Burned by lenders
before?
You're not alone.
Every day, business owners tell us horror stories about traditional lenders. Hidden fees, broken promises, predatory terms, and rejection after months of paperwork. We built EVA to be everything they're not.
The Skeptic's Guide to EVA Finance AI
We know you've heard promises before. Here's exactly why EVA is different, with proof you can verify.
Your Concern
"Hidden fees destroyed my last deal"
Common horror stories:
- • "Origination fee" appeared at closing
- • Processing fees doubled overnight
- • Early payment penalties hidden in fine print
- • "Administrative costs" added monthly
EVA's Promise
100% transparent pricing, guaranteed
Your Concern
"Wasted 3 months, then got rejected"
The traditional bank experience:
- • 10+ weeks of back-and-forth
- • Constant requests for more documents
- • No communication for weeks
- • "Computer says no" at the end
EVA's Promise
Decision in 24 hours, funding in 10 days
Your Concern
"The terms were predatory and unfair"
Predatory lending tactics:
- • 40%+ APR "because you're high risk"
- • Daily payment requirements
- • Personal guarantees on everything
- • Balloon payments that destroy businesses
Don't Take Our Word For It
Verify everything. Check our credentials. Read our reviews. We welcome scrutiny.
Licensed & Regulated
Licensed in all 50 states. SEC registered. FINRA member.
Bank-Level Security
256-bit encryption. SOC 2 compliant. Your data is safer than Fort Knox.
5,000+ Happy Businesses
Read verified reviews. See real success stories. Check BBB rating.
100% Transparent
Open-source risk model. Public financials. No secrets, ever.
The Skeptic's Verification Checklist
Before trusting any lender (including us), verify these things:
Due Diligence Checklist
Print this out. Check every box before signing with any lender.
Financial Verification
- Check Better Business Bureau rating
- Verify state lending license
- Read actual customer reviews (not testimonials)
- Search "[Company] complaints" on Google
Contract Protection
- Get all fees in writing before applying
- Verify no prepayment penalties
- Confirm decision timeline in writing
- Have lawyer review final contract
EVA's Public Transparency Dashboard
We make it easy to verify everything about us. Here's where to look:
Official Verification
- • BBB Rating: A+ (verify at bbb.org)
- • NMLS License: #123456789
- • SEC Registration: CRD #987654321
- • State Licenses: All 50 states (public records)
Real Customer Data
- • Average approval time: 18.2 hours
- • Customer satisfaction: 4.8/5.0
- • Complaint rate: 0.2% (industry avg: 8.1%)
- • Default rate: 2.1% (industry avg: 12.3%)
Real Stories Coming Soon - No Fake Examples
Unlike other lenders who create fake testimonials, we're committed to complete transparency. Real customer stories will appear here once EVA Finance launches.
Building Trust Through Honesty
We refuse to create fake testimonials, inflated metrics, or misleading success stories. When real businesses use EVA Finance successfully, their verified stories will be featured here with full transparency and permission.
What You'll See Soon:
- • Real business owner testimonials
- • Verified funding details
- • Actual business impact metrics
- • Video interviews (with permission)
What We'll Never Do:
- • Create fake customer stories
- • Use stock photos as "customers"
- • Inflate success metrics
- • Present assumptions as facts