Realbusinesssolutions.ai Review

Based on checking the website Realbusinesssolutions.ai, it appears to offer financial consulting services aimed at helping small businesses secure funding.

The site highlights features such as collateral-free options, startup-friendly solutions, and a “pay only after getting paid” policy, which aims to reduce upfront risk for clients.

However, a deeper dive into the offerings reveals significant concerns regarding Shariah compliance due to the explicit mention of interest-bearing loans APR and lines of credit, which fall under the category of Riba.

Here’s an overall review summary:

• Service Offered: Business funding consulting.
• Target Audience: US small businesses, including startups and those with low revenue.
• Key Selling Points: Up to $5,000,000 in funding, 0% APR for 12-21 months, collateral-free options, no upfront fees, “pay only after getting paid” policy.
• Shariah Compliance: Highly Non-Compliant. The explicit mention of APR Annual Percentage Rate and lines of credit with interest, even introductory 0% APRs, inherently involves Riba interest, which is strictly forbidden in Islam. While they emphasize “no upfront fees” and “pay only after getting paid,” this does not negate the underlying interest-based nature of the financial products they facilitate.
• Transparency: Provides some detail on funding types SBA loans, revenue-based funding, lines of credit but lacks specific Shariah-compliant alternatives.
• Customer Testimonials: Several positive testimonials are featured.
• Website Design: Clean, professional, and user-friendly.

The detailed explanation reveals that while the website emphasizes a customer-centric approach and risk reduction through its “no funding, no pay” policy, the fundamental problem lies in the nature of the funding they facilitate.

The mention of “0% introductory APR for 12-21 months” and “lines of credit at 12% APR” and “Prime + 0%” clearly indicates interest-bearing financial products.

In Islamic finance, Riba is prohibited regardless of the rate or the initial “0% APR” period, as interest is still accumulated and paid on the principal amount.

This makes their services inherently problematic from an Islamic perspective.

Business owners seeking funding should prioritize Shariah-compliant alternatives that rely on ethical profit-sharing models, legitimate trade, or asset-backed financing, rather than interest.

Best Ethical Alternatives for Business Funding & Consulting:

1. LaunchGood
   • Key Features: Global crowdfunding platform primarily for Muslim causes and businesses, often utilizes donation-based or equity-based models.
   • Price: Platform fees apply to successful campaigns typically 5-7%.
   • Pros: Shariah-compliant, supports community-driven projects, provides global reach for fundraising.
   • Cons: Not suitable for all business types, success depends on campaign virality and donor base.
2. Amanah Finance
   • Key Features: Offers Shariah-compliant residential and commercial financing based on Murabaha cost-plus financing and Ijarah leasing principles.
   • Price: Profit rates competitive with conventional interest rates but structured ethically.
   • Pros: Fully Shariah-compliant, clear and transparent financing structures, caters to various property types.
   • Cons: Limited to property financing, may have stricter eligibility criteria than conventional lenders.
3. Guidance Residential
   • Key Features: Provides Shariah-compliant home financing solutions using the Declining Balance Co-ownership Program Musharakah Mutanaqisah.
   • Price: Profit rates are transparently communicated, often comparable to conventional mortgage rates.
   • Pros: Well-established and reputable, entirely Shariah-compliant, offers peace of mind for Muslim homeowners.
   • Cons: Specifically for residential properties, not directly for business operational funding.
4. Islamic Relief USA
   • Key Features: While primarily a charity, they sometimes have programs or partnerships that support small business development, especially for vulnerable communities, often through grants or interest-free micro-loans Qard Hassan.
   • Price: Varies by program. grants are free, Qard Hassan is interest-free.
   • Pros: Shariah-compliant, focuses on ethical development, community-oriented.
   • Cons: Not a primary business lender, limited scope for larger commercial ventures, programs may be seasonal.
5. Microfinance Institutions Specializing in Qard Hassan
   • Key Features: Provides interest-free loans Qard Hassan often to small businesses or individuals in need, focusing on social impact over profit.
   • Price: 0% interest, only principal repayment is required.
   • Pros: Fully Shariah-compliant, promotes economic empowerment, no debt burden from interest.
   • Cons: Often smaller loan amounts, stricter eligibility, may be harder to find mainstream institutions offering pure Qard Hassan for businesses.
6. Kiva
   • Key Features: A non-profit organization allowing people to lend money via the internet to low-income entrepreneurs and students. While not exclusively Islamic, many projects align with ethical finance principles, and interest-free options are available.
   • Price: Lenders earn no interest. borrowers may or may not pay interest depending on the local field partner.
   • Pros: Supports micro-entrepreneurship globally, can be Shariah-compliant if projects are carefully selected and no interest is charged to borrowers.
   • Cons: Not exclusively Shariah-compliant. requires careful selection of projects to ensure no interest is involved.
7. Patronicity
   • Key Features: A crowdfunding platform focused on community-based projects and small businesses, often in partnership with local governments or organizations. Can be used for Shariah-compliant business models.
   • Price: Fees vary by project and partnership.
   • Pros: Community-focused, can fund ethical businesses, often has matching grants available.
   • Cons: Not exclusively Shariah-compliant. requires careful structuring to ensure compliance.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Realbusinesssolutions.ai Review & First Look

Based on a thorough review of Realbusinesssolutions.ai, the website presents itself as a consulting firm dedicated to assisting small businesses in securing various forms of funding.

The initial impression is that of a professional and user-friendly platform, emphasizing customer success and a low-risk approach with its “pay only after getting paid” policy.

This strategy aims to build trust and mitigate upfront financial burden for businesses seeking capital.

They highlight their expertise in navigating the complex world of business finance, promising tailored solutions and a deep understanding of the challenges faced by small business owners.

Initial Impressions of the Service Model

The service model is framed around a consulting approach: first, assessing the business’s financial health, then developing a customized strategy, educating the client, executing the funding plan, and finally, providing ongoing guidance.

This structured process suggests a comprehensive support system for clients.

The website prominently displays testimonials from seemingly satisfied customers who laud the company’s transparency and effectiveness in securing much-needed capital, particularly highlighting the no-upfront-fee policy.

The Elephant in the Room: Riba Interest

Despite the positive framing, a critical examination from an ethical and Shariah-compliant standpoint reveals a significant and undeniable issue: the explicit promotion and facilitation of interest-based financial products.

The website states, “From SBA loans, to fast revenue-based funding, to $20,000,000 lines of credit at 12% APR, we have options for you.

Ask us about our Syndicated Line of Credit: 0% introductory APR for 12-21 months BLOCs and ongoing evergreen BLOCs with rates starting from Prime + 0%.” This language directly refers to Annual Percentage Rate APR and interest rates, which are synonymous with Riba. Hostiger.com Review

Riba, or interest, is strictly prohibited in Islam.

This prohibition is not merely a preference but a fundamental principle rooted in divine injunctions.

It is seen as an exploitative practice that creates wealth without genuine productive effort, leading to economic injustice and inequality.

Therefore, any service that facilitates or promotes interest-bearing transactions, regardless of the perceived benefits or initial “0% APR” periods, is deemed impermissible.

The long-term implications of engaging in Riba include not only spiritual consequences but also economic instability and a deviation from the principles of ethical wealth creation and distribution.

Realbusinesssolutions.ai Pros & Cons

When evaluating Realbusinesssolutions.ai, it’s crucial to look beyond the surface and consider both the stated benefits and the underlying ethical concerns.

From a conventional business perspective, certain aspects might seem advantageous, particularly for those unfamiliar with or not bound by Islamic financial principles.

However, for a Shariah-conscious individual or business, the cons far outweigh any perceived pros.

Perceived Advantages from a conventional lens

• No Upfront Fees: The “No upfront fees. No Funding? You don’t pay. It’s that simple.” policy is a strong selling point for many small businesses. It significantly reduces the initial financial risk for businesses exploring funding options, as they only incur costs once they have successfully secured capital. This can be particularly appealing for startups or businesses with limited cash flow.
• Access to Diverse Funding Types: The website mentions assisting with “virtually any type of funding,” including SBA loans, revenue-based funding, and large lines of credit. This broad access could be beneficial for businesses seeking various capital structures, from short-term operational needs to long-term expansion projects.
• Tailored Consulting: The promise of customized strategies, one-on-one connections, and expert guidance implies a personalized approach to business funding. This hands-on support could be valuable for business owners who lack expertise in financial navigation.
• Potential for Large Funding Amounts: With options up to $5,000,000 and even $20,000,000 lines of credit, Realbusinesssolutions.ai seemingly caters to businesses with significant capital requirements.
• Fast Funding: The possibility of receiving funding in “as little as 24 hours” for certain options is attractive for businesses facing urgent cash flow needs.

Significant Disadvantages especially from an Islamic perspective

• Involvement with Riba Interest: This is the most critical drawback. The explicit mention of “0% introductory APR,” “12% APR,” and “Prime + 0%” for lines of credit unequivocally indicates that the funding solutions facilitated involve interest. Riba is fundamentally prohibited in Islam, making any engagement with such services impermissible for Muslims. The website’s entire business model, by connecting clients to interest-based lenders, operates in a domain that is ethically compromised according to Islamic principles.
• Ethical Concerns Beyond Riba: While Riba is the primary concern, the inherent risks associated with debt-based financing, even without considering the interest aspect, can be problematic. Businesses can become overly leveraged, leading to financial distress if revenue streams falter. Islamic finance emphasizes risk-sharing and ethical partnerships rather than debt accumulation.
• Lack of Shariah-Compliant Alternatives: The website does not offer or even mention Shariah-compliant financing options. This indicates a narrow focus on conventional financial products, which alienates a significant segment of the business community seeking ethical funding.
• Potential for Misleading Simplicity: While the “Business Funding Simplified Assessment” sounds appealing, the complexities of interest-based debt can be substantial, and simply facilitating access does not remove the long-term burden or ethical implications for the borrower.
• Focus on Credit Score: The reliance on factors like FICO score 700+ FICO mentioned for some options for funding eligibility can exclude viable businesses that do not meet conventional credit criteria, but might be excellent candidates for equity or profit-sharing models.

In summary, while Realbusinesssolutions.ai might appear to offer practical solutions for those unconcerned with ethical financial guidelines, its core offering of interest-bearing loans and lines of credit renders it unsuitable and impermissible for Muslim business owners and anyone seeking truly ethical financial practices.

Realbusinesssolutions.ai Alternatives

Given the fundamental issues with Realbusinesssolutions.ai’s reliance on interest-bearing financial products, it’s crucial to explore ethical and Shariah-compliant alternatives for business funding and consulting. Virtualemployee.com Review

The good news is that the Islamic finance industry is growing, offering viable and morally sound options for entrepreneurs.

These alternatives focus on risk-sharing, asset-backed transactions, and legitimate trade, aligning with Islamic principles of justice and equity.

Islamic Financing Institutions

• American Finance House LARIBA: A pioneer in Islamic financing in the US, LARIBA offers Shariah-compliant alternatives for business and real estate financing. Their models are based on Murabaha cost-plus sale, Musharakah partnership, and Ijarah leasing, avoiding interest entirely.

  • How it works: Instead of a loan, LARIBA might purchase an asset e.g., equipment, property and then sell it to the business at a higher, pre-agreed price, payable in installments Murabaha. Or they might enter into a profit-sharing partnership Musharakah for a specific project.
  • Pros: Fully Shariah-compliant, established reputation, offers various financing structures to fit different business needs.
  • Cons: Application processes can be detailed, may require specific collateral or business structures.

• Devon Bank Islamic Financing Division: One of the few mainstream banks in the US to offer a dedicated Islamic financing division. They provide Shariah-compliant commercial real estate financing and business lines of credit based on ethical principles.

  • How it works: Similar to LARIBA, they use Murabaha or Ijarah for asset financing. For business lines of credit, they structure it in a way that avoids interest, often through a profit-sharing or fee-based model on actual transactions, though it’s crucial to verify the exact structure to ensure full compliance.
  • Pros: Backed by a regulated bank, offers a sense of security and accessibility.
  • Cons: Limited range of products compared to conventional banks, eligibility criteria can be strict.

Ethical Crowdfunding Platforms

• Ethis: A global ethical crowdfunding platform that focuses on real estate and impact investment, often adhering to Islamic finance principles. While not exclusively for small business operational funding, it can be a source for specific projects or asset acquisition.

  • How it works: Investors contribute capital for a share in profits or rental income, adhering to Shariah principles.
  • Pros: Shariah-compliant, focuses on ethical and impact investing, provides an alternative to conventional loans.
  • Cons: Not tailored for general business working capital, project-specific, requires a compelling investment case.

• Seedrs / Crowdcube with careful selection: While not exclusively Islamic, these equity crowdfunding platforms allow businesses to raise capital by selling shares in their company. If the business model itself is ethical and compliant, this can be a Shariah-compliant way to raise funds, as it’s based on profit-and-loss sharing equity rather than debt with interest.

  • How it works: Businesses pitch their ideas, and investors buy equity stakes.
  • Pros: True risk-sharing, no debt burden, can attract a large number of small investors.
  • Cons: Dilutes ownership, requires strong marketing and a compelling business plan, not all businesses are suitable for equity crowdfunding. Crucially, investors and businesses must ensure the underlying business activities and structure remain Shariah-compliant.

Venture Capital and Private Equity Shariah-Compliant Focus

• Specific Islamic VC Funds: A growing number of venture capital and private equity funds are emerging that specifically target Shariah-compliant businesses or structure their investments to adhere to Islamic principles. These funds invest directly into businesses in exchange for equity, sharing both the risk and reward.
  • How it works: Funds provide capital in exchange for ownership stakes, typically looking for high-growth potential.
  • Pros: Significant capital injection, strategic guidance from experienced investors, fully Shariah-compliant.
  • Cons: Highly selective, long due diligence processes, requires giving up a portion of ownership.

Qard Hassan Interest-Free Loans Initiatives

• Community-Based Funds and Non-Profits: Many Muslim communities and non-profit organizations offer Qard Hassan, which are interest-free loans, to individuals and small businesses. These are often driven by social welfare objectives.
  • How it works: A loan is given where only the principal amount needs to be repaid.
  • Pros: Fully Shariah-compliant, no burden of interest, supports community development.
  • Cons: Typically smaller amounts, limited availability, might require strong social ties within the community.

Choosing the right alternative requires due diligence and a clear understanding of your business needs, but prioritizing Shariah compliance ensures not only ethical conduct but also long-term blessings and sustainable growth, far beyond the temporary gains of interest-based transactions.

How to Cancel Realbusinesssolutions.ai Subscription

As Realbusinesssolutions.ai operates as a consulting service that facilitates funding rather than a subscription-based product with a recurring monthly fee, the concept of “canceling a subscription” doesn’t directly apply in the traditional sense.

Instead, the focus is on discontinuing their consulting engagement or withdrawing from their service before a financial transaction like securing funding is finalized and their “pay only after getting paid” policy is triggered.

Understanding Their Service Model

Realbusinesssolutions.ai emphasizes a results-based payment model: “No upfront fees. No Funding? You don’t pay. Wooterapparel.com Review

It’s that simple.” This means that clients are generally not billed until they successfully receive funding through the solutions facilitated by Real Business Solutions.

Therefore, if you haven’t yet secured funding through their efforts, there might not be a “subscription” to cancel or a direct payment to stop.

Steps to Discontinue Engagement or Withdraw

1. Direct Communication is Key: The most straightforward approach is to directly communicate your intention to discontinue their services.
   • Phone Call: Call their listed number: 302-406-3273. This allows for immediate communication and clarification.
   • Email: Send a formal email to any contact email they might have provided, stating clearly that you wish to terminate your engagement with their consulting services. Request an acknowledgment of your cancellation. Keep a record of this email.
2. Clarify Your Status: In your communication, clearly state your current status with them. For example:
   • “I am in the assessment phase and wish to cease further consultation.”
   • “I have not yet received any funding facilitated by your services, and I wish to discontinue my application process with you.”
3. Confirm No Outstanding Obligations: Given their “pay only after getting paid” policy, it’s essential to get confirmation that there are no outstanding obligations or fees on your part if no funding has been secured. Ask for written confirmation that your file is closed and no charges will be levied.
4. Review Any Agreements: If you signed any initial agreements or contracts, review them carefully for clauses related to termination, withdrawal, or disengagement from their services. Look for any notice periods or specific procedures. While their homepage emphasizes no upfront fees, any signed document might contain additional terms.
5. Data Privacy: You might also want to request that any personal or business data you shared with them be securely deleted, in accordance with privacy regulations.

Important Note for Shariah-Conscious Individuals: If you initially engaged with Realbusinesssolutions.ai without realizing their services involve interest-based financing, disengaging is a crucial step. Seek alternative Shariah-compliant funding solutions immediately. Do not proceed with any funding facilitated by them if it involves Riba, as this is fundamentally impermissible.

Realbusinesssolutions.ai Pricing

Realbusinesssolutions.ai distinguishes itself with a pricing model that aims to be attractive to small businesses: “No upfront fees. No Funding? You don’t pay. It’s that simple.” This results-based approach means that clients are not charged for the consulting services unless and until they successfully secure funding through the solutions facilitated by Realbusinesssolutions.ai.

Understanding the “Pay Only After Getting Paid” Model

This model is designed to reduce the perceived risk for potential clients.

Instead of charging hourly consulting rates or a flat fee upfront, Realbusinesssolutions.ai ties its compensation directly to its clients’ success in obtaining capital.

• How it Works:
  • You engage with their consultants for an assessment and strategy development.
  • They work to identify and connect you with various funding programs e.g., SBA loans, lines of credit, revenue-based funding.
  • If you successfully secure funding, a fee becomes payable to Realbusinesssolutions.ai.
  • If they are unable to help you secure funding, no fee is charged for their services.

What are the Fees When Funding IS Secured?

While the website explicitly states “No upfront fees” and “No Funding? You don’t pay,” it does not explicitly detail the percentage or structure of the fees charged once funding is secured. This is a critical piece of missing information.

• Industry Standard for similar consulting services: In the business funding consulting industry, success-based fees typically range from 1% to 10% of the total funding secured, depending on the complexity of the funding, the amount, the type of loan, and the consultant’s perceived value. For more difficult-to-secure funding like for startups or low-revenue businesses, the percentage might be on the higher end.
• Negotiation: It is highly likely that this fee structure is discussed and agreed upon with the client during the initial consultation or before any formal engagement proceeds. Businesses should clarify this percentage or fixed fee before committing to their services.

Transparency Concerns Regarding Fees

The lack of public information on the specific success fee percentage on their homepage is a transparency gap. While their “no upfront fee” policy is clear, knowing the potential cost of their services after success is crucial for businesses to properly evaluate their overall financial impact.

The Shariah Perspective on Fees

Even if their consulting fee structure the percentage they take from secured funding were to be considered ethically acceptable in isolation, the fundamental issue of the underlying financial products remains.

If the funding they facilitate involves Riba interest, then engaging their services to obtain such funding would still be problematic from an Islamic perspective, regardless of how their own consulting fees are structured. C2fo.com Review

The ‘profit’ from the interest-based funding is tainted, and consequently, any fee derived from facilitating it would be considered problematic.

In summary, while the “no upfront fee” model is appealing, potential clients must inquire about the success fee percentage directly. More importantly, from a Shariah-compliant standpoint, the entire service is problematic due to its facilitation of interest-based funding.

Realbusinesssolutions.ai vs. Ethical Business Solutions

When comparing Realbusinesssolutions.ai with ethical business solutions, the contrast highlights a fundamental divergence in principles and operational models.

Realbusinesssolutions.ai, despite its claims of understanding small businesses and offering “real and practical solutions,” fundamentally operates within the conventional financial paradigm that includes interest Riba. Ethical business solutions, particularly those rooted in Islamic finance, champion models that prioritize justice, equity, and risk-sharing, avoiding the exploitative nature of interest.

Realbusinesssolutions.ai: The Conventional Approach

• Core Offering: Facilitating access to conventional debt financing, explicitly including loans and lines of credit with APR Annual Percentage Rate and interest rates e.g., 0% introductory APR, 12% APR, Prime + 0%.
• Payment Model: “Pay only after getting paid” – a success-based fee model for their consulting services, where they charge a percentage of the secured funding.
• Benefits Conventional View:
  • Access to large sums of capital quickly.
  • No upfront costs for consulting.
  • Broad range of conventional funding types.
• Drawbacks Ethical View:
  • Involvement in Riba: This is the paramount issue. Riba is prohibited due to its unjust nature, creating wealth without genuine productive effort, leading to exploitation and economic instability.
  • Debt Burden: Conventional loans impose a fixed repayment schedule regardless of the business’s actual performance, increasing financial pressure and risk of default during downturns.
  • Lack of Risk-Sharing: The lender bears little risk beyond default. the burden of business failure falls squarely on the entrepreneur.
  • Ethical Compromise: For those adhering to Islamic principles, engaging with such services is a direct violation of religious injunctions, potentially leading to spiritual and moral distress.

Ethical Business Solutions: The Shariah-Compliant Alternative

Ethical business solutions, particularly those in Islamic finance, are built on principles derived from Islamic law, emphasizing justice, fairness, and mutual benefit.

They seek to create a just and equitable economic system.

• Core Principles:

  • Prohibition of Riba Interest: All transactions must be free from interest.
  • Asset-Backed Transactions: Financial dealings must relate to real economic activity and tangible assets. Speculation and excessive uncertainty Gharar are avoided.
  • Risk and Reward Sharing: Profits and losses are shared between parties, ensuring fairness and partnership e.g., Musharakah, Mudarabah.
  • Ethical Investment: Funds are invested only in businesses and activities that are permissible and beneficial Halal.
  • Social Responsibility: Emphasis on contributing positively to society and economic development.

• Alternative Funding Models:

  • Murabaha Cost-Plus Sale: Instead of a loan, the financier purchases an asset e.g., machinery, inventory and sells it to the business at a pre-agreed higher price, payable in installments. The profit is disclosed and agreed upon upfront.
  • Ijarah Leasing: The financier purchases an asset and leases it to the business for a fixed period, with an option to purchase at the end of the term.
  • Musharakah Partnership/Joint Venture: The financier and the business jointly contribute capital to a project or business, sharing profits according to a pre-agreed ratio and losses in proportion to their capital contribution. This is a true risk-sharing model.
  • Mudarabah Profit-Sharing Partnership: One party provides capital Rabb al-mal, and the other provides expertise and labor Mudarib. Profits are shared as per agreement, while losses are borne by the capital provider, except in cases of negligence by the Mudarib.
  • Sukuk Islamic Bonds: Asset-backed securities that represent ownership in tangible assets or services, yielding a share of the revenue or profit generated by those assets, rather than interest.
  • Qard Hassan Benevolent Loan: An interest-free loan extended for welfare or productive purposes, where only the principal amount is repaid.

The Clear Choice

For any business owner committed to ethical practices, especially those adhering to Islamic principles, the choice is clear.

Realbusinesssolutions.ai, by facilitating interest-based financing, presents an irreconcilable conflict with ethical financial conduct. Endlesspossltd.com Review

True “real business solutions” lie in embracing models that foster sustainable growth, equity, and social responsibility, such as those offered by Islamic finance institutions and ethical crowdfunding platforms.

These alternatives may require more understanding and different application processes, but they offer peace of mind and alignment with higher moral principles.

Frequently Asked Questions

What is Realbusinesssolutions.ai?

Realbusinesssolutions.ai is a consulting service that helps small businesses secure various types of funding, including SBA loans, revenue-based funding, and lines of credit.

They claim to offer tailored solutions and operate on a “pay only after getting paid” model.

Does Realbusinesssolutions.ai charge upfront fees?

No, Realbusinesssolutions.ai states that they do not charge any upfront fees.

Their policy is “No Funding? You don’t pay,” meaning their fees are contingent upon successfully securing funding for their clients.

What types of funding does Realbusinesssolutions.ai help secure?

Realbusinesssolutions.ai claims to assist with “virtually any type of funding,” including SBA loans, fast revenue-based funding, and various lines of credit, including those with 0% introductory APR and ongoing APRs.

Is Realbusinesssolutions.ai Shariah-compliant?

No, Realbusinesssolutions.ai is not Shariah-compliant. The website explicitly mentions facilitating financial products that involve APR Annual Percentage Rate and interest, such as lines of credit with 12% APR or rates starting from Prime + 0%. Interest Riba is strictly forbidden in Islam.

How much funding can I get through Realbusinesssolutions.ai?

The website states that the amount of funding varies greatly and is impossible to say without a consultation.

They claim to work with companies seeking as little as $25,000 up to millions, with factors like FICO score, revenue, profit, and collateral influencing the amount. Filterbaby.com Review

How fast can I get funding with Realbusinesssolutions.ai’s help?

Realbusinesssolutions.ai suggests funding can be received in “as little as 24 hours” for some options.

However, they also mention that if credit improvement is required, the process could take several months.

What are the payment terms for funding secured through Realbusinesssolutions.ai?

Realbusinesssolutions.ai states that they primarily focus on assisting clients with getting funding that has monthly payments.

Exceptions are only made when no other options are realistic.

Are the customer testimonials on Realbusinesssolutions.ai legitimate?

The website features several positive customer testimonials with names and specific praise for their service.

While they appear legitimate, it is always wise to exercise caution and conduct independent research when relying solely on website testimonials.

What is the “pay only after getting paid” policy?

This policy means that Realbusinesssolutions.ai only charges a fee for their consulting services if they successfully help a client secure funding.

If no funding is obtained through their efforts, the client pays nothing for their consultation.

What are ethical alternatives to Realbusinesssolutions.ai for business funding?

Ethical alternatives include Islamic financing institutions like American Finance House LARIBA or Devon Bank’s Islamic Financing Division, ethical crowdfunding platforms like Ethis, and community-based Qard Hassan interest-free loan initiatives.

Does Realbusinesssolutions.ai offer any Shariah-compliant funding options?

Based on the information provided on their website, Realbusinesssolutions.ai does not explicitly offer or mention any Shariah-compliant funding options. Beachraider.com Review

Their stated offerings are conventional interest-bearing financial products.

How do I contact Realbusinesssolutions.ai?

You can contact Realbusinesssolutions.ai by calling their listed phone number: 302-406-3273, or by scheduling a free consultation through their website.

What is the process of getting funding with Realbusinesssolutions.ai?

The process involves an initial assessment of your business’s financial health, developing a customized strategy, providing education, executing the funding plan, and offering ongoing consultant guidance.

Why is interest APR considered forbidden in Islam?

Interest Riba is considered forbidden in Islam because it is seen as an unjust and exploitative practice that generates wealth without genuine productive effort, leading to economic inequality and an unfair distribution of risk and reward.

Are SBA loans Shariah-compliant?

Typically, SBA loans are conventional loans that involve interest and therefore are not Shariah-compliant.

While the SBA guarantees a portion of the loan, the underlying transaction between the borrower and the lender still includes interest.

Can I cancel my engagement with Realbusinesssolutions.ai if I haven’t received funding?

Yes, since their payment is contingent on you receiving funding, you should be able to discontinue your engagement without incurring fees if no funding has been secured.

It’s best to communicate this intention directly via phone and email.

What details are missing from Realbusinesssolutions.ai’s website regarding their fees?

While the “no upfront fees” policy is clear, the website does not explicitly state the percentage or structure of the success-based fee that becomes payable once funding is successfully secured.

This information would typically be discussed during a consultation. Global.jusuno.com Review

What should I do if I am a Muslim business owner and already engaged with Realbusinesssolutions.ai?

If you are a Muslim business owner who engaged with Realbusinesssolutions.ai and realize their services involve interest, it is highly recommended to discontinue the engagement, especially if no funding has yet been secured.

Immediately seek Shariah-compliant funding alternatives.

Does Realbusinesssolutions.ai offer consulting for tax credits?

Yes, according to their FAQ, Realbusinesssolutions.ai provides professional services for small businesses, including expert consulting on getting business funded and getting tax credits.

What is the importance of “collateral-free options” advertised by Realbusinesssolutions.ai?

“Collateral-free options” mean that businesses may not need to pledge assets like property or equipment as security for the funding.

This can be appealing for businesses that lack significant assets or prefer not to risk them, but does not change the Shariah non-compliance if interest is still involved.