KLN Consulting

Business Growth & Credit Accelerator™
Program Agreement

Business Credit • Bankability • Growth • Funding Readiness Agreement

This Agreement (“Agreement”) is entered into between KLN Consulting, a division of CDW Consulting LLC (“Company”) and the client (“Client”) enrolling in the Business Growth & Credit Accelerator™ Program. By enrolling and submitting payment, the Client agrees to the terms outlined below.

Services Provided

KLN Consulting provides business consulting, business credit education, business credit strategy, bankability analysis, financial organization guidance, growth strategy, and funding-readiness consulting services.

The Business Growth & Credit Accelerator™ Program is designed for established business owners who already have a business foundation and want to strengthen their company, establish or improve business credit, improve financial organization, increase bankability, and prepare for future growth and financing opportunities.

Important: KLN Consulting does not guarantee any specific outcomes, including business credit score increases, vendor approvals, tradeline reporting, financing approvals, funding amounts, revenue increases, or specific timelines. All final decisions are made solely by the applicable credit bureaus, creditors, vendors, lenders, or financial institutions.

The Company provides guidance, education, consulting, and strategic recommendations based on best practices and the Client's current business profile.

Client onboarding and business assessment
Thorough review of Client-provided business documents
Business health and bankability review
Business structure and information review
NAICS/SIC and business classification review
Business credibility, website, and online presence review
Business banking review and business bureau profile guidance
Business credit audit and strategy
D&B, Experian Business, and Equifax Business guidance
Existing vendor and tradeline review
Vendor and Net-30 strategy guidance
Business credit utilization education and credit-tier progression
Revenue and financial organization review
Cash-flow and expense organization guidance
Bank-statement readiness and debt-obligation review
Business growth planning
Funding-readiness assessment
Personal credit review as it relates to potential business financing, when applicable
Lending and financing education
Customized 30/60/90-day growth roadmap
Strategy sessions, educational resources, and program support

Program Investment & Payment

The total investment for the Business Growth & Credit Accelerator™ Program is $1,797.

Paid In Full

Investment: $1,797

Payment Plan

Down Payment: $597

Then: 4 Payments of $300

By selecting the payment plan and submitting payment, the Client authorizes KLN Consulting to charge the specified payment method according to the agreed payment schedule until the program balance has been paid in full, unless otherwise required by applicable law.

Funding Success Fee

In addition to the program investment described above, the Client agrees to pay KLN Consulting a Funding Success Fee equal to ten percent (10%) of the total gross amount of funding successfully obtained by the Client through a funding opportunity or financing transaction for which KLN Consulting provided funding preparation, consulting, strategy, application support, lender introduction, or other related services, as applicable.

The Funding Success Fee is only due if the Client is successfully funded and receives the approved funds. For purposes of this Agreement, funding is considered successful when funds are disbursed or otherwise made available to the Client or the Client's business.

The Funding Success Fee is separate from the investment for the Business Growth & Credit Accelerator™ Program and is calculated as 10% of the total funded amount.

The Client agrees to notify KLN Consulting promptly upon receiving funding and to provide reasonable documentation confirming the funded amount when requested.

Example: If the Client receives $50,000 in funding, the Funding Success Fee would be $5,000.

The Client understands that financing eligibility, approval, funding amounts, rates, terms, and final lending decisions are determined solely by the applicable lender or financial institution and are not guaranteed by KLN Consulting.

Required Client Onboarding & Document Review

Client acknowledges that participation in the Business Growth & Credit Accelerator™ Program requires completion of the Company's onboarding and business review process.

The Company will review the available information and documents to identify potential missing or incomplete documentation, inconsistent business information, business credit gaps, bankability concerns, financial organization issues, funding-readiness weaknesses, and opportunities for business growth and improvement.

The Client understands that the Company's recommendations are based on the information and documentation provided. Delays in submitting requested information or documents may delay the Company's review or the Client's progress through the program.

Documents May Include

Onboarding Forms & Service Agreement Business Formation Documents EIN & Licensing Information Business Banking & Bank Statements Revenue Information Existing Debt / Financing Information Business Credit Information Vendor / Tradeline Information Financial Documents Funding Goals & Objectives

No Refund Policy

Fees for consulting services, assessments or audits, document reviews, administrative work, educational resources, strategy sessions, customized plans, professional recommendations, and services already rendered are non-refundable, except where otherwise required by applicable law.

Requests regarding future services not yet provided may be reviewed on a case-by-case basis at KLN Consulting's discretion.

Missed / Failed Payments

In the event of a missed or failed payment, services may be paused until payment is received.

The Company reserves the right to suspend access to consulting, strategy sessions, program resources, account support, document review, progress tracking, or other program services until payments are current.

Any delay caused by missed or failed payments may affect the Client's program timeline.

Client Responsibilities

The Client agrees to:

✔ Provide accurate business, personal, and financial information

✔ Respond to requests promptly

✔ Complete required onboarding documents

✔ Provide requested business/financial/credit documents

✔ Participate in scheduled consultations

✔ Complete recommended action items

✔ Notify the Company of material changes to their business or financial situation

Cancellation Policy

The Client may cancel the program by providing written notice to KLN Consulting.

If the Client is enrolled in a payment arrangement, cancellation of future services and future scheduled payments will be handled in accordance with the agreed payment terms and applicable law.

Where applicable, the Client may have a three (3) business day right to cancel this Agreement after signing.

Cancellation does not entitle the Client to a refund for prior payments covering consulting, assessments or audits, document reviews, strategy sessions, administrative work, customized recommendations, educational resources, or other services already rendered.

Chargeback Protection

The Client agrees to contact KLN Consulting regarding any billing concerns before initiating a chargeback or payment dispute.

If a chargeback is filed for services already rendered, KLN Consulting reserves the right to provide documentation of services performed and contest the dispute and pursue any remedies available under this Agreement and applicable law.

Nothing in this section is intended to limit any rights the Client may have under applicable law.

Confidentiality & Privacy

All Client information is kept strictly confidential and will be used solely for the purpose of providing services under this Agreement.

KLN Consulting maintains reasonable administrative, technical, and physical safeguards designed to protect personal, business, credit, and financial information from unauthorized access, disclosure, alteration, or destruction.

Legal & Compliance

Services are educational, advisory, strategic, and consultative in nature.

KLN Consulting does not guarantee business credit score increases, vendor or tradeline approvals, credit reporting by vendors or creditors, financing approval, specific funding amounts, interest rates or repayment terms, business revenue or growth, bankability improvements, or specific timelines or results.

Business financing is a separate service and process. Financing eligibility, approval, amounts, rates, and terms are determined solely by individual lenders, creditors, or financial institutions and are not guaranteed by KLN Consulting.

This Agreement is governed by the laws of the State of Delaware, subject to applicable federal and state consumer protection laws.

Communication Consent

The Client consents to receive account updates, document requests, program updates, billing notifications, appointment reminders, and communications related to services provided via SMS, email, or phone.

This consent applies to notifications regarding the Client's program, service updates, administrative messages, requested documents, strategy sessions, and billing matters.

Acknowledgment

By enrolling and submitting payment, the Client confirms:

They have read, understood, and agreed to this Agreement
They understand the nature and scope of the Business Growth & Credit Accelerator™ Program
They understand that specific results, business credit approvals, and financing approvals are not guaranteed
They agree to provide accurate information and requested documentation
They acknowledge receipt of KLN Consulting's applicable Privacy Policy and cancellation policy
They authorize payment according to their selected payment option
They agree to the communication consent terms

The Client Acknowledges, Affirms, and Agrees That

By enrolling and submitting payment, the Client confirms they are receiving professional consulting services from KLN Consulting, a division of CDW Consulting LLC (the “Company”).

The Client acknowledges that these consultation and professional services represent valuable consideration under this Agreement.

The Client understands that services may be provided through direct consultations, telephone or virtual meetings, communications, business and document reviews, research, analysis, strategy development, administrative work, educational resources, and other professional services performed by the Company.

The Client acknowledges that any consultation, onboarding, business audit, document review, credit review, strategy session, recommendation, analysis, or other professional service already completed by the Company constitutes a service rendered under this Agreement.

The Client agrees that any fees paid are in consideration of the Company's professional time, expertise, consultation, business and financial analysis, business credit analysis, document review, strategy development, recommendations, and administrative and support services.

The Client acknowledges receipt of any consulting and professional services already provided and understands that future services under the program will be provided in accordance with the Client's selected package, participation, payment status, and the terms of this Agreement.

Services Rendered May Include

Initial consultation
Client onboarding
Business audit and assessment
Review of Client-provided business, financial, banking, and credit-related documents
Business health and bankability review
Business credit analysis and strategy
Financial organization guidance
Funding-readiness review
Growth strategy
Strategy sessions
Communications and client support
Professional recommendations
Customized action plans and growth roadmaps
Guidance and related consulting services provided by the Company

Client Acknowledgement

By enrolling and submitting payment, I acknowledge that I have read and understood this Business Growth & Credit Accelerator™ Program Agreement.

I agree to the terms outlined above, including the program investment, the Funding Success Fee, the no-refund policy, and my responsibilities as a Client.

Business Growth & Credit Accelerator™Program Agreement