I saw this website a year or so ago and recently saw it again. I thought, wow they really have been around for a long time. I know my credit isnt great but they offer lots of different services.... So I email and didnt hear back. I thought well, maybe they are just busy so I called. The person that answered the phone sounded drunk. I said what I wanted and he asked about my credit. I told him it wasnt great and he said "there is no such thing as no personal guarantee. Hate to burst your fu**ing bubble" and hung up on me! I was really disappointed because I thought I found a company that would finally help me get my dream business off the ground, but the guy wont even talk to you! So I guess if you have perfect credit you are good to go, the rest of us get hung up on! Oh and they do offer credit repair, but apparently he was not interested in selling that today. Probably not a scam, but just super rude and apparently dont need the business.