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Let's Get You Certified!

Take quiz below. Standards apply only to deal-processing roles. Evidence-based verification. No specific software required. Guidelines public for transparency.

Program Scope
The program is strictly focused on reducing the misuse of business funding applications by encouraging stronger protection at the highest-concentration point of risk: the initial application package.
Average Time to Complete
Guidelines already met 1–2 hours
Guidelines not yet met 1–2 days

How It Works
  • Submit request to join
  • Receive portal access
  • Listed in directory as an Applicant, newsletter and social announcements
  • Upload evidence within 90 days — extensions & support available
  • Get Certified — directory updated, digital badge issued, certification announced

Path to Certification

Join, then work toward certification with our support or self-service. The process is collaborative and focused on helping you meet the standard rather than finding reasons for disqualification.

Submission Protection

Deterring misuse.

Quiz
Answer the questions below to see how the guideline applies to your specific process.
How do brokers submit deals to you?
Select all that apply.
Portal / API (system of record)
Are attachments view-only, or downloadable?
✓
Requirement Satisfied
View-only access prevents users from extracting submission documents, satisfying the requirement at the highest-concentration point of risk. The standard does not extend to subsequent routine email exchanges.
Are downloaded documents protected either by watermarks, passwords or an equivalent?
✓
Requirement Satisfied
Watermarking points a downloaded document back to your office, reasonably deterring most misuse. Passwords prevent document access altogether. Either method acceptable.
Safeguards are needed
Because your system of record allows downloads of unwatermarked or otherwise unprotected documents, safeguards are needed to either deter misuse or reduce the technical opportunity for unauthorized sharing. See common approaches
Email
When a submission first reaches the inbox —
✓
Requirement Satisfied
No manual handling means no opportunities for misuse.
Safeguards are needed
Because deal submissions flow through a human processing workflow rather than a controlled system of record, safeguards are needed to either deter misuse or reduce the technical opportunity for unauthorized sharing. See common approaches
Do you have a direct sales team?
A team that sources and submits deals directly, separate from your broker channel.
Direct Sales Team
How do merchants apply?
Where do the application and any associated documents FIRST ROUTE?
Select all that apply.
System of Record
Are attachments view-only, or downloadable?
✓
Requirement Satisfied
View-only access prevents users from extracting submission documents, satisfying the requirement at the highest-concentration point of risk. The standard does not extend to subsequent routine email exchanges.
Are downloaded documents protected either by watermarks, passwords or an equivalent?
✓
Requirement Satisfied
Watermarking points a downloaded document back to your office, reasonably deterring most misuse. Passwords prevent document access altogether. Either method acceptable.
Safeguards are needed
Because your system of record allows downloads of unwatermarked or otherwise unprotected documents, safeguards are needed to either deter misuse or reduce the technical opportunity for unauthorized sharing. See common approaches
Email Inbox
When a submission first reaches the inbox —
✓
Requirement Satisfied
No manual handling means no opportunities for misuse.
Safeguards are needed
Because business funding applications flow through a human processing workflow rather than a controlled system of record, safeguards are needed to either deter misuse or reduce the technical opportunity for unauthorized sharing. See common approaches
Remaining Standards
The sections below outline the remaining program standards you’ll be asked about. Each company’s circumstances are reviewed holistically, and any “No” response alone does not prevent certification.

System Access

MFA, Role-Based.

Multi-Factor Authentication

MFA enabled on email and CRM (or equivalent systems).

Role-Based Access

Program recommendation (not required). Create and limit roles to only the accounts and information required for their job function.

Personnel Controls

Basic personnel practices.

Background Checks

Background checks are part of your hiring process.

Password Policy

A password policy or system setting requiring strong passwords.

Workstation & Screen Security

A policy or setting requiring screens to lock when unattended. Not required but recommended — prohibit use of cell phone cameras at workstations.

Off-Boarding Process

A process for promptly revoking access when personnel leave or change roles.

Final Review

A collaborative path to certification.

Please allow up to (5) business days for review. We’ll assess your evidence and confirm your business registration is active. If any evidence does not meet the intent of a safeguard, we’ll provide feedback, support, and ample time to address it.

Membership

No cost to join. Annual membership fee due only if you submit for final review. $2,499/year. Monthly installments available. Membership supports program administration, independent evidence review, member support, ongoing program development, event sponsorships, and maintenance of the public directory.

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