interactive media award logoBORROWMONEY.COM, 2016 AWARD WINNER 

What is BorrowMoney?

BORROWMONEY.COM, INC. IS A PUBLIC COMPANY KNOWN AS BORROWMONEY.COM

(FILER) CIK:0001656501 (SEE ALL COMPANY FILINGS)

A Fintech leading online loan marketplace with one of the largest networks of lenders in the nation. Our service provides consumers a way to connect with multiple lenders for a number of financial borrowing needs. From the comfort of their homes, consumers can fill out one simple form and are able to shop, compare, and save on the loans they need. By creating a My Borrowmoney account, consumers are able to track their credit score – updated monthly with insights into which factors are negatively impacting their score, review all loan and credit card accounts and are even notified when Borrowmoney identifies a savings opportunity based on real-time loan offer data. And the best part? It’s free.

BorrowMoney.com also offers a variety of informational resources and tools for borrowers to help manage their finances and have an informed experience.

What sets us apart from our competitors?

BorrowMoney.com - the name says it all. We won’t let you down, our proprietary technology and service is built to service you in your local zip code. We are all about the financial you need every day till you no longer need to borrow money, but still be there for all your other financial needs. It's time to get back to basics, borrowing money starts with personal financial information relationships to be there from your Local and Online nationwide lenders, that can make that happen better then impersonal lenders locate thousands of miles away that have no idea where your town is. Let alone what is best for you. Borrowmoney.com Has built a Trusted network of Local and Online nationwide lenders that care about you and the community where you live and have a stake in how well it does. They can take the time to get to know you and your financial needs and won’t treat you like a number. Our goal is to match you with lenders that offer the best financial deal for you in a simple to understand language. We are committed to simplify the process between lenders and consumers. 

BorrowMoney.com the right name for the right purpose

How does BorrowMoney make money?

BorrowMoney gets paid by our lenders partners and other financial services providers in order to compete for your business. We play the role of matchmaker introducing lenders and people who need loans (or other services). We provide local and nationwide advertising service, local and nationwide real-estate listings service, including lender and realtor licensing verification within our platform.

What can BorrowMoney do for me?

 We can guide you to be better informed, make sound financial decisions and save your  personal and business money. We will match you with local lenders, or online nationwide lenders partners that you can trust will meet your needs and financial goals. if you need any type of loan you can apply on our secure website, fill out a simple fast, safe, and secure form and get an immediate response from our competing local lenders or nationwide lenders partners. We provide you with our nationwide free online real-estate sale and rental listings search on our website, free search and find a verified licensed realtor, sales agents, brokers, lending institutions and mortgage broker, including rating and profile.

Top 3 Reasons to Shop Locally for Your Mortgage

Finding the perfect home is only the first of many steps in your journey to being a homeowner. After deciding you've found the right one, you still have to find the right home loan to pay for it.

Shopping for a mortgage exposes you to everything from online to local lenders, each with its own perks and features. However, local banks offer benefits that online lenders can't—without sacrificing your time or convenience. 

1. Familiarity

As part of your community, local banks know where you're coming from. You're more than a customer. You're a fellow sports fan, grocery-store-goer, and neighbor. 

Getting your mortgage locally results in a customized process that truly fits your unique needs. You work face-to-face with bankers who take your home search personally: asking questions to find the mortgage that fits, and then going the extra mile to make it happen.

With online lenders, it's easy for your application to get lost amongst all the others. Online sites surfaced in response to homebuyers' search for convenience, but at the cost of personalization. Getting a mortgage online therefore makes you part of a standardized procedure, rather than a customized process.

2. Faster Process

When you've finally found the perfect home, there's no time to lose in purchasing. The local decision-making that occurs in most community banks keeps loan approval processes moving more quickly.

Smaller banks cultivate a deeper understanding of their community and regional economy, learning the financial landscape and how best to navigate it—in any situation. And, since they already know you, they can make personalized recommendations in less time than online lenders.

Local bankers can also keep you informed as your loan moves through the approval process. With less applications to sort through than online lenders, your banker can personally track your loan’s progress, let you know of any holdups, and partner with you—in person or over the phone—to be as efficient as possible.

3. Flexibility

All financial procedures come with guidelines and criteria, and mortgage loans are no exception. Online lenders, with vast amounts of applications, often lack the capacity to work outside those guidelines. As a result, homebuyers who don't meet every criteria risk not qualifying for a loan. 

Local banks adhere to different loan approval criteria that allow them to be more flexible. For example, some will keep mortgages on their own records, rather than selling to government-sponsored enterprises Fannie Mae and Freddie Mac. This relaxes their guidelines and can help homebuyers who perhaps don't qualify with larger banks, such as those with lower credit scores or irregular income. 

Online lenders typically base loan eligibility on FICO scores. And while local banks do, too, most of them will look more closely at your assets and other income when determining your ability to make mortgage payments. As mentioned above, local bankers know your situation and know where you're coming from—and that helps them help you.

Let’s do this together.

Our story

Aldo Piscitello, born in 1952, immigrated to the United States from Naples, Italy in 1969.

Developed a professional relationship with the local bank, securing many loans. Through his hard work, Aldo developed a reputation of trust and integrity. As a successful entrepreneur, he founded and developed numerous successful businesses in various industries, including the internet industry. 

Over the years, Aldo watched as local banks lost its personal banking interactions. It became obvious to him that large financial firms were headed a grim direction. Aldo’s prediction lead to the online fintech concept and development of BorrowMoney.com. In 2010, Aldo began utilizing the company’s most valuable asset – its name. Fortunately, BorrowMoney.com was already in his possession since 1987. 

Swiftly seizing this business opportunity, Aldo hired a team of skilled IT personnel to create and cultivate a database comprising of every mortgage broker, lender, bank, and lending institution- including real estate brokers and salespeople – in the United States. This was used to implement the Local And Online Lending business model, Since he founded the company in 2010, Aldo has served as Chief Executive Officer, President and Director. All his time and energy has been dedicated to developing and advancing BorrownMoney.com. His responsibilities include securing and patenting the company name, developing the programs and platforms, marketing the products and services, as well as overseeing the everyday operations of the business. 

Furthermore, Aldo’s position on the Board has benefited the company greatly by allowing him to apply his own business experiences, and guiding managerial perspectives for a full scope of matters, such as the necessary preparations needed to bring the company public


BorrowMoney.com

Name recognition and objective for borrows/consumers  is to create and establish a personal online social interaction with their lenders for faster and BETTER RATES  

BorrowMoney.com 

Name recognition and Objective for lenders/bankers is to generate awareness by deploying concentrated local And Nationwide campaigns social media to maximize  business within their zip code

 

Borrow Money Management team and board of directors

CEO/ Mr. Aldo Piscitello

Aldo Piscitello - Director, Chief Executive Officer and President.  Mr. Piscitello has served as a Director, Chief Executive Officer and President since he founded the Company in 2010.  In his capacity as Chief Executive Officer, he has spearheaded the development of the Company’s products and information delivery systems, including procuring the Company’s most valuable asset, the name BorrowMoney.com. Prior to his involvement in the Company, Mr. Piscitello was a very successful entrepreneur,   founding and developing numerous successful businesses in varying industries. In 2010, Mr. Piscitello began the development of BorrowMoney.com, Inc. which he now devotes all of his time and energies.  Among his responsibilities were the securing and patenting the name,  developing the program and platform the company is using, marketing the products and services to the industry and seeing to the everyday operation of the business.  His position on the Board will allow him to lend the company all of his business experience and guide management’s perspective over a full range of issues affecting the company.   


 Director

Mr. Adam Frost 

Mr. Frost has over 30 years’ management experience ranging from reporting to Director Heads to heading up teams of over 100 employees. Mr. Frosts past responsibilities have included managing director of Dean Capital Group Inc., an O&G private equity firm, CEO and managing director of Go Wireless Communications, CEO of Americas Lending Choice, CEO and managing director of multiple security companies, currently Get Smart Security inc.


 

 

Director

Mrs. Nancy Alario

Nancy Alario is a business executive with an extensive background in the medical, food and

 

financial lending industries. Nancy sits on the Board of Directors for BorrowMoney.com

 

providing financial lending guidance and expertise.

 

Professional Experience:

 

President of New Vision, LLC (2009-Present), a consulting company focused on assisting

 

businesses and organizations expand their business profits through modern marketing and

 

financial funding

 

Chief Financial Officer (2009-2018) for multiple medical offices in NJ, NY and FL. All offices

 

saw great success and profitability under the direction of Nancy and her expertise.

 

Chief Operating Officer (2017-2019) for a successful funding company, where she was

 

responsible for recruitment of clients in need of commercial funding. She would screen them for

 

the processors and underwriters, to eventually get clients funded. In doing so, Nancy has

 

achieved multimillion dollar funding for her clients.


Director 

Mr. Frank Micali

As a graduate from St John’s University, Frank went directly in world of Finance. In 2000, Frank starts as a mortgage loan officer for a local bank. Within a few years he was negotiating residential, commercial and mixed use mortgages as well as alternative financing. Frank spent the next few years working with buyers, sellers, appraisers, real estate attorneys, insurance brokers, home inspectors and anyone else needed in order to close the transaction. 

 

Director 

Ms. Svetlana Coliban

International relation

lana@borrowmoney.com

 

Svetlana Coliban

 

Marketing Manager Director 

 

BorrowMoney.com, Inc.

 

Miss Svetlana Coliban – Holds a BA in economics & management at Paris 8 University of France since 2012, A master’s degree in Communication and Marketing and a master’s degree in international business developmental at Pole Paris Alternance Business School of France since 2014. Miss Coliban was immediately recruited by Gallerie Diurne in Paris, to be in charge of international business development, based in Paris, then New York. While in New York she managed and coordinated all international business development, sales, marketing, identification and research of potential leads and opportunities, appointments with new and existing clients, including trade shows, exhibitions, And Dealing with a diverse range of clients in the private and public sector. In 2018 miss Coliban obtains Salesforce Certified Administrator certification. The program encompasses the breadth of applications, the features and functions available to an end user, and the configuration and management options available to an administrator across the Sales, Service, and Collaboration Clouds. Miss Coliban’s one of many personal skills are the ability of Fluent English, French, Russian and Romanian Bilingual, which enhance her work experience including processing good team spirit, deadline oriented and having the ability to succeed in demand sales environment. She is committed to liaison to the host of user group of Borrowmoney.com, Inc. board of directors, this involves participating in all of the board meetings, planning the conference and ensuring that work closely together to best serve all of our users. When not working at BM, Miss Coliban is a Project Manager (since 2019) at Modis, part of Adecco Group, where she manages and deliver CRM and CX transformation projects at clients, in an Agile mode. Projects vary from strategic discoveries to CRM implementations (with Salesforce as enabling technology). Miss Coliban drives high performance from people while fostering collaboration across businesses and borders in order to meet the clients’ and Modis’s key objectives. She leads by example and develop high-performing people and teams by challenging, supporting and continuously coaching them. Last and not the least, she acts as an entrepreneur and contribute to the growth of our business.

 Project Management, Sales Representative and International Business Development

 A results driven, committed and articulate Sales Representative and Project Manager with excellent communication skills and a high level of customer commitment. Multi-skilled with the ability to plan & manage territory whilst and maintaining & developing existing and new customers through ethical sales methods and consistent high customer service. Possessing a good team spirit, deadline orientated and having the ability to succeed in a demanding sales environment

ACADEMIC QUALIFICATIONS

Business School, France - Master Degree in International Business Development 

Business School, France - Master Degree in Communication and Marketing

University Paris, FranceBA in Economics & Management

2014 Graduated from a Paris Major Business School in France. Student award with a display on the School's wall of FAME.

AREAS OF EXPERTISE

Closing sales, Account management, Lead generation, Identifying sales opportunities

Extensive product knowledge, Client conversion success, Project Management 

Research and Strategy

PERSONAL SKILLS

Building relationships, Highly motivated, Social skills, Good communication and interpersonal skills, Collaboration skills, Negotiation and Persuasion skills

Project Management Skills, Business Intelligence

Proven experience in launching new products
Professional style of communication & ability to build rapport with prospective customers 

CERTIFICATION

MS Office suite, web 2.0, Microsoft, IOS environments, html analyst 

LANGUAGES 

French - bilingual, Russian – bilingual, English – bilingual professional, Romanianbilingual

 Director

Robert Carrington

Sparta, NJ • (718-801-7770) robertcarrington@gmail.com

CAREER HIGHLIGHTS

  • Overseeing branch operations and was later chosen for a management pilot program in Chicago to cross train 150 Bank One employees throughout the merger at JPMorgan Chase bank
  • Developed profit and loss program and directly managed the Chase “At work program”.
  • Consistently met and exceeded profitability year over year by 20%  growth.
  • Led all campaigns by successfully achieving district, regional and national goals year over year with 20% growth.
  • Chosen for HSBC Global World Executive Training Program in 2008.
  • Improved profits and ensured team success in the areas of loans, investments, savings and wealth management with continued year over year growth by 15% consistently
  • Guided BBK Bank with rolling out a new product marketing plan that brought in 8% growth in 3 months.

PROFESSIONAL EXPERIENCE
 

Market Executive Manager  2018 to present

Investors Bank, Warren, Morris and Hunderton county

Manage retail banking operations for the North Jersey market,Two billion in deposit and several Billion in lending oversight. a retail staff of 200 employees with 86 direct reports. I sit on several boards as an advisor for NFP's and foundation activity. Liason between COO and CEO on major decision to inculde vendor and new IT products. SME on salesforce and Fiserv systems. Ranked

first in company consistenly for revenue and market P&L

Director Of Retail Banking 2016 – 2018

North Jersey Federal Credit Union – Totowa, NJ

Responsible for the management, growth and service delivery of the Retail network. Create and execute strategic plans that will enable revenue growth, customer retention, and sales & service delivery enhancements. Streamline operations while adhering to internal policies and procedures. Demonstrate strong business acumen, strategic insight, and comprehensive knowledge of Retail organization.

Selected Accomplishments:

  • Oversee all aspects of the Retail Branches, accounting, underwriting, call center and electronic
  • Budget and P&L of the retail network
  • Lead the Sales & Service line of business, Client Experience, & CRM
  • Strategically lead the transformation of the Retail network
  • Executive Management key influencer
  • Develop and implement effective business and marketing strategies
  • Advosiory Board member
  • Develop and foster relationships within the community.

Director of Retail Banking, 2012 - 2016

Bank of Bahrain and Kuwait (BBK) via Energy International sub – Dubai and Bahrain

Directs and oversees a financial institution's international banking policies, objectives, and initiatives.  Remained current with international variances in cultural and legal issues as they pertain to banking. Responsible for the development and maintenance of banking services to international accounts.

Selected Accomplishments:

  • Designed and implemented successful training program for managers in the Middle Eastern market.
  • Study financial trends and results to perform analytical reports to Head office.
  • Was able to streamline the branches so that they would be able to run at an 3% increase.
  • Work with internal stakeholders on identifying and defining future strategic initiatives for the Bank
  • Created realltionships within the community to identify potential growth for the bank.
  • Worked Closely with CEO and Senior Staff to build marketing goals and growth objectives.
  • Put together reports of the successful marketing plans.
  • Dealt with Branch security and how to better the closing process.

Executive Banking Consultant, 2008 – 2012

Energy International LLC -  New York and Florida

Assisting high-net worth individuals with cross-border asset transfer and new accounts. Developed a consistent sales and consulting pipeline with key companies globally by creating centers of influence techniques of relationship building and networking. Guided BBK Bank with rolling out a new product marketing plan that brought in 8% growth in 3 months.

Selected accomplishments:

  • Advised clients on their portfolio, audits of M&A targets, developed strategies for structuring negotiations and underwriting acquisitions with existing assets.
  • Created a sales process and pipeline of business that facilitated consistent growth
  • Key Clients include BBK Bank, Ali United Bank Bahrain, JMS International, RPC, OPG Media/ and Batsco WLL  I was hired to assist with operations, KYC,SAR, and AML compliance and daily settlements
  • Developed a credit underwriting system and trained key officers to adhere and follow specific lending approval protocol  

Market Manager EVP, 2007 – 2008

HSBC, New York, New York

Responsible for the administration and efficient operation of managing full service branches within New York region, including operations, lending, product sales, customer service, security and safety in accordance with the Bank's objectives. Developed new deposit and loan business, provided a superior level of customer relations and promotes the sales and service culture through coaching, guidance and staff motivation, achieves individual, branch and region sales goals through new business sales, referrals and retention of account relationships. Provided leadership, training and supervision.  Responsible for attaining established region and Bank goals through active participation in sales management and officer call programs. Participated in community affairs to increase the Bank's visibility and enhanced new and existing business opportunities.

Selected accomplishments:

  • Management of Risk - Ensured compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues on CIF Profile
  • Managed Cash management, Treasury and merchant services areas.
  • Developed HSBC at work on site initiative
  • Chosen for World Executive Training Program in 2008
  • Improved profits and ensured team success in the areas of loans, investments, savings and wealth management with continued year over year growth by 20%
Bank of Bahrain and Kuwait (BBK) via Energy International sub – Dubai and Bahrain

Directs and oversees a financial institution's international banking policies, objectives, and initiatives.  Remained current with international variances in cultural and legal issues as they pertain to banking. Responsible for the development and maintenance of banking services to international accounts.

Selected Accomplishments:

  • Designed and implemented successful training program for managers in the Middle Eastern market.
  • Study financial trends and results to perform analytical reports to Head office.
  • Was able to streamline the branches so that they would be able to run at an 3% increase.
  • Work with internal stakeholders on identifying and defining future strategic initiatives for the Bank
  • Created realltionships within the community to identify potential growth for the bank.
  • Worked Closely with CEO and Senior Staff to build marketing goals and growth objectives.
  • Put together reports of the successful marketing plans.
  • Dealt with Branch security and how to better the closing process.

Executive Banking Consultant, 2008 – 2012

Energy International LLC -  New York and Florida

Assisting high-net worth individuals with cross-border asset transfer and new accounts. Developed a consistent sales and consulting pipeline with key companies globally by creating centers of influence techniques of relationship building and networking. Guided BBK Bank with rolling out a new product marketing plan that brought in 8% growth in 3 months.

Selected accomplishments:

  • Advised clients on their portfolio, audits of M&A targets, developed strategies for structuring negotiations and underwriting acquisitions with existing assets.
  • Created a sales process and pipeline of business that facilitated consistent growth
  • Key Clients include BBK Bank, Ali United Bank Bahrain, JMS International, RPC, OPG Media/ and Batsco WLL  I was hired to assist with operations, KYC,SAR, and AML compliance and daily settlements
  • Developed a credit underwriting system and trained key officers to adhere and follow specific lending approval protocol  

Market Manager EVP, 2007 – 2008

HSBC, New York, New York

Responsible for the administration and efficient operation of managing full service branches within New York region, including operations, lending, product sales, customer service, security and safety in accordance with the Bank's objectives. Developed new deposit and loan business, provided a superior level of customer relations and promotes the sales and service culture through coaching, guidance and staff motivation, achieves individual, branch and region sales goals through new business sales, referrals and retention of account relationships. Provided leadership, training and supervision.  Responsible for attaining established region and Bank goals through active participation in sales management and officer call programs. Participated in community affairs to increase the Bank's visibility and enhanced new and existing business opportunities.

Selected accomplishments:

  • Management of Risk - Ensured compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues on CIF Profile
  • Managed Cash management, Treasury and merchant services areas.
  • Developed HSBC at work on site initiative
  • Chosen for World Executive Training Program in 2008
  • Improved profits and ensured team success in the areas of loans, investments, savings and wealth management with continued year over year growth by 20%

District Manager, NYC East side Market, 2004 – 2007

J.P. Morgan Chase Bank - New York, New York

Promoted the continuous development of credit skills, product and industry knowledge, as well as general professional and management skills, through coaching and counseling. Effectively mitigated the credit risk of all lines of business (corporate, commercial and consumer) portfolios through prudent management of the adjudication processes.  Managed and maintained department credit granting policies and procedures in alignment with corporate sales strategy and bank credit oversight protocol.  Developed and recommended remedial strategies for the effective management of Watch List or impaired accounts by implementing strict compliance procedure.  Identified and analyzed areas of potential risk to the assets, earning capacity, or success of organizations by reviewing clients audited statements.  Implemented incentive programs to drive productivity and employee satisfaction.

Selected accomplishments:

  • Overseeing branch operations for 48 branches and was later chosen for a senior level management pilot program in Chicago to cross train 150 Bank One employees throughout the merger.
  • Developed profit and loss program and directly managed the Chase bank “At work program”. Consistently met and exceeded profitability for the bank through the district. Branches led all campaigns by successfully achieving district, regional and national goals year over year 20% to 25% consistently
  • Signing authority with medallion stamp approval for district, million dollar signing authority
  • managed over five billion in deposits

Consumer Business Banking-Branch Manager, 2003 – 2004

Commerce Bank Corp.-New York, New York / New Jersey

Recruiting and training of qualified multi-branch retail bank district managers. Developed and deployed new training and coaching techniques to maximize sales by management staff. Developed corporate-wide long range goals, corporate and branch objectives. Reviewed operational reports and records for compliance, branch profit and payroll budgets. Analyzed marketing potential of new and existing branch locations and recommend development or acquisition of new sites and closing of poorly performing branches. Coordinated new branch openings, closings and audits to ensure compliance to OCC/FDIC standards. Oversaw compliance of Branch Managers with established Company policies and standards, Safekeeping of company funds and assets, personnel practices, branch and transport security, sales and record-keeping procedures, overall maintenance of multi-district branches and required audits.

Selected accomplishments:

‚óŹ    Managed and Serviced automobile fleet lending

‚óŹ    Gained high net worth corporate clients ie. Jet Aviation,Hackensack government accounts

‚óŹ    Government banking Liaison

Police Officer  1995 - 2004

McAdoo Police Department, McAdoo Pennsylvania

Corrections Officer  1994 – 1995

Pennsylvania Department of Correction and State Police

US Army  1987- 1994 

E-5 Honorable Discharge

Earned several prestigious metals for service

EDUCATION

Bachelor of Science Degree, Penn State - Criminal Justice

Lackawanna College

Bucks county Community College

Commerce University

CERTIFICATIONS

Certified Commercial Lender and Financial Services Trainer

Certified Compliance Officer, AML, Finsen Commerce University

ASE Certified Commercial and Consuming Lending

Certified Emergency Medical Technician

Certified Municipal Police Officer