does.

And because DAC represents the best lending providers, you’ll get the best deal.

How To Get Started

If you’re ready to get funded and receive your decision in minutes, here’s the simple 3 step process:

Pre-Qualification. You will complete the online form by clicking the button below. Your application will be reviewed and then contacted to discuss available options and answer your questions.
Complete Application. When you complete the simple application, it’ll provide the lenders and advance companies with more business, personal and financial details. You’ll submit to David Capital with a few requested documents.
Submit Documents. To verify your application and secure approval, David Capital will request 4 months of bank statements, a copy of your last year’s business tax return, a canceled check, and a copy of your driver’s license.

Ready to get started with Davidallen capital?

Need Up To $25K Funding? Bank Breezy Review

Theirs a “Bank Breezy” process where you can get small business funding from $2,000-$25,000 today through one of the top capital lenders in Bitty Advance and here’s how it works:

With Bank Breezy you can get approximately up to 75% your monthly revenue, for ex:

You make $10,000, so you’ll get up to a $7,500 advanced offer
The repayment amount is 1.19–1.49x your advanced amount (like the DAC up to $2,000,00), for ex: You receive $10,000, then you’ll pay back between $11,900-$14,900.
1.19X if paid in full 30 days
1.29x if paid in full 60 days
1.49x if paid over your full term
4–6 Month terms
Automatically daily payments (sometimes weekly)

NOTE: As I stated in the up to $2,000,000 service, you CAN NOT expect to get like $250,000 if you’re only making $11,000 per month or so. It’s just unrealistic and no lender will hand you that amount of money…This isn’t some grant.

However, you can keep adding funds over time and keep building your way up, keep that in perspective.

DAC Customer Financing

Medical and dental offices
Automotive Repair shops
Home improvement
Jeweler and other retail stores
Vocational and trade schools
Coaching and training seminars
Veterinarian offices
Online and eCommerce sales
Most other industries

Do you want to make sure you select the right lender for your customers? David Capital will help you select the right lender(s) for you and your customers by getting the best lenders in each of these industries:

Increase your average Ticket size by up to 85% and Encourage upgrades/add-ons all together.
Improve your store traffic by over 20% via promotional offers
Increase your sales conversions by making the purchase more affordable

With the David Allen Customer Financing service you can increase your sales while helping your customers get financing like this:

I know what you’re thinking, why DAC Customer’s Financing service and not any other?

Here’s what you get:

Your own private branded page for your customer applications…
Financing from $300-$100,000 and Terms of 1–15 years (pretty sweet stuff here)…
INSTANT Decisions and programs for most all credit levels…
Low cost and super easy setup (start offering financing in as little as 48 hours!)…

Unlike other services where you get one lender or a flood of lenders without much quality, DAC gives you high quality multiple lender offers for the best options for You and Your customers.

How awesome, right?

Your customer answers a few basic questions and agrees to apply and see offers
Your customer is presented with all the loan officers they have qualified for
Your customer selects the offer they prefer most and signs the online agreement
You are funded and the Lender collects payments directly from the consumer.

There’s a 4 step process:

You get to eliminate 95% of your processing fees with the two parts of processing:

What Is Cash Discounting?

Cash Discounting is this specialized program that allows you to provide an incentive to cash buyers whole eliminating almost all of your non-cash processing costs.

With the cash discounting you will be provided signage stating that all of your prices are discounted for cash payment and for customers who choose to pay with a credit card, a noncash adjustment of 4% will be automatically added to the discounted for cash price.

Wide Selection Of Equipment to Choose From…

David Allen Capital has many POS providers and equipment options…many with FREE placement.

Next Day Funding On ALL Your Accounts

With David Allan Capital your weekend sales are deposited Monday morning, you won’t have to wait anymore until Tuesday to get your funds.

Unparalleled Service

David Allen Capital Healthcare

Are you in the market for affordable and quality employer healthcare?

DAC has created a NEW alternative in healthcare that’s shaking up the World, how?

ACA & ERISA Compliant so you don’t have to worry about following the rules and being safe and secure at the end of the day.
No deductibles or Open enrollment restrictions!

Employers and Business owners can now save with the Nation’s Largest PPO Network. They are:

If you’d like to compare plans, find a provider and Get A Quote, click the button below right now.

DAC Telecom

Would you agree that Telecom can be complex?

David Allen Capital erases all the headaches and pains of having to go through it on your own with their DAC Telecom option powered by AppSmart to make the process super easy on you.

Your business will be provided with a one-stop, best offer solution for:

DAC Protect

Do you value privacy with security and would like to keep your Identity protected at ALL times…No matter what?

David Allen Capital has an Identity protection area where you can keep your information private and protected from cyber attacks and hackers.

Business Line Of Credit?

Unfortunately, DAC does not do or focus on Building business lines of credit which isn’t a knockdown.

David Allen Capital Independent Broker Review

Immediate Income Available
PLUS Long-Term Residual Income
You get to market business and consumer services that put your customers in a much better financial situation
NO Experience or License is required!
FREE Training and Agent Resource Center
FREE Websites for You
PLUS, A Team of experts to support YOUR clients

You can become an independent loan brokerage agent with David Allen Capital and by partnering with them you get these benefits:

Here’s more:

David Allen Capital Compensation

If you’re looking to become an Independent broker-agent and sell the David Allen Capital Business funding to small business owners and are asking “ How you make money working for david allen capital”…

For Business Loans, you’re paid daily and is either 3% or 6% of the funded value, but could be as high as 9% with the Matching Override bonuses.
For other services you earn Monthly Residual Income for the life of the customer. There is no limit to the number of clients you can assist to secure capital.
Personally Enrolled Matching Bonuses. If you refer other individuals who become Independent Agents with DAC, you can qualify to earn Matching Bonuses of 25% or 50% of their personal commission. Example:
Team Leadership “OpenLine Match”. If you personally enroll other agents, this will develop your extended agent team. You can qualify to earn OpenLine Leadership Matching Bonuses of 10%-50% on your entire team’s personal commission income.
Leadership Overrides. You can also qualify to receive additional leadership matching overrides as you help team members reach leadership levels in DAC. You can earn as much from 5%-15% of ALL personal commissions earned in your leaderships teams.
Residual Income, Car Allowances, and Other Perks. Upon your qualification, Youngevity International (YGYI) will pay you residual income. Also, you can qualify to receive a car allowance of $300 to $1,000 PER month, and other perks live Revenue Sharing and Top Achieve Club trips.

here’s what you can expect with the David Allen Compensation Plan:

PLUS: You can make 50% of ANYONE you personally enrolls income (Personal commissions) and YOU can make 100% during their first 30 days of their deal, you’re going to make a MASSIVE amount of commissions!

David Allen Capital Training

If you wanted training as a DAC agent, there is a resource training center that’ll more or less look like this:

STEP 1: Getting Started Right Video
STEP 2: Business Capital Training
STEP 3: Comp Plan Videos And Chart

Underneath this you’ll find your training resources such as:

You’ll click through those links and watch your training. If you scroll a little down you’ll see even more:

Business Service Trainings
Marketing Information

So here you’ll get:

STEP 1: Go to the Home page (Click here to go)
STEP 2: Scroll to the footer where you’ll see “Resources”….

There’s a TON of information for social media images, scripts (david allen capital phone script), agents of the month, payment processing information and so much more. To go to the DAC training resource center page, here’s what to do so you find it each time:

I’ll also be giving you extra resources/help on how to get your Leads for Free and Paid most effectively.

Wade Cordell David Allen Capital

Here’s a q & a with David Rutz and Wade Cordell:

David Allen Capital Reviews

Here are some David Allen Capital Customer Reviews on Truspilot

Here are david allen capital employee reviews:

Pretty helpful David Allen Capital Inc Reviews, right?

David Allen Capital BBB rating

David Allen capital inc bbb as you can see is listed and is doing well.

I tried looking for a David Allen Capital Ripoff Report but couldn’t find one by the way.

Here’s what it’s like to work for David Allen Capital according to

David Allen Capital Complaints

So before you see these “complaints” I want you to know they’re not as serious as they are, in fact for the amount of time I’ve not only used DAC but been with them, these complaints below really are unreal, how?

Many people either don’t pay attention to the information they’re given or have a hard time following through and for some reason they complain.

These were like the very few people who had no patience and were troubled for the wrong reasons, not a company or David Rutz problem. PLUS, it wouldn’t surprise me if these complaints came from the competitors of DAC to be honest — It happens where other people bash companies.

How Much Does David Allen Capital Cost?

The cost to get a Loan is just the loan itself…The rest will be paying back your loan.

If you’re looking at the partner opportunity to join, David Allen Capital is Free. However, you will have to spend time looking for clients which is normal and expected as well on other expenses down the line like Marketing and advertising to find other small business owners who will need your services.

You will also have to account for travel expenses and meeting with small business owners to sell the David Allen financial services IF you’re doing things offline, if not you can do it ALL online. Yup, I know — it’s not all 100% online-based.

Who Is David Allen Capital For?

David Allen Capital is made for small business owners who are struggling to get funding from the big banks and any public bank in general and want to get up to $2,000,000 Incredibly fast business capital, equipment financing, and payment processing ALL in one place.

Small business owners who want fast funding like into your bank account as soon as today!
People of all credit level scores (poor to excellent) and want the best chance of getting funding no matter what.
You want to eliminate 95% of your fees so you don’t have to pay extra expenses just for fees that can be very costly.
People who want a very easy streamlined approval process without having to worry about hearing back from lenders and the David Allen Capital team.
Any small business owner who wants an affordable option

Here’s more:

Pros:

Fast Funding today of up to $2,000,000 so you can get your business back on track and in full throttle which means you’ll spend more time focusing on the things inside your business that matter most.
Special Customer Financing with programs for ALL levels of credit including second chance financing for low credit so you can high a higher chance of getting approved which means you’ll always have a way to earn more money!
Improved Payment Processing so you don’t have to worry about eliminating over 95% of your fees which means you’ll get access to your funds much faster and have everything you need all in one kit.
Unparalleled Equipment financing so you can get from $3K-$2M and never have to worry about having the right tools and equipment to power your business forward.
MLM Agent Home Business opportunity to refer small business owners into the program and get compensated for it.

Cons:

Who’s It Not For?

Pros And Cons

There are really no close alternative lending services on the level DAC offers but I do know of another service that also provide lending options:

I’d still go with David Allen Capital because it’s just far superior, has the best lending services and with the low requirements as well no need to deal with complicated rates, you simply get the best. However…

If you don’t meet the qualifications with DAC, you might want to try some of the other options I mentioned just above. With Lendza, as well the others you can get help as a startup and for many more options.

As far as from the “home-business opportunity” side of things go, I’d stick with David Allen Capital but here are a few alternatives:

Above all these, David Allen Capital is your best bet and since it has the top lending providers, it would be great to go with — You can Click here to sign up as a David Allen Capital Partner

But in the case you’re looking for other business model opportunities… There are other ways to make a passive income, promote other peoples products and services, and be able to do it without having to fulfill on inventory, customer support and be “techy”, that’s with Affiliate Marketing.

What I Liked Most About David Allen Capital

There’s A LOT to like about David Allen Capital but if I had to choose just one thing I liked most…

I’d say the amount of funding you can get for your small business of up to $2.000,000. Of course, there is an application process to get funded and to get funded a certain amount but the fact that David Allen Capital is flexible and is willing to work with any circumstance…

And get you approved up to a huge amount is very generous. This way you can keep your business running on full fuel without having to worry about where and when the money will be coming in.

Originally published at https://viralhomebasedpursuit.com on May 27, 2021.