Introduction
We are a revolutionary company dedicated to empowering entrepreneur-driven individuals by transforming their financial landscape and mindset.
At Shift Your Paradigm, we understand that running a successful business requires more than just a solid idea;
it demands financial stability and a powerful perspective. Our inspiration stems from a genuine desire to assist our loyal clients in improving their credit, equipping them with essential business advice, and providing a range of services including business formation, funding, credit tradelines, and much more.
How We Can Help
Educational Services:
We offer free information here.
Financial Coaching:
Preparing you and your business for funding and financial freedom.
Funding:
We assist you to obtain funding for your business.
Testimonials
Sarim Aun
Shift Your Paradigm changed my money mindset. Stability, sustainability, and changing lives for the better.
Toya Scipio
Fabray Turner is the nicest & most helpful guy i've met in a long time very professional, wish I met him years ago! 5 star service always.
John doe
Shift Your Paradigm is a positive mindset shift in finance. Making a difference, not just transactions.
Frequently Asked Questions
If I choose a payment plan, will I need to pay in full before the process begins?
Not at all, even with a payment plan you can start using the full program right away.
How long does it take to obtain funding?
On average, most customers with a completed profile receive their funding within the first 30-45 days. For Performance Based clients, this process could be between 15-30 days.
Is SYP membership a training course or will you actually do the work?
The SYP team takes care of most services for our clients, except for credit improvement requests, inquiries removal and any vendor led workshop services. All you have to do is wait for the cards to arrive in the mail if you participate in Business Funding! SYP will assist you with inquiries removal and/or credit improvement for an additional fee to qualify for Business Funding.
What are the monthly payment requirements for business accounts?
The monthly payments are 1% of the balance. So if you use $20,000 at 0% interest, your monthly payment will be only $200. SYP recommends making a 2-3x minimum payment on acquired accounts so your business can build a strong relationship with lenders.
How long is the SYP Membership period?
SYP Membership period is an annual plan that covers 12-months from the initial enrollment date.
Do you know how much funding I will obtain?
SYP cannot guarantee an exact amount for the total membership or for each funding cycle. In most cases, customers receive between $20,000 and $50,000 in the first funding round, and up to $175,000 to $250,000 prior to their membership ending. The amount of funding obtained is based on the creditworthiness of individuals and businesses. SYP will guide you to put you in the best position to receive the highest possible funding amount.
How does high personal debt impact my ability to obtain funding?
SYP will give you all the options to split your debt among other accounts, use different loans to manage your debt, and help you get a personal or business consolidation loan. To obtain a consolidation loan, proof of personal and/or business income is required. We recommend keeping personal revolving accounts at 30% or less of the credit limit. SYP will recommend reducing your company's revolving account to 40% or less before each signup round.
Is SYP suitable for start-ups? Should I start a company before I enroll in the program?
Yes, SYP is open to all companies and investors. However, we can refer you to our sister company Turner & Associates to set up your business from inception to completion
How do I obtain my credit score?
We will retrieve your tri-merged credit report and complete a full credit review during your consultation with a Financial Coach.
Will the business accounts/cards report on my personal credit report?
Capital One and Discover are two business credit lenders that report on personal credit reports. The SYP team will not use them for business credit. Our job is to know which lenders to use and which lenders to avoid. Any business credit we obtain WILL NOT be reported or affect your personal credit unless you wish to pursue said accounts.
What if I have a less than favorable credit, is funding still available?
SYP offers personal coaching to get your credit score as high as possible. Additionally, SYP has a credit improvement service and recommends this separate service. While your credit is being repaired, the SYP team can work on other credit-building strategies such as business credit and setting up a limited liability company and/or sole proprietorship.
What happens if I do not receive any funding?
SYP offers a 60-day money-back guarantee that includes a full refund, minus a 4% processing fee. If we are unable to receive the credit within the first 60 days, you will receive a refund. Please refer to the Terms of Service for the full 60-Day Money-Back Guarantee Policy.
I am currently working on a new mortgage/refinancing a current loan, will SYP affect the process?
We don’t want to hurt your chances of obtaining any loans you are currently seeking. Before applying for business funding, we recommend completing any mortgage or refinance processes, since these inquiries can impact your loan amount. SYP helps clients in these situations all the time by helping them create an LLC and guiding them through the DIY Corporate Credit program while they are working on the mortgage, refinance, auto loan, etc.
Is there a difference between Corporate Credit and Business Credit?
Business credit is based solely on the business and is not tied to the owner. In other words, corporate credit is not personally guaranteed. Most business loans are Net 30 or Net 60 charged, which means you'll buy a product or merchandise and then pay off the balance within 30 or 60 days, depending on the terms of the lender. Business loans in the form of credit cards are personally guaranteed but also have higher limits and allow users to use credit in more ways. Both forms of credit are great ways to establish business credit that allows banks to lend at a higher limit with a lower interest rate.
1601 Providence Park Hoover, AL 35242
© 2024 by Shift Your Paradigm
1601 Providence Park Hoover, AL 35242
© 2024 by Shift Your Paradigm