Ben Mihalik with Nations Lending is phenomenal. He is one of the most knowledgeable lenders I have…read moreever spoken with. We would not have gotten our current home without Ben's help. Ben is great to work with and made the process as easy and painless as possible. Ben should be your first and only call.

Ben Mihalik made this long process into a short one. He helped me realize my dream of owning my…read moreown home. He was always informative and quick to answer any questions. I certainly would recommend him again to anyone I know.

A big thank you to the team over at ALM for helping my husband and I through the process of buying…read moreour first home. I worked closely with Justin and he was great, really patient and answered all of my questions thoroughly. He said there isn't a dumb question when buying a home and I sure did pepper him with a lot of questions throughout the process. He was quick to respond and always helpful. Once we got further along in the process, the rest of the team was equally as friendly, attentive and responsive. The team at ALM made an already stressful process a little bit smoother by their great service.

Can not recommend Leslie and her team more! We decided to buy a home during a pandemic without a…read morerealtor (10/10 would not recommend) and yet Leslie and team helped us pull it off. They were extremely communicative and helped us crunch the numbers time and time again until everything suited us. They were available for evening phone calls, last minute emails, and countless questions. We couldn't have done this without them holding our hands and explaining every step of the way. If you need mortgage services in Orlando, ALM and Leslie are your people!

I used HIS to get a better, real-world understanding of how to purchase investment properties, and…read moreit delivered. The information was clear, practical, and based on actual scenarios--not hype. It helped me slow down, properly analyze deals, and think more strategically instead of rushing into something that didn't make sense. In the end, it's not easy--but it works if you do.

I believe I have fallen victim to a deceptive and potentially fraudulent business scheme known as…read morethe Micro Banking Method (MBM), which is directly associated with HIS Capital, based in Orlando, Florida. I respectfully submit this letter as a personal testimony and appeal for a formal investigation into these operations, which I believe have taken advantage of me and countless others under the guise of mentorship and opportunity in real estate investing. In March 2024, I came across a compelling online advertisement featuring Rick Malero, who offered an investor starter package for $97. The promise was clear: I would be guided to invest in real estate using HIS Capital's funds for the deals I sourced. After purchasing this initial program, I was presented with multiple upsell options, which I purchased in hopes of increasing my success: * "Let Rick Fund Your First Deal" - $97 - https://microbankingmethod.com/start-here * "Microbanking Deal Analyzer" - $99 * "Fast Track Your First Deal" - $197 * "Microbanking Method" - $134 Shortly after, I scheduled a mandatory call with an "implementation specialist," Jay Guab, on March 15th. That conversation turned out to be another sales pitch--this time urging me to commit to a $10,000 or $25,000 partnership package, allegedly backed by HIS Capital. I was reassured by Jay that he was part of the program, a claim I later discovered to be false--he was merely a sales agent. I initially enrolled in the $10K HEPP package and was later "upgraded" to the $25K PEPP program, giving me access to a sparse online portal and weekly Zoom calls. I was promised that within 90 days, I would be closing real estate deals with private funding from HIS Capital, aided by their AI platform and a database of 10,000 leads. That 90-day milestone came and went--June 19th--without any functional software, usable leads, or meaningful support. I brought several deals to HIS Capital's attention, but their term sheets were unreasonable and not in line with true private money lending practices. The terms resembled predatory hard money offers. At a live event in Orlando in July 2024, held primarily at Rick Malero's church, we were again promised working software, committed team support, and partnership opportunities. Instead, we were subjected to hours of motivational speaking with very little actual value. The promised tools were either non-functional or delayed beyond reason. Meanwhile, the tone of the meetings increasingly shifted toward victim-blaming. I diligently followed every instruction, invested thousands in marketing, and attended all training sessions. I hired a virtual assistant (VA) to contact leads from the promised 10,000-person database, only to discover that most numbers were disconnected or inaccurate. I raised these concerns repeatedly, only to be told I or my VA was doing something wrong--despite screenshots proving otherwise. Eventually, in October, I successfully closed a deal in New York--a task that should have been a highlight of this experience but instead became a case study in dysfunction. The client was confused and stressed due to HIS Capital's disorganized and unprofessional processes. He ultimately closed the deal, but only after an unexpected $6,000 charge appeared at closing--something we were repeatedly told would never happen. Despite this, I was led to believe I was one of the very few who managed to close any deal at all. When I requested a list of successful members to celebrate their wins, only four names were recognizable out of about twenty, despite my active presence at events and online calls. This discrepancy raised red flags. By December, multiple members began communicating privately, expressing identical frustrations and sharing similar stories of misrepresentation, poor support, and financial loss. I spoke directly with one of Rick's partners, Louis Roque, and again received the same dismissive message: the program works--it's me that's the problem. As a consolation, I was offered leads that turned out to be completely unusable--people trying to refinance mobile homes on rented land or seeking owner-occupied financing, both of which HIS Capital doesn't support. More alarming, I discovered that Mike Giannulis and Mike Williams--key figures tied to MBM and its software development--were previously involved in a scam shut down by the FTC, known as MOBE. According to public FTC records, they were barred from operating or supporting educational business ventures. Despite this, they were active participants in MBM, raising serious legal and ethical questions. FTC Case Link: https://www.ftc.gov/legal-library/browse/cases-proceedings/192-3089-michael-giannulis In February 2025, I attended another live event. Rather than support, I was confronted and subtly shamed on stage. I was publicly singled out for having concerns, told I lacked the mindset for success, and quietly pushed to stop questioning the program. The atmosphere was cult-like

Cat Brower did a great job with my families title search. Very professional and polite staff. This…read morecompany is very reputable. In my opinion the best title service company in Florida. I Highly Recommend this company.

Working with Cat, Calyn & the rest of the Mortgagee Title team is absolutely the BEST experience a…read morehome seller or buyer can get. Their responsiveness and professionalism far surpasses other title companies in Orlando. I LOVE referring my clients to them, because I know they will treat them like family.

It was fantastic working with Tanisia from Red Door Title. She is very thorough, communicative and…read moregets the job done. We already have another client utilizing their company. We look forward to more transactions with them!

https://www.bbb.org/us/fl/celebration/profile/advance-fee-brokers/cash4bizbiz-0733-90649296/complain…read mores#1356001237 Cash4Biz.Biz company with it's owner / manager Jonathan K******, James D********, Susan, Tim and affiliates cheated / fraud with my funds and my business ************************. over $80k. Got me cash advance / working capital from 3rd parties companies with 20% plus interest rate and asking me to ***** / wire transfer them back to cash4biz account with**************** bank that way they could bribe some departments in loan departments in order to get me the $800k big loan with only 1% interest which was total false and fraud. It happened around 2018, and ever since they have been telling me I will get my refund and never happened. Below is their contact / information. Cash4Biz.Biz main phone: 1-800-908-7008 Manager / Owner Jonathan K****** Direct number:************* James D******** Phone:************* I have proof of wire transfers and *****, if needed? I would really appreciate your support about this matter and thank you in advance! Best Regards, On 9- 19-2020 Contacted by JD (James D******** ) by phone about cash advance lending Cash4Biz.biz I sent several months of bank statements and filled out an application and requested $65,000 in funding. Was approved for an $80,000 loan at 6% for an upfront fee of $3,460. The loan transfer was supposed to be within two days to my business account, which did not occur. Delays in processing the loan were blamed on Covid 19 and a lack of office staff. About two weeks later I was told that the lender was no longer doing "Small Loans" and would only process loans for over $300,000 and my loan had been upgraded. Over a few weeks, the loan grew to a promised $380,000 with total fees totaling $8,580. The loan never happened. On Feb 12 2021, I demanded a refund which was supposed to be processed in 14 days. After months of promises, the refund never happened. In April 2021 I asked to speak to thier lawer. They went silent on April 15 2021.

Great people to work with made me feel at home .they funded me within 72 hours made the process…read moresimple and easy .i recommend any business owner who need

I met Joshua through a lost deal that we had to change and move on to another transaction. Joshua…read morepicked up our loan application and I was impressed from the word jump. Joshua took our application knowing we had many financial challenges that needed to be addressed. He worked with me and my wife's creditors assisting us through the process. In the process he raised my credit score over 100pts and was able to get us qualified for a mortgage we were happy with. He went over and above in every aspect of the transaction. We are now homeowners and never dreamed we would qualify for owning a home. Thank you Joshua for everything you have done to make our dream of owning a home a reality.

I love dealing with everyone over at Leading Edge. The service is top notch and they are so…read moreknowledgeable. Been doing business with them for years, and I keep going back1