May 27

by Michael Granados

Do you need incredibly fast funding with up to $2,000,000 for your small business that the big banks can’t give you...Even with Bad Credit?

Or what about the lucrative opportunity to help businesses yourself get capital funding as an independent loan agent for Free? (See the table of contents below for more - independent broker section)

Listen, You’ve stumbled into a first-hand experience David Allen Capital Reviews where I “Michael Granados” a small business owner myself with many years of experience as well an Independent Loan broker agent now will show you the how you can get commercial loans and merchant processing as well the opportunity to help small businesses get funding if you decide to.

All around the web People are asking the question "Is David Allen Capital Legit" so let me put that thought to rest by saying YES, David Allen Capital is 100% legit, don't worry. Also what about “is David Allen Capital MLM?” No, Not exactly. And I’ll get to the details shortly but first you have to hear this…

Did you know you can get funding up to $2 MILLION? Insane, right? And in case you're still wondering "Is david allen capital a scam", it's Not - You're safe.

Alright, enough waiting, let’s get into the meat and potatoes of this David Allen Capital Review.

David Allen Capital Overview

Product Name: David Allen Capital And Bank Breezy

Founder: David Allen

Product Type: Small Business Loan Service, Finance, Capital

Price: FREE

Best for: Small business owners, entrepreneurs, and many more

dac funding

Summary: David Allen Capital is an incredibly fast funding small business capital business loan company that offers Business capital, Equipment Financing, and Payment Processing for people who get denied by the big banks every single day.

You can literally get up to $2,000,000 this week, get approved super fast and get your loan within 1-5 business days (I'll show you the requirements in a second). They also have an up to $25K sector with the "Bank Breezy" program where let's say you or another business owner makes $5,000+ per month in revenue, you have a business checking account, have 6 months in business with a 450+ credit score, and all industries included - You're set!

So what David Allen Capital does that's so unique is offer help to small business owners who make less per month and year, here are some of the requirements:

  • You can have a poor credit score Of 500+ FICO
  • Be making at least $20,000 per month in sales
  • Have a business checking account
  • 4+ months in business
  • Online Banking is setup...

...and get same day funding with DAC. BUT if you make less than $20,000 per month, and make at least $5,000+ per month then you'll want to check out Bank Breezy here.

So You can get funding through either program and get funded. If you want to get on with things and get your business loan pre-approval application started with DAC, click the button below.

Rating: 99/100

Recommended: Yes

What Is David Allen Capital?

David Allen Capital is a sub-division in the financial field of the MLM health and wellness program Youngevity where you can get up to $2,000,000 this week of funding for capital, merchant processing, business healthcare, and business voice and data service.

Whether you’re looking for small business capital, customer financing and payment processing, you’ll be shown the right courtesy to get funds into your account ASAP...

So much so that you can get SAME DAY FUNDING! I'll get into the requirements in a later section below (or you can click here to jump to the qualification process) a bit but here's a video on the David Allen Capital Loan Reviews:

There’s also a component to it where you can join as a commercial financial agent and help small business owners get funding and get paid handsomely (if that's what you'd like, click here to see the details and get signed up as A DAC Affiliate). You get to work from anywhere you want and earn personal commissions with DAILY PAY.

(And no there is no David allen capital scam if you're still wondering that.)

I’ll get more specifically into the commercial financial agent details later below but for now let’s keep moving with how David Allen Capital works.

Going Inside David Allen Capital

With David Allen Capital you’ll get customer financing to drive up your sales and here are the benefits of that:

  • Programs for ALL credit levels including 2nd chance financing for low credit
  • Low cost to you and no recourse to you if they default
  • Immediate approvals and fast funding

Payment Processing Improved…

You will be getting the benefits of standard processing PLUS David Allen’s New Cash Discount Processing (no fees).

david allen captial payment processing

You can:

  • Eliminate 95% of your fees
  • Access your funds faster
  • Everything you need in one kit

Business Capital

Here’s the four-step benefit to getting business capital:

david allen capital business capital

  • Simple and fast. You will receive a decision within 1 day and capital of $10,000 to $2,000,000 as soon as 1-2 business days.
  • Small business focus. David Allen Capital specializes in small businesses and they work to get you the money you deserve while you can remain focused on your business.
  • TOP-rated providers. David Allen ONLY represents transparent, top-rated, quick-turnaround providers with over 10 BILLION dollars funded so far.
  • Use as you choose. Do you need to expand or take advantage of volume discounts? It’s your business and you can decide how it's used!

Qualification Process

david allen capital qualification process

As you can see from the image above, there is a 5 part criteria to getting you approved for funding:

  • Time In Business
  • Location
  • Personal Credit
  • Annual Revenue
  • Industry

Here's ALL the thing your MUST meet:

  • You're making $20,000+ in monthly sales
  • You must have an opened business account
  • You have to of been in business for 6 months or more
  • You're not a sole proprietor
  • Minimal NSFs/Negative Days. No more than 5 NSF or negative days in any of the last 3 months.

The Approval Amount is approximately 1.2x of monthly revenue. Ex: $50,000 monthly revenue = $50,000-$100,000 advance offer.

Your Repayment Amount is 1.19-1.49x your advanced amount. Ex: You receive $60,000 and you pay back between $72,000-$89,500.

These are 4-24 Month Terms with Automatic Daily Payments (sometimes weekly).

David Allen Capital Vs The Banks

david allen capital vs banks
david allen capital vs

Pricing Per Dollar And Basic Qualifications

  • Within a 6 month term, your total cost can be as low as 18 cents per dollar. The average cost being 30 cents. The typical funding amount comes out to be $40,000.
  • Within a 12 month term, your total cost can be as low as 18 cents per dollar. Your average cost is 35 cents. The typical funding amount comes out to $80,000
  • For a 24 month term, your total cost can be as low as 20 cents per dollar. The average cost is 42 cents. Your typical funding to expect is $130,000
david allen capital pricing per dollar

David Allen Capital Rates

I've had plenty of people ask "What are the rates?" There are no rates, we don't talk rates, not because we're masking anything but because they are very confusing, hear me out.

Let's say someone had a 4% rate on their mortgage and another person has a 5%, you would think the person with a 4% is cheaper than the 5% but that's not always the case...

You can always mask how often it compounds, what's the term, etc, so we talk total cost of capital. For example:

If you or someone wanted a $100,000 in funding, we'll tell you the total cost to pay that pay like $130,000 to pay back, so your total cost of capital is the difference which is $30,000.

So it's easier for you, if the benefit of the $30,000 cost in this example is great, then you take it and if it's not, you don't. So the rate doesn't matter, the total cost of capital does.

And because DAC represents the best lending providers, you'll get the best deal.

How To Get Started

If you’re ready to get funded and receive your decision in minutes, here’s the simple 3 step process:

  1. Pre-Qualification. You will complete the online form by clicking the button below. Your application will be reviewed and then contacted to discuss available options and answer your questions.
  2. Complete Application. When you complete the simple application, it’ll provide the lenders and advance companies with more business, personal and financial details. You’ll submit to David Capital with a few requested documents.
  3. Submit Documents. To verify your application and secure approval, David Capital will request 4 months of bank statements, a copy of your last year's business tax return, a canceled check, and a copy of your driver's license.

Ready to get started with Davidallencapital com?

Need Up To $25K Funding? Bank Breezy Review

david allen capital bank breezy

Theirs a “Bank Breezy” process where you can get small business funding from $2,000-$25,000 today through one of the top capital lenders in Bitty Advance and here’s how it works:

  • Immediate Approvals. You can get:
    • $5,000+ Monthly Bank Revenue
    • A Business checking account
    • 6 months in business
    • 450+ credit score
    • All industries included
  • Breezy Online Process. You get:
    • Accept Approval Amount
    • Link Online Banking
    • Review Approval Terms
    • Sign Agreement Online
    • Receive Funds
  • Simple and Fair. 
    • No hard credit inquires
    • Transparent terms
    • No collateral required
    • Industry-leading early pay discounts
  • Get More When Needed
    • Having a payment history will earn you more
    • Receive funding again
    • Add-on Funds are available
    • Personalized Account Manager
how does bank breezy work

DAC Customer Financing

david allen capital customer financing

Do you want to make sure you select the right lender for your customers? David Capital will help you select the right lender(s) for you and your customers by getting the best lenders in each of these industries:

david allen capital industries

  • Medical and dental offices
  • Automotive Repair shops
  • Home improvement
  • Jeweler and other retail stores
  • Vocational and trade schools
  • Coaching and training seminars
  • Veterinarian offices
  • Online and eCommerce sales
  • Most other industries

With the David Allen Customer Financing service you can increase your sales while helping your customers get financing like this:

  • Increase your average Ticket size by up to 85% and Encourage upgrades/add-ons all together.
  • Improve your store traffic by over 20% via promotional offers 
  • Increase your sales conversions by making the purchase more affordable

I know what you're thinking, why DAC Customer's Financing service and not any other?

Unlike other services where you get one lender or a flood of lenders without much quality, DAC gives you high quality multiple lender offers for the best options for You and Your customers.

Here's what you get:

  • Your own private branded page for your customer applications...
  • Financing from $300-$100,000 and Terms of 1-15 years (pretty sweet stuff here)...
  • INSTANT Decisions and programs for most all credit levels...
  • Low cost and super easy setup (start offering financing in as little as 48 hours!)...

How awesome, right?

How It Works

There’s a 4 step process:

  1. Your customer answers a few basic questions and agrees to apply and see offers
  2. Your customer is presented with all the loan officers they have qualified for
  3. Your customer selects the offer they prefer most and signs the online agreement
  4. You are funded and the Lender collects payments directly from the consumer.

Payment Processing

david allen capital payment processing

You get to eliminate 95% of your processing fees with the two parts of processing:

  • Standard processing OR
  • Cash Discount processing

What Is Cash Discounting?

Cash Discounting is this specialized program that allows you to provide an incentive to cash buyers whole eliminating almost all of your non-cash processing costs.

With the cash discounting you will be provided signage stating that all of your prices are discounted for cash payment and for customers who choose to pay with a credit card, a noncash adjustment of 4% will be automatically added to the discounted for cash price.

Wide Selection Of Equipment to Choose From…

david allen capital equipment

David Allen Capital has many POS providers and equipment options...many with FREE placement.

Next Day Funding On ALL Your Accounts

david allen capital funding

With David Allen Capital your weekend sales are deposited Monday morning, you won’t have to wait anymore until Tuesday to get your funds.

Unparalleled Service

david allen customer support

David Allen Capital Healthcare

david allen capital healthcare

Are you in the market for an affordable and quality in employer healthcare?

DAC has created a NEW alternative in healthcare that's shaking up the World, how?

Employers and Business owners can now save with the Nation's Largest PPO Network. They are:

  • ACA & ERISA Compliant so you don't have to worry about following the rules and being safe ans secure at the end of the day.
  • No deductibles or Open enrollment restrictions!

If you'd like to compare plans, find a provider and Get A Quote, click the button below right now. 

DAC Telecom

dac telecom

Would you agree that Telecom can be complex?

David Allen Capital erases all the headaches and pains of having to go through it on your own with their DAC Telecom option powered by AppSmart to make the process Super easy on you.

Your business will be provided with a one stop, best offer solution for:

  • Voice
  • Internet
  • VoIP
  • Mobility
  • Data
  • Cable
  • Cloud

DAC Protect

dac protect

Do you value privacy with security and would like to keep your Identity protected at ALL times...No matter what?

David Allen Capital has an Identity protection area where you can keep your information private and protected from cyber attacks and hackers.

David Allen Capital Independent Broker Review

You can become an independent loan brokerage agent with David Allen Capital and by partnering with them you get these benefits:

  • Immediate Income Available
  • PLUS Long-Term Residual Income
  • You get to market business and consumer services that put your customers in a much better financial situation
  • NO Experience or License required!
  • FREE Training and Agent Resource Center
  • FREE Websites for You
  • PLUS, A Team of experts to support YOUR clients

Here's more:

David Allen Capital Compensation

If you're looking to become an Independent broker agent and sell the David Allen Capital Business funding to small business owners and are asking "How you make money working for david allen capital"...

here's what you can expect with the David Allen Compensation Plan:

  • For Business Loans, you're paid daily and is either 3% or 6% of the funded value, but could be as high as 9% with the Matching Override bonuses.
  • For other services you earn Monthly Residual Income for the life of the customer. There is no limit to the number of clients you can assist to secure capital.
  • Personally Enrolled Matching Bonuses. If you refer other individuals who become Independent Agents with DAC, you can qualify to earn Matching Bonuses of 25% or 50% of their personal commission. Example:
    • One of your personal agents helps their own client get a $20,000 funding and they would earn a commission of $600 or $1,200. You will earn either 25% or 50% match of their income. Even if they just earned $600, your minimum match would be $150.
  • Team Leadership "OpenLine Match". If you personally enroll other agents, this will develop your extended agent team. You can qualify to earn OpenLine Leadership Matching Bonuses of 10%-50% on your entire team's personal commission income.
  • Leadership Overrides. You can also qualify to receive additional leadership matching overrides as you help team members reach leadership levels in DAC. You can earn as much from 5%-15% of ALL personal commissions earned in your leaderships teams.
  • Residual Income, Car Allowances, and Other Perks. Upon your qualification, Youngevity International (YGYI) will pay you residual income. Also, you can qualify to receive a car allowance of $300 to $1,000 PER month, and other perks live Revenue Sharing and Top Achieve Club trips.

PLUS: You can make 50% of ANYONE you personally enrolls income (Personal commissions) and YOU can make 100% during their first 30 days of their deal, you're going to make a MASSIVE amount of commissions!

David Allen Capital Training

If you wanted training as a DAC agent, there is a resource training center that'll more or less look like this:

david allen capital training

Underneath this you'll find your training resources such as:

  • STEP 1: Getting Started Right Video
  • STEP 2: Business Capital Training
  • STEP 3: Comp Plan Videos And Chart
dac training

You'll click through those links and watch your training. If you scroll a little down you'll see even more:

dac train

So here you'll get:

  • Business Service Trainings
  • Marketing Information

There's a TON of information for social media images, scripts, agents of the month, payment processing information and so much more. To go to the DAC training resource center page, here's what to do so you find it each time:

  • STEP 1: Go to the Home page (Click here to go)
  • STEP 2: Scroll to the footer where you'll see "Resources"....
    • Underneath you will want to click on "Agent Resource Center"

I'll also be giving you extra resources/help on how to get your Leads for Free and Paid most effectively.

Wade Cordell David Allen Capital

Here's a q & a with David Rutz and Wade Cordell:

David Allen Capital Reviews

Here are some David Allen Capital Customer Reviews on Truspilot

david allen reviewer
dac review

Pretty helpful David Allen Capital Inc Reviews, right?

David Allen Capital BBB rating

David Allen Capital has received an A+ for it's BBB rating, take a look:

david allen capital bbb rating

David Allen capital inc bbb as you can see is listed and is doing well.

I tried looking for a David Allen Capital Ripoff Report but couldn't find one by the way.

Here's what it's like to work for David Allen Capital according to Glassdoor:

david allen capital reviews
david allen capital testimonials
david allen capital testimonials

David Allen Capital Complaints

So before you see these "complaints" I want you to know they're not as serious as they are, in fact for the amount of time I've not only used DAC but been with them, these complaints below really are unreal, how?

Many people either don't pay attention to the information they're given or have a hard time following through and for some reason they complain.

david allen capital trustpilot
david allen capital trust

These were like the very few people who had no patience and were troubled for the wrong reasons, not a company or David Rutz problem. PLUS, it wouldn't surprise me if these complaints came from the competitors of DAC to be honest - It happens where other people bash companies.

How Much Does David Allen Capital Cost?

The cost to get a Loan is just the loan itself...The rest will be paying back your loan.

If you're looking at the partner opportunity to join, David Allen Capital is Free. However, you will have to spend time looking for clients which is normal and expected as well on other expenses down the line like Marketing and advertising to find other small business owners who will need your services.

You will also have to account for travel expenses and meeting with small business owners to sell the David Allen financial services IF you're doing things offline, if not you can do it ALL online. Yup, I know - it’s not all 100% online-based.

But there are ways where you can spend the majority of your time selling these financial services online without traveling, just depends on how much time and money you want to make. That’s why I choose to do Affiliate Marketing instead of MLM type structures.

Who Is David Allen Capital For?

David Allen Capital is made for small business owners who are struggling to get funding from the big banks and any public bank in general and want to get up to $2,000,000 Incredibly fast business capital, equipment financing, and payment processing ALL in one place.

Here’s more:

  • Small business owners who want fast funding like into your bank account as soon as today!
  • People of all credit level scores (poor to excellent) and want the best chance of getting funding no matter what.
  • You want to eliminate 95% of your fees so you don’t have to pay extra expenses just for fees that can be very costly.
  • People who want a very easy streamlined approval process without having to worry about hearing back from lenders and the David Allen Capital team.
  • Any small business owner who wants an affordable option

Who’s It Not For?

  • Sole proprietors 
  • People making less than $5K per month
  • You haven't been in business for more than 6 months
  • People who may not need funding right this second
  • Lazy people
  • Tire kickers

Pros And Cons


  • Fast Funding today of up to $2,000,000 so you can get your business back on track and in full throttle which means you'll spend more time focusing on the things inside your business that matter most.
  • Special Customer Financing with programs for ALL levels of credit including second chance financing for low credit so you can high a higher chance of getting approved which means you'll always have a way to earn more money!
  • Improved Payment Processing so you don't have to worry about eliminating over 95% of your fees which means you'll get access to your funds much faster and have everything you need all in one kit.
  • Unparalleled Equipment financing so you can get from $3K-$2M and never have to worry about having the right tools and equipment to power your business forward.
  • MLM Agent Home Business opportunity to refer small business owners into the program and get compensated for it.


  • I wouldn't really say there are any cons and I'm not saying this to be biased but here's what I'll pick out if anything: Not for sole proprietors


There are really no close alternative lending services on the level DAC offers but I do know of another service that also provide lending options:

I'd still go with David Allen Capital because it's just far superior, has the best lending services and with the low requirements as well no need to deal with complicated rates, you simply get the best.

As far as from the "home-business opportunity" side of things go, I'd stick with David Allen Capital but here are a few alternatives:

Above all these, David Allen Capital is your best bet and since it has the top lending providers, it would be great to go with - You can Click here to sign up as a David Allen Capital Partner

But in the case you're looking for other business model opportunities... There are other ways to make a passive income, promote other peoples products and services, and be able to do it without having to fulfill on inventory, customer support and be "techy", that's with Affiliate Marketing.

Here are some of these affiliate opportunities:

What I Liked Most About David Allen Capital

There’s A LOT to like about David Allen Capital but if I had to choose just one thing I liked most…

I’d say the amount of funding you can get for your small business of up to $2.000,000. Of course, there is an application process to get funded and to get funded a certain amount but the fact that David Allen Capital is flexible and is willing to work with any circumstance…

And get you approved up to a huge amount is very generous. This way you can keep your business running on full fuel without having to worry about where and when the money will be coming in.

What I Liked Least

Hmm, there really wasn’t much I disliked other than the fact that it is a sub-sector of the MLM/Network Marketing company Youngevity, why?

I’m not a big fan of MLM companies because their focus apart from helping people is to get distributors to join and recruit others to join. I know this has nothing to do with the financing sector but If your goal is to eventually become a distributor of Youngevity or even David Allen Capital, you can spend a lot of your time focusing on recruiting rather than the selling of the actual product.

Is David Allen Capital Worth It?

Absolutely. Here’s the way You and I need to look at it - If you need a loan that the banks can't give you, and you're frustrated of "trying" to look from place to place, and you finally want a fast approval process to get back on track...Then go with David Allen Capital for sure!

For the home business side of things - if you’re interested in learning business finance or have a business finance background and want to earn a lucrative passive income, then it’ll definitely be worth your time.

Also, very rarely these days can you join a Loan Brokerage company that’s free. I’m going to be honest with you and this might hit home for you…

These days MLM’s/Network Marketing companies are on a downward spiral... They are not “the online business” to get into and expect to make a great income with BUT because David Allen Capital is Seperate from Youngevity then you don't have to worry about the whole recruiting and earning little thing…

I left Network Marketing a while back and I was in a couple like CBD, Keto, and many others and I recruited a handful of people but they never did the same and didn’t train others like I did, so I left for another opportunity…

Called Affiliate Marketing. With Affiliate Marketing YOU get to be in control of your finances by simply sharing other people’s products and services in exchange for a commission...No no need to “recruit” people to make a good amount of money.

If you’re interested in learning more about my #1 recommended Affiliate Marketing business opportunity, then click here.

Final Thoughts 

What was your favorite part about David Allen Capital? Was it everything you were expecting and more?

Listen, if you’re a small business owner who’s looking for funding of up top $2,00,000 and want the flexibility to also receive equipment financing, and payment processing at a high standard, then David Allen Capital will give you the edge.

Their free application and incredibly fast access to capital funding will ensure you can get your business running in the right direction without any hiccups and worrying that you won’t have enough to stay in business. What about the business opportunity side of things?

Well, If you have an interest in commercial financing or have a background in it, then this will be something you can benefit from. 

So if you'd like to get started with your DAC Loan and get approved fast, click the button below.

Michael Granados

Michael Granados is an expert blogger and a 5+ figure-a-year affiliate marketer. He's created a health and wellness brand as well enjoys helping others learn about different marketer tools and helping people achieve an awesome life personally, physically, and professionally.

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