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Ripoff Report | Beyond Breakeven TRUSTED Review - Tampa, Florida
Report: #1246281

Complaint Review: Ripoff Report | Beyond Breakeven TRUSTED BUSINESS | Ripoff Report Verified™ …businesses you can trust. Since 2003, Ed Keels and his staff at Beyond Breakeven, Inc. (BBI) have been helping wannabe business owners with deal structures that provide business loans and business credit when banks won’t. Beyond Breakeven has developed more than one hundred ways to fund a business acquisition and do so with little to none of the buyer’s own money. - Tampa Florida

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  • Beyond Breakeven TRUSTED BUSINESS | Ripoff Report Verified™ …businesses you can trust. Since 2003, Ed Keels and his staff at Beyond Breakeven, Inc. (BBI) have been helping wannabe business owners with deal structures that provide business loans and business credit when banks won’t. Beyond Breakeven has developed more than one hundred ways to fund a business acquisition and do so with little to none of the buyer’s own money. Tampa, Florida USA

Beyond Breakeven TRUSTED BUSINESS REVIEW: Beyond Breakeven, Inc., receives a positive review due to the commitment to Ripoff Report Corporate Advocacy, Business Remediation & Customer Satisfaction Program. A program that benefits consumers, ensuring complete satisfaction, confidence when doing business with a member business. Beyond Breakeven, Inc. recognized by Ripoff Report Verified as safe business service. Commitment to Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program benefiting consumers, ensuring complete satisfaction & confidence when doing business..

*UPDATE: Beyond Breakeven recognized by Ripoff Report Verifiedâ„¢ as a safe business service.

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REVIEW UPDATE: November 19, 2018: Beyond Breakeven remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. Beyond Breakeven is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.

To date, Beyond Breakeven has made good faith efforts to resolve all complaints reported on Ripoff Report. Based on our experience, the member business has proven to be among the top members of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program as a Verified Safe Business™.

Over time and since becoming a member, Beyond Breakeven has remained actively engaged and improving the way they address customer service complaints. As an active and current member of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program we are happy to report that now more than ever Beyond Breakeven remains committed to improving customer satisfaction.

Remember, no company or individual can ever satisfy 100% of the people 100% of the time. There are no products or services that will always be perfect for everyone and even the best companies will receive complaints from time to time. However, by participating in the Corporate Advocacy Program, the member business has made a commitment to working with its customers to resolve complaints quickly and fairly whenever possible.

Please keep in mind that as a consumer you have some responsibilities as well. Success has many definitions that based on your past experiences, current situation and your perceived expectations. Success with any product or service is always based on the proper application and understanding. The fastest car will not run if you never turn the engine on. Look at how you used the product or service that was provided in relation with the instructions that you received. The Corporate Advocacy Business Remediation and Customer Satisfaction Program will help you get your voice heard but please be prepared with documentation and fair representation of your concern, also have an idea of how the company can fix your concern. Can they offer additional services, extend warranties, offer a fair refund or just get you talking with someone that can help. ..let them know and let us know!

*Any consumer not receiving satisfaction from a member of the Corporate Advocacy Program should email us at editor@ripoffreport.com.

Ripoff Report Verified™ REVIEW

EDitor's UPDATE: Positive rating and recognition has been given to Beyond Breakeven for its full commitment to quality customer service.

Ripoff Report's discussions with Beyond Breakeven, Inc. have uncovered an ongoing dedication by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any concerns. Beyond Breakeven, Inc. listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

Beyond Breakeven, Inc.'s Pres./CEO, Mr. Ed Keels, has stated that it is the company's goal and commitment to always over delivering that has resulted in a more than 99% customer satisfaction rating. In the very, very rare event when a client expresses disappointment in service or project deliverables, the company policy is to address the client's concerns quickly and completely. Mr. Keels believes this is why much of the company's business comes from referrals of existing and past clients.

One of the things the Ripoff Report learned in the course of its review is that typical client feedback reads, "The only reason we are in business today is because of the help and funding provided by Beyond Breakeven, Inc. and Ed Keels".

Beyond Breakeven is Ripoff Report Verified
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..

The information provided in this report below is based on comments made by Ed Keels during an onsite inspection held by a third party verification company with no biases towards Beyond Breakeven.

Beyond Breakeven, Inc provides the crucial service of assisting people with buying or starting a business. CEO, Ed Keels expressed that a study was conducted by Office Depot several years ago that stated 40% of people want to start their own business but didn't know where to get the money. Additionally, the survey stated that most people don't know where to begin when it comes to starting a business, "so we take care of both of those issues and then some." Mr. Keels went on to state, "we put people in business without having to put a dime of their own money into the project, and without having to pay forty grand for professional services. We do it all for $5,900. That puts it in the reach for most people."

Leads for Beyond Breakeven are primarily obtained through referrals and organic Internet searches. Beyond Breakeven works very closely with potential clients to ensure that they will be an appropriate match for their services. This includes conducting a brief interview with each potential client. Mr. Keels stated the following in regards to their sales and services process, "we scale our work to our staff availability. We typically only except 10 clients a month. Anything more than that and...customer service may falter or we don't deliver at the level that we intend to. So we won't take a project if we're over committed." Additionally Mr. Keels stated, "we put everything we do in writing. We do not ask them for a commitment over the phone. We are not a pushy sales agency. After we have a conversation and everything feels good we give them a contract, and we say 'okay today is Friday. You have until next Thursday at the close of business to think about it, pray about it, ask your spouse about it, do your research and see if we are the company for you.'"


During the onsite interview Mr. Keels was asked to describe a situation where a client was not satisfied with the level of service or product they received. Mr. Keels stated, "come August will be in business 14 years, and I can count on one hand the number of complaints." He did express that a complaint was made for a partial payment or a partial refund rather, "we had a program that is a step above our normal $5900 it is an extra $2000 for in analysis program. Where you can analyze the loss profitability of a business and it gives you an analysis on how to fix that. It's $2000 you get your money back hundreds of times over if you use it! The guy decided it wasn't what he was looking for and he complained rather than calling us and asking for a refund he complaint directly to the BBB that complaint is two years and 10 months old. That was the last legitimate complaint that we have had and we gave him a refund."

When asked to comment on the complaints posted on Ripoff Report's website Mr. Keel stated expressed that all complaints were false. He went on to state the following about one of the complaints, "she read the notes of the first guy and just re-iterated them as if they were her own thoughts if she check that stuff out...she has now committed libel, we know who she is because she went around and posted on a whole bunch of other sites. She has since taken every one of those down and recanted because we have put her own notice that the stuff that she has put out there are absolute lies fabricated lies." To further assure future clients Beyond Breakeven has an A+ rating with the Better Business Bureau.

Beyond Breakeven is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program. Mr. Keels stated the following, "our hope is that this method it will allow us to shine some truth of and the lack of validity of those reports."


" Most people that try to start or buy a business become discouraged very quickly when faced with the amount of money needed to get their deal done. They have to first come up with 20% or more of the loan amount in personal funds for the down payment. That in and of itself kills most deals. Then they are surprised to learn that they will have to put in tens of thousands of dollars more for agreements, contracts, forensic accounting, valuations, loan packagers, etc. At Beyond Breakeven, Inc. we do all of those expensive professional services in-house and without the high cost, and we utilize funding methods that eliminate the need for down payments having to come from the wannabe business owner.

By eliminating these costs, we put starting or buying a business within the reach of people who could not get there without our help. That is the heart of the company and a mission and work of which we are very proud.

Beyond Breakeven, Inc.'s team is on a mission to help people get into business cost effectively and prepared to run their businesses profitably. Beyond Breakeven, Inc. takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, ""I learned so much through the program and coaching. I didn't realize how much I didn't know and could never have done this without the help of your company and Ed Keels. Thank you."

Ripoff Report was pleased to learn that Beyond Breakeven, Inc.'s past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.


Beyond Breakeven, Inc. recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, Beyond Breakeven, Inc. has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

In summary, after our review, which included discussions with Ed Keels, Pres./CEO, Ripoff Report is convinced that Beyond Breakeven, Inc. is committed to quality delivery of services resulting in total client satisfaction.

How does a business get Ripoff Report Verified™

The member business allows Ripoff report to email everyone from the past. Those who respond to Ripoff report with a valid complaint must be take care of.. they have made a commitment that if anyone contacts Ripoff Report in the future, they will make things right within 14 days. The member business must err on the side of their customers. Otherwise the member business is off the program.

Ripoff Report has determined that Beyond Breakeven meets Ripoff Report Verified™ standards which include a commitment to make a good faith effort to resolve any consumer complaints. Members of the Corporate Advocacy Business Remediation and Customer Satisfaction program do pay a fee for our on-site review, 24 hour monitoring and for support with customers to resolve any disagreements.

Ripoff Report sends a 3rd party service to do an onsite inspection of the new member business. The on-site inspection / review does not mean that the products or services offered by the business have been evaluated or endorsed by Ripoff Report, and has not made a determination as to the business' product quality or competency in performing services. We can verify, that Ripoff Report went to the business, verified their business or “work from home business”, there for, if a customer in the future does not get treated correctly, Ripoff Report can get the problem resolved. If not, and the customers is right, the member business will be taken off the Corporate Advocacy Program. Remember, Ripoff Report emailed every customer from the past that filed a complaint to make sure the member business made things right with customers from the past. Again, to err on the side of their customer, those from the past and those in the future.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. This program works.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.



Beyond Breakeven Inc. Ed Keels Candace Keels Tampa Florida


Ripoff Report would like to let readers know that Ripoff Report emailed this customer so the member business could make things right with them. When a business joins the Corporate Advocacy Program, Ripoff Report emails everyone from the past so the member business can make things right with them. Of course, everything within reason. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer. The author of the Ripoff Report below never responded to our offer to help them. The Report below should be taken with a grain of salt.


This author did not fully check her facts and based much of her negative comments in her report on the previous report. A report which we have proven to be full of lies, untruths and libelous statements. Specifically, with regard to alleged kickbacks which do not exist.



We will make this short and sweet.  Everything we state is based upon our own direct experience and discoveries. 

1. We found value in some of the business consulting advice on its own merit.  Ed should just sell that. 

2. We were told that we will be prepared in this process to speak to investors.  There are no investors.  We were told that there are sources at Ed's disposal that are not available to the masses.  Anyone can access those same sources with an easy Google search.  The unfortunate thing is that we knew none of this until the final funding plan deliverable. 

3.  Ed was upfront that he does receive a fee from the SBA when he gets you an SBA loan.  That is not unusual- many consultants and firms receive the same fee.  He did not openly share that he also receives a referral fee from some of the "sources" that he uses in the funding plan.  If you receive personal benefit from a referral you make to a client, you have an ethical obligation to disclose that benefit.  Ed did not disclose that to us.  If you are considering working with Ed, our advise is to ask him point blank if he receives any commission, referral fee, kick back, etc., from anyone other than the SBA.  If he denies it, have him put that in writing for you. Our position is that full disclosure is required when you are paying a consultant and he stands to personally benefit from the advice he provides.  

4. The business plan was touted as the most incredible, indisputable, incorruptible business plan ever created.  It's not. In our opinion, we wrote most of the plan- all BB did was put our work into a template.  We have the emails with the language verbatim. 

5. We were told repeatedly (and it was a formal "strategy" in our funding plan) of the need to build business credit.  To be sure, the establishment of a solid credit profile for any business is a necessity.  We recall one recording where Ed explains that when financing is sought, that it is sought for the business, not the individuals.  In our funding plan, the establishment of corporate credit was a key "strategy" to obtaining funding- but was number 4 on the list of "strategies".  Numbers 1-3, without exception, required the use of our personal credit and taken out as personal obligations.  All three of those strategies, by the way, are available for someone to look into via Google. None are properitary sources to Ed Keels.  

6.  Speaking of sources, we did not expect the funding plan to include such genius strategies like Kickstarter, family loans, investors, etc.  Does anyone of merit, after working with a client for a year, think that these strategies are new and revolutionary?  And why would those strategies not be discussed early on in a project?  It made us extremely upset to sit and listen to Ed talk about these options as if we were fresh from our mother's womb, and that it took Ed to show us to borrow money from friends and family.  Pure genius. 

7. One of the sources was a credit card conversion product, similar to that described by the other report on this compay.  That product was not outlined for what it was; rather, when we brought to Ed's attention what the product offered actually was, he coldly (and harshly) told us he knew what it was- we didn't need to explain it.  Well, if you knew what it was, and how potentially dangerous the solution was, then why for the love of all that is holy didn't you take the time you paid for to detail and explain it so that we could make an informed decision?  Could it be because there was a personal stake in it for Ed?  We don't know- we just know that it calls motives into question in our minds.  We also thank our stars we did not pursue it. 

We could go on.  We feel that Ed does provide a value, but it is wrapped up in this whole charade of unlocking financing when everyone else says no.  We hope to inform everyone that if the answer is "no", it is for good reason.  That doesn't mean you need to give up on your dreams; nor does it mean you have to get sucked into a wormhole of financial trickery, either.  There are valid options out there that you can and should puruse- without having to pay someone $6000.  

One last thing on the fee- Ed says it's not a fee, but a savings.  His own blog says that, in addition to a down payment,  "The person would have to pay around $30k in fees to professionals like Business Valuators, Forensic Accountants, Deal Structurers, Business Plan Writers, Loan Packagers, Incorporation Companies and Attorneys. When you consider that we do all of the needed professional work in house, and provide funding resources that do not require a down payment (thereby eliminating the need for our client to come up with around $70k to $100k), then our $6K fee doesn't look like a cost..."

Some help for those interested on the above:

a.  There are sources online on how to properly evaluate a business.  Free.  

b.  Forensic accountants? Maybe.  But we did not see any of that, either, with this service. 

c.  Loan packagers?  Guess what- they get paid the same way we believe Ed makes some of his money, at least based on what we came to learn.  Finders fees. 

d.  Ed did not incorporate us.  He told us to file with the Secretary of State.  We knew that already. Value add? Zero.

e.  Your attorney represents you and only you.  Period.  And for all the talk about how much attorneys will cost you, Ed is quick to point out that he is not an attorney in all of his written documentation.  Get an attorney.  

f. As for everything else, it has value, but not as much as Ed is placing on them in our opionion.  What we will say is that a professional in each of these areas may cost you more, but will deliver what you pay for and will work only in your interest, in our opionion.  

This report was posted on Ripoff Report on 08/04/2015 09:41 AM and is a permanent record located here: https://www.ripoffreport.com/reports/beyond-breakeven-trusted-business-ripoff-report-verified-businesses-you-can-trust-since-2003-ed-keels-and-his-staff-at-beyond-breakeven-inc-bbi-have-been-helping-wannabe-business-owners-with-deal-structures-that-provide-business-loans-and-business-credit-when-banks-wont-beyond-breakeven-has-developed-more-than-one-hundred-ways-to-fund-a-business-acquisition-and-do-so-with-little-to-none-of-the-buyers-own-money/tampa-florida/beyond-breakeven-inc-ed-keels-candace-keels-tampa-florida-1246281. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#6 Author of original report

We are speaking to our experience.

AUTHOR: - ()

POSTED: Monday, August 31, 2015

We appreciate your opinion and comments with regard to your experience with Beyond Breakeven, Inc.  This forum is not intended as a bulletin board for all commentary, but rather to allow those who felt wronged by the service received to have a voice. 

The rebuttal function is open for the business owners/representatives to defend themselves, to which we note that as of this writing has not yet occurred. While it is fine for the business owner/representatives to reach out to former and current employees, vendors and customers to post something positive on their behalf, it would likely be much more effective for readers to see direct rebuttal on our points.

We do not invalidate your comments on your particular experience with Beyond Breakeven.  Those are your comments with your experience.  We have posted our comments on our direct experience, of which your comments cannot speak to as you had no direct involvement in our relationship, service or experience with Beyond Breakeven, Inc. 

We stand behind our comments.  We feel that if you are trying to open up a scrapbook supply store, a wholesale heating and cooling supply, a health food option for calzones, a smoothie or a roller rink, or whatever it is, you should receive the services that are advertised from your chosen vendors, suppliers and partners with full disclosure on any hidden fees or revenue.  If you don't receive those services as described, you have the right to voice your comments on your direct experience (assuming you are still operational and wish to do so).  

As the BBI website posts, the client testimonial section are compliations from "many different clients and are not representative of any one client".  While BBI may find it suitable to have comments posted herein from many different people, including those that have not paid for services at all (former employees, vendors, for example) so as to compile a single view, the fact remains that we are speaking to our view and experience solely with this thread. A compilation response is not necessary. 

Good luck with your endevors. 

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#5 Consumer Comment

WOW, Thank for making my dreams come true

AUTHOR: Randall - (USA)

POSTED: Sunday, August 23, 2015

What a great company. I am very pleased the with success that I have with my business and I owe it all to Beyond Breakeven. By following their step by step coaching and advisement, it really made my experience working with them a blessing. I like to say thank you and thank you for the continuous support for the last 20 month's. You have gone and proved loyal to your clients by going Beyond the 1 year membership. Again, Thank you

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#4 Author of original report

Client View

AUTHOR: - ()

POSTED: Friday, August 21, 2015

We appreciate your comments on Ed and Candace Keels.  We were not speaking to their worthiness as employers, friends, parents, neighbors or even as human beings. 

The views expressed in our report are directly tied to our experience as their clients.  We are speaking to our own opinions and the cirmstances around our own interactions with the Keels and Beyond Breakeven, Inc. 

We are not questioning the validity of your comments, simply that they do not apply to our view. 

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#3 Author of original report

Our View is Represented

AUTHOR: - ()

POSTED: Friday, August 21, 2015

We appreciate your comments regarding both your personal and provider relationship views with both Ed and Candace Keels.  

We were not speaking to their worthiness as customers, parents, neighbors or even human beings.  What we spoke to tied to our direct experience as clients with the services outlined in our post. 

We are sure that your comments are genuine.  They simply do not apply to ours. 

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#2 Consumer Comment

Awesome Company! Behind-the-Scenes Info!

AUTHOR: Jeanne - (USA)

POSTED: Wednesday, August 19, 2015

My relationship and experience with Ed and Candace Keels of Beyond Breakeven, Inc. comes with a behind-the-scenes perspective that gives me a unique look into their knowledge and ethics of the business-buying and start-up processes. I say “behind-the-scenes” and “unique” because I am not a client of Beyond Breakeven, rather Beyond Breakeven is a client of mine. My relationship and dealings with Ed and Candace have not been limited to a 6-month or 12-month or even a 24-month time frame, as most of their clients’ relationships have been. I have known and worked with Beyond Breakeven for seven years as a graphic and multimedia designer. Furthermore, a lot of my work with Ed and Candace is in-person, not just by phone or email, so I feel I know them even better than most of their clients.


Ed Keels is passionate about what he does. He truly cares about his clients and their success. Beyond Breakeven’s mission statement, “Empowering the Entrepreneur,” is not just a tagline to Ed and Candace. It is their entire essence, professionally and privately, and the primary reason for Beyond Breakeven’s existence. Over the years, I have met with dozens of Beyond Breakeven clients from around the country and heard their personal stories about Ed, Candace, and Beyond Breakeven. Unfiltered, unsolicited stories—on-the-record as well as off-the-record—about their appreciation for how Beyond Breakeven helped them start or buy a business; how Beyond Breakeven had changed their lives for the better; and how Beyond Breakeven helped them take control of their own financial destiny through business ownership. Many of these clients confirmed to me that they were able to close their deals with little or none of their own money, just as Ed had told them they would be able to do.


Simply put, I do not question Ed or Candace’s integrity, passion, or commitment to each of their clients’ projects, or Beyond Breakeven’s depth of knowledge and experience in the entire business-buying and start-up processes. I have seen first-hand how Beyond Breakeven operates and how they go the extra mile for their clients. They want their clients to succeed and prosper and they are determined to make that happen. Just as they have done in countless business startups and acquisitions for their clients through the years: empowering the entrepreneur!

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#1 Consumer Comment

Great People, Great Company!

AUTHOR: Bill - (USA)

POSTED: Wednesday, August 19, 2015

I have known Ed and Candace Keels for more than six years, having worked for Beyond Breakeven, Inc. as an independent contractor during that time. I am a videographer and audio engineer so I have had the opportunity to interview and record Beyond Breakeven client testimonials all across the United States. I usually video each client testimonial at their own business which Ed, Candace and Beyond Breakeven helped them buy or start. No one from Beyond Breakeven is with me so the client is free to say whatever he or she wants to say about his or her experience with Beyond Breakeven. There is no script. The clients’ statements are spoken in their own words and, from my perspective being right there with them, I believe the clients are speaking truthfully and candidly about how pleased they are with Beyond Breakeven and the business-buying and start-up processes. All of the clients comment on how grateful they are to Ed and Beyond Breakeven for providing guidance, knowledge, and the funding structure that made their deals fly. Some even speak of Ed and Candace as if they were part of their own family.


Now let me tell you about the Ed and Candace I know personally. I have met all of Ed’s children and his dad. I see the mutual love and respect between three family generations. I hear what his three kids (all adults) say about their father. (Last Father’s Day they created a surprise music video tribute to their dad that would melt your heart.) I see how Ed speaks of his dad, and how his dad speaks of him. Through all these family interactions I see how Ed and Candace really care about people, not just their immediate family, but their extended family of clients as well. They are honest, genuine “people people” who really want to see their clients succeed and their businesses flourish.


Ed Keels wants people to take financial control of their lives. He hates how big businesses and corporations often take advantage of their employees by not paying a fair wage or by overworking them on a fixed salary. Ed believes the best way for people to create financial security for themselves and their families is through business ownership, where hard work is rewarded with appropriate compensation; where being your own boss also means carving out quality time to spend with family and friends; and where working at something you are passionate about creates a fuller life for those fortunate enough to experience it.

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