MLM & Direct Sales
Direct Sales Is a Distribution Model, Not a Verdict
Multi-level and direct-sales companies get declined at the business-model line of the application, before an underwriter looks at products, retention, or refund history. We build files that make the underwriter keep reading.
The Problem
Comp-plan structure and income claims drive the declines
Acquirers scrutinize MLM for the questions regulators ask: whether revenue comes from genuine retail sales and whether income representations to recruits can be substantiated. Distributor churn produces refund and chargeback activity that compounds the concern, and enrollment-kit billing draws particular attention. Most processors resolve the uncertainty by declining the category outright.
What We Deliver
The working parts
01
Comp-plan and retail-sales presentation
We present your compensation structure and retail sales evidence in the frame underwriters use to distinguish product companies from recruitment schemes.
02
Income-claims review
A pre-underwriting audit of earnings representations across your marketing and distributor materials, the area of sharpest FTC and acquirer scrutiny.
03
Refund and buyback documentation
Your inventory buyback and refund policies documented in the file, turning a perceived liability into evidence of consumer protection.
04
Distributor and customer billing separated
Enrollment, autoship, and retail purchases structured and coded so each billing stream is underwritten for what it is.
05
Placement with direct-sales-literate banks
We board MLM and direct-sales companies with acquirers that have underwritten the model before and evaluate it case by case.
Also in High-Risk Expertise
Send one statement. Get a straight answer.
We'll separate interchange from markup, show you what's negotiable, and put a recommendation in writing — whether or not you sign with us.
No exclusivity · No pressure · A written analysis either way