[Blue Clover Financial]

We received this file from one of our ISO's on 3/25, submitted to Empire on 3/26, and it was funded 3/29. (merchant stopped making payments 3 days later, promptly defaulted LOL). We received the commission from Empire next business day after funding, and we promptly paid out our ISO..... We' have over 100 ISO's, and have submitted hundreds of files to Empire in the last few months, and have never been back door'd. We use just about every lender for the tough to fund D and F paper, and these guys will fund anyone with a heartbeat and 3 months of bank....

On a side note, Blue Clover Financial specializes in Commercial Lending, Buy Fix and Flip, AR Financing, Asset Lending, Equipment Leasing, Lines of Credit, and MCA..... If your merchants have commercial property, assets, 700+ credit score, accounts receivables, give me a call, we'll get them done!

John Philbin
Blue Clover Financial
NO BUSINESS LEFT BEHIND!
Phone: (561) 406-9880
Fax: (561) 409-5137

[aredmond]

We received this file from one of our ISO's on 3/25, submitted to Empire on 3/26, and it was funded 3/29. (merchant stopped making payments 3 days later, promptly defaulted LOL). We received the commission from Empire next business day after funding, and we promptly paid out our ISO..... We' have over 100 ISO's, and have submitted hundreds of files to Empire in the last few months, and have never been back door'd. We use just about every lender for the tough to fund D and F paper, and these guys will fund anyone with a heartbeat and 3 months of bank....

On a side note, Blue Clover Financial specializes in Commercial Lending, Buy Fix and Flip, AR Financing, Asset Lending, Equipment Leasing, Lines of Credit, and MCA..... If your merchants have commercial property, assets, 700+ credit score, accounts receivables, give me a call, we'll get them done!

John Philbin
Blue Clover Financial
NO BUSINESS LEFT BEHIND!
Phone: (561) 406-9880
Fax: (561) 409-5137

So you submitted this file to them on a Saturday? Something sounds fishy about this story. You made an account today to come to Empires defense. Hmmmmmm

[Funder Mark]

So you submitted this file to them on a Saturday? Something sounds fishy about this story. You made an account today to come to Empires defense. Hmmmmmm

I guess your not InCredibly impressed...

[AndyYSCISOdept]

I guess your not InCredibly impressed...

Dang! that just happened@!

[aredmond]

I guess your not InCredibly impressed...

Crafty. Have to give credit where credit is due as they say.

[Blue Clover Financial]

We received the file on 3/25, it was submitted 3/28 (not 3/26), and funded next day 3/29.... Empire asked me to defend them by explaining it was my deal from one of our ISO's, and I said no problem. See below:

---------- Forwarded message ----------
From: "Robert Green"
Date: Tue, Mar 29, 2016 at 9:43 AM -0700
Subject: PRECISION MEASURE LLC
To: "Empire Funding"
Cc: "John Philbin"



Pay him


DATE: 3/29/2016
DEAL NAME: PRECISION MEASURE LLC
FUNDED AMOUNT: $7,000
ISO PAYOUT: 7%
PSF: $200
COMMISSION:$490
TOTAL: $690
ISO NAME: john blue clover

[bizfundingfinder]

[QUOTE=Blue Clover Financial;46799]We received the file on 3/25, it was submitted 3/28 (not 3/26), and funded next day 3/29.... Empire asked me to defend them by explaining it was my deal from one of our ISO's, and I said no problem. See below:

We submitted the file on 3/27 (see original post). You admittedly submitted it on 3/28. We should have been protected on this submission. When you submitted it a day later, Empire should have notified you that the file had already been submitted by another ISO. That fact that we never received the approval or any reply whatsoever, while the deal was allowed to be submitted after us and closed up by another ISO (assuming all of this is even true in the first place) is inexcusable. And then for us to have submitted 11 more files and receive no response is also fishy.

I appreciate your post because you helped prove my point. None of this is your fault by the way. Presumably you had no knowledge that we had submitted the file before you.

Everybody is right that it's a tiny deal and nothing to cry over. But the size of the deal shouldn't matter when it comes to polices, procedures and ethics. Funders shouldn't backdoor deals regardless of size. And if you're a submissions-driven company, you should have your **** together and be able to manage correspondence and deal flow with promptness and professionalism. Don't tell an ISO that you're email wasn't working for a month, because even if that's true, it kind of makes you look worse than if you just said you stole the deals.

Last but not least, I don't think you should have posted the merchant's name. I get that you were trying to prove what happened, but you could have PMd it to me. I masked any personally-identifiable information from my original post. Now this thread connects his company name to an excerpt from his bank statement on a public form. I am going to edit my post to remove the images (if I can even do that) and I would suggest you do the same with the company name, now that everybody has made their points.

[mcaguru]

We received this file from one of our ISO's on 3/25, submitted to Empire on 3/26, and it was funded 3/29. (merchant stopped making payments 3 days later, promptly defaulted LOL). We received the commission from Empire next business day after funding, and we promptly paid out our ISO..... We' have over 100 ISO's, and have submitted hundreds of files to Empire in the last few months, and have never been back door'd. We use just about every lender for the tough to fund D and F paper, and these guys will fund anyone with a heartbeat and 3 months of bank....



On a side note, Blue Clover Financial specializes in Commercial Lending, Buy Fix and Flip, AR Financing, Asset Lending, Equipment Leasing, Lines of Credit, and MCA..... If your merchants have commercial property, assets, 700+ credit score, accounts receivables, give me a call, we'll get them done!

John Philbin
Blue Clover Financial
NO BUSINESS LEFT BEHIND!
Phone: (561) 406-9880
Fax: (561) 409-5137

John Philbin is as straight and honest as they come, have 1 conversation and you will know exactly what i mean, and i am saying this knowing that he could have sent us more of those deals for us to fund!! but facts are facts and John is the real deal.

my comment was only because someone said Johns story seems fishy otherwise i have no sides on this matter.