Well this convo took a sharp turn....In the defense of the noob, Funding Circle actually offers 2 different tiers of commission. One that does not allow for back end fees and one that does. Benefit of the doubt to Nick, perhaps he is signed up for the latter. However, that whole offering up 10% to run the fee for you is incredibly unethical and most likely illegal (though I'm not an attorney.) Listen to Amanda, do things the right way (time consuming and difficult as they may be) and you will find long term success. Learning the hard way tends to be initiation in this industry. Good luck.