Report: #1194477

Complaint Review: Ripoff Report | US Business Funding Verified TRUSTED Business | Ripoff Report Verified™ …businesses you can trust. US Business Funding providing clients the financial solutions they need to continue and grow success. US Business Funding, a variety of useful services, including vendor programs, capital equipment loans, leasing solutions. US Business Funding over 9 years’ experience in the industry, committed to client satisfaction. - Santa Ana California

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  • Reported By: Bill Willis — Roseburg Oregon
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  • US Business Funding Verified TRUSTED Business | Ripoff Report Verified™ …businesses you can trust. US Business Funding providing clients the financial solutions they need to continue and grow success. US Business Funding, a variety of useful services, including vendor programs, capital equipment loans, leasing solutions. US Business Funding over 9 years’ experience in the industry, committed to client satisfaction. 1231 E. Dyer Road Suite 268 Santa Ana, California USA
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  • Category: Loans

US Business Funding Verified TRUSTED Business REVIEW: US Business Funding clients feel secure when doing business with us because we are not focused a single transaction, but on their long term financial success. US Business Funding clients feel confident that they are being directed towards a beneficial product that will engineer their growth and improve their financial future. Commitment to Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program benefiting consumers, ensuring complete satisfaction & confidence when doing business.

*UPDATE: US Business Funding recognized by Ripoff Report Verifiedâ„¢ as a safe business service.

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REVIEW UPDATE: June 7, 2018: US Business Funding remains committed to increased customer satisfaction and has improved their business practices over the years to better serve their customers. US Business Funding is truly dedicated to making sure their customers are satisfied and that any complaints which do arise are addressed promptly and fairly.

To date, US Business Funding 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, US Business Funding 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 US Business Funding 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 US Business Funding for its full commitment to quality customer service.

Ripoff Report's discussions with US Business Funding 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. US Business Funding 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.

US Business Funding's principal, Mr. Peter Ribeiro, has informed us that his belief in customers first, clients success and long term partnerships are at the very core of what drives him and his team each day. Mr. Ribeiro stated time and again that the measurement of success for US Business Funding has been based upon the ability to generate long term customer relationships, partnerships and recruit team members who look far past the end of the month but into years to come when measuring what is best for clients.

Another top Executive, Credit Manger Hemi Shah, stated that Mr. Ribeiro’s personal philosophy is that "it’s okay to make mistakes when you try like hell, just don't make the same mistake twice and never let the customer down" drives each member of the team to help US Business Funding become the best in the industry. With us you receive simple and effective funding that will allow your business to achieve growth and goals without the burden of long term debt obligations.

One of the things Ripoff Report learned in the course of its review is that typical customer feedback reads, "US Business Funding truly communicate all aspects of the service in a timely and effective manner. We are very pleased with the responsiveness that the employees show us. They are serious about meeting commitments, and deliver on their promises."

US Business Funding 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 Peter Ribeiro during an onsite inspection held by a third party verification company with no biases towards US Business Funding

US Business Funding provides equipment leasing and financing too small to medium size businesses in all fifty states in the United States. CEO Peter Ribeiro stated the following about his company, "our vision is to provide affordable, effective, small equipment leasing and financing, and working capital lines of credit. Our real model is to not only offer products, but really consult a consumer...on not only what are the best rates, but also what is the best return on investment for the client." US Business Funding believes that the banking industry is flawed through it's controlling of consumers with rates. Mr. Ribeiro further stated, "rates are not indicative of a great return on investment or of what the total cost will be. So our consultants that are highly trained, and go through about 6 months of training before they are allowed to get on the phone and close transactions, are trained to look at not only what the best price is from a rate perspective, a total payback perspective, but also make sure that the client can afford the monthly payment for that product."

Leads for US Business Funding are obtained primarily through cold calling, email marketing, search engine optimization, and strategic partnerships with several equipment vendors. A potential client will typically reach out to US Business Funding with their inquiries, and from their a senior account representative will call the potential client to further explain their services. Mr. Riberio further explained, "once we have an idea of whether it’s a piece of equipment or a line of credit they’re looking for, if they qualify for it, we will send out a one page application. The client will fill it out with their pertinent business information: First, Last names, SSN, Tax ID Numbers, Address, Gross Annual Sales, some basic information where we can then pull all of that information from that application, along with their business and personal credit to make sure they qualify for one of our products. The turnaround time on that first stage is typically a business day or so, to get it approved is typically about a 4-5 hour turnaround time. The rep will then put all the most attractive products that we have together, and see which one will best fit the needs for that specific consumer. The consumer will pick which product will best fit his business model, we will send the paperwork, the individual will fill it out, send it back to us. Typically within 2 to 3 days we will either pay the vendor or we will fund the client internally if he is looking for a cash advancement."


During the onsite interview Mr. Ribeiro was asked to describe a situation where a client was not satisfied with the level of service they received. Mr. Riberio expressed that a part of their process involves collection their first and last payments up front. Mr. Riberio further stated, "what happens sometimes is we’ll go ahead and send the agreement out, the client will sign it, we’ll process the deal, we’ll prefund the vendor, we’ll usually give them 50% on the front end, until the asset is delivered to the client, then we’ll usually release the other 50%. A lot of times, our main complaints, I think we only have a couple, would be that the client wants to back out of the transaction and unwind it. Well if we’ve already allocated the funds to the vendor, and we’ve already prefunded the deal, there’s no way of unwinding the deal." When situations like this arise Mr. Riberio expressed, "we understand it’s very expensive to get a new client, and it’s very cheap to retain them once they’re satisfied. It’s very difficult to gain business for a new client. So, we’re really always trying to put our best foot forward. Of course, as is natural, not every client is going to be happy with the process, but we move about 1.2 billion dollars a year here between our working capital products and equipment products, so having a couple complaints is common."

When asked to comment on complaints posted on Ripoff Report's website Mr. Ribeiro expressed that the comments are fictitious from either employees or competitors. The additional comments were directly in correlation with a company that they conducted business with that ended in a lawsuit that US Business funding won.

When asked what type of changes they have made to honor their commitment to make things right with the consumer per the request of Ripoff Report, Mr. Ribeiro stated, "as our company’s grown, one thing that you have to do is have a Customer Service or complaints department. Everything we do, from deposit checks, we verify the signature on the driver’s license with the signature on the documents, so we make sure that that individual’s giving authorization for USBF to debit their account."

US Business Funding is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program, "It’s another step, Ripoff Report is a reputable company that obviously has been around for 20+ years, and just like the BBB it’s always good to be part of an organization because it shows the level of US Business Funding’s commitment to answer any complaints or at least respond to most complaints. I think that the companies that aren’t reputable, that don’t care about organization that don’t take the time to rebuttal to the customer's complaints; one thing that’s great about the corporate advocacy business remediation customer satisfaction program is that before complaints are filed, Ripoff Report will act as an intermediary between the business and the consumer, which then allows us to have someone to do some mediation before you make such a small problem such a big issue online. Just being part of the organization and growing with them will give us the opportunity to be in better contact with the clients, and should a client ever have an issue, it will give USBF an opportunity to make the situation right before it gets posted online. More than anything else, it’s great to be part of any organization that takes care of its consumers."


" We are one of the top commercial lending companies in the country, helping fellow business owners finance their dreams, passions and livelihood makes coming to the office more than I could have ever dreamed. When you give us the opportunity to work with your company, we expect that each and every time we funding an equipment loan, a line of credit or a working capital loan we are pushing you one step closer to achieving your dreams. Please take the time to review our website to understand our history and the people who are here to help you achieve your goals.

US Business Funding's team has expressed they feel that only when clients have achieved their own goals have they done their job. It is a fortunate position to be able to come to work every day knowing that when you do your job, someone else is that much closer to achieving their dreams and providing for their family. US Business Funding takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "US Business Funding provides a very positive and challenging environment to work in. We expect our team members to embrace each day as an opportunity to get better and to better serve each other. Mr. Ribeiro is always concerned about the wellbeing of team members as well as providing recognition for their contributions to the company’s success. Time and again he has allowed for team members to take time to deal with family issues and health issues without concern for their job security, often with full pay and benefits."

Ripoff Report was pleased to learn that US Business Funding's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.


US Business Funding 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, US Business Funding 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 Hemi Shah, Ripoff Report is convinced that US Business Funding 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 US Business Funding 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.



US Business Funding Peter Santa Ana California


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.


Client committed fraud and illegally altered invoices in attempt to defraud US Business Funding and our lender. State of Oregon cleared us in this matter. Furthermore the consumer complaint under initial complaint is a fraudulent complaint by a former employee who was fired for ethical reasons, not to mention after a year he still is unable to spell Peter's last name correctly which we have used as evidence.



We were solicited by US Business Funding (in Santa Ana, CA) for a business loan,  We completed the paperwork and received notice of approval for a

$150,000 loan. We were then asked to fax a copy of the check we were going to use to pay the first and last month payment with, and then

sent the check and papers overnight to the company. After faxing the check I called them to

stop the process, they would not answer my call and instead cashed the fax copy

of our check for $5,915.00. To this date they have not funded a penny or given a refund.

This report was posted on Ripoff Report on 12/10/2014 12:15 PM and is a permanent record located here: https://www.ripoffreport.com/reports/us-business-funding-verified-trusted-business-ripoff-report-verified-businesses-you-can-trust-us-business-funding-providing-clients-the-financial-solutions-they-need-to-continue-and-grow-success-us-business-funding-a-variety-of-useful-services-including-vendor-programs-capital-equipment-loans-leasing-solutions-us-business-funding-over-9-years-experience-in-the-industry-committed-to-client-satisfaction/santa-ana-california-92705/us-business-funding-peter-santa-ana-california-1194477. 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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#5 Consumer Comment

Peter and US Business Funding has done the same thing to me too, taken over $3 grand

AUTHOR: - ()

POSTED: Thursday, December 10, 2015

Peter Riberio and US Business Funding has done a similar strategy to me also.  They still have over $3000 of my money and they have not given it back no matter how many times I called them.

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#4 REBUTTAL Owner of company

Legal Disposition

AUTHOR: Champ3 - (USA)

POSTED: Monday, May 18, 2015

Regarding this accusation. First and foremost we are currently naming any and all companies which are currently making defamation statements on social media platforms such as ripoffreport in our lawsuit. We have legal and binding agreements from every customer stating the process of our loans in which this particular customer was dishonest and untruthful on his application and business credit. 


The company Leasing News specifically are in litigation due to unlawful defamation with monetary value for the owner since KIT Menkin owns a leasing company in addition to owning Leasing News. There is obvious value for Mr Menkin to slander other leasing companies for his own benefit.

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#3 REBUTTAL Owner of company

Non Disclosure

AUTHOR: Champ3 - (USA)

POSTED: Monday, May 18, 2015

This customer whom is stating non facts. This issue has been remedied through our legal department. We have signed documentation that if your application is fabricated then you forfeit your deposit due to fraud. US Business Funding is in the business of providing business loans and equipment leasing to legitimate customers who qualify.

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#2 Author of original report

Illegal retention of funds!!!

AUTHOR: Bill Willis - (USA)

POSTED: Monday, April 20, 2015

*** You cannot keep the deposit if the loan is not funded!

*** $6,000.00 is a lot of money for a loan not funded.

*** US Business Funding took $5,915.00 from my Company

*** Took more then $6,000.00 from a trucking Company in Washington.

*** BBB in San Diego gives them an A+ rate with 13 complaints this year!


*** Can someone stop this abuse???  I'll help!!!

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#1 Author of original report

Lots of victims... not just me!!! $5,915.00

AUTHOR: - ()

POSTED: Monday, April 20, 2015

I am just one of dozens of people that have been cheated by Peter Ribeiro.

He stole$5,915.00 of my company’s money. He has no license to lend money in California, or Oregon. I just received a call from a trucking company in Washington… SAME STORY. Peter was not cleared by the Justice Dept. in Oregon, they said they had no jurisdiction over this California Company. US business Funding has taken the deposits from many people and not completed the loan or refunded the money. The lending law says they cannot keep the deposit if the loan is not made.


A company by the name of Leasing New in Saratoga Calif.(408-354-7967)

Is also looking into this matter.


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