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IRS No.: 475168940 | State of Icorp.: FL | Fisical Year End: 08-31-2023

Type: S-1/A | Act: 33 | File No.: 333-208854 | Film No.: 161904250 SIC: 7389 

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"Subsidiaries of" 



The following summary is a shortened version of more detailed information, exhibits and financial statements appearing elsewhere in this prospectus. Prospective investors are urged to read this prospectus in its entirety.

Our Company

 On May 4, 2015, the Company became, Inc. Simultaneously, it completed a share exchange with all of the shareholders of, Inc. a New York corporation. 100% of the issued and outstanding shares of the New York Corporation were exchanged for shares in the Florida Corporation, resulting in, Inc., the New York Corporation becoming a wholly owned subsidiary of the Florida Corporation. Unless the context otherwise requires, all references to the “Company,” “we,” “our” “BorrowMoney” or “us” and other similar terms collectively means, Inc.

The Company has created an Internet-based loan marketplace for consumers and our customers which are lenders. Our technology is now operational, and we are able to collect consumer credit requests and compare those requests and related credit information for submission to lenders which join our technology platform. We are not a lender. We currently can intake secure consumer applications and inquiries for submission to participating lenders who receive consumer credit requests that are received online from consumers. We target competing lenders to join our marketplace to generate revenues. As more lenders join our network within a consumer’s geographic areas within the United States, consumers will receive up to three (3) offers in response to a single credit request and then be able to compare, review, and except the offer that best suits their needs. Lenders can generate new business that meets their specific underwriting criteria at a cost that is lower than the costs associated with off-line loan originations. Our marketplace encompasses most consumer credit categories, including mortgages, home equity loans, automobile loans, and personal loans. We have an additional category for submissions to lenders for business loans. We recently added capabilities to our technology and proprietary Internet platform for a consumer to find a realtor within the geographic area that the consumer is attempting to either purchase, sell, or rent property., Inc.’s provides a fintech service for the internet mortgage and loan provider business., Inc.’s business model provides qualified leads to local lending and nationwide institutions who are currently members of the National Mortgage Listing Service. These leads represent qualified borrowers nationwide and in targeted zip code locations where the lender conducts business. Our internet platform offers a portal geared toward providing services to lending institutions. The key function of our platform is to provide qualified leads to nationwide and local mortgage, and lending professionals. The Company monetize customer and inquiries through the use of various advertising campaign methods. The Company is selling fully automated banners ad placement advertising space on its website to generate revenue, using pay as you go, monthly, Quarterly, biannual, and annual subscription fee, we offer exclusive and non-exclusive: page position, demographic zones, and zip code advertising subscription, in addition to our lead packages sale

We attract consumers to our website through various forms of campaign advertising and send their loan requests to subscribed lenders and loan brokers ("Lenders") participating on our exchange.  Our technology platform is a fintech technology that powers our Internet based lending

         For consumers, the traditional loan process is time-consuming, requires completion of multiple forms, and can often be frustrating and confusing. Consumers typically search through a variety of loan products from many different lenders, apply to one lender at a time for that lender's offered terms, and then wait for that lender to approve or reject the application. Competing online lending sites generally mirror the traditional loan origination process. Consumers visit the Website, view a list of loan products, apply for one product from one lender, and are either given an offer or rate quote or are rejected by the lender. While the consumer proposition presented by online lending Websites is the same as the traditional offline process, the business models for online lending Websites generally fall into the following two categories:

Lender/Broker Model. 

The operators of Websites such as and Quicken & Loans and Ditech generate a large portion of revenue in the same way as traditional lenders, from a mark-up over their cost of capital, whether the source of capital is a lender, secondary market purchaser, or warehouse line of credit. In exchange for these mark-ups, the lender/broker undertakes all of the document processing, verification, and customer interaction. In addition, to the extent the lenders/brokers fund originated loans with their own capital, they are often directly exposed to interest rate risk, credit risk, liquidity risk and must also effectively manage their loan pipeline.

Referral Agent Model.  believes that the inefficiencies of the traditional lending process and the shortcomings of other online business models, combined with the large and recurring nature of consumer loan demand, offer a substantial opportunity for its lead processing business model.

The Process

 Our process consists of the following steps:

Credit Request. Consumers access our exchange at or sites and select a loan product from our multiple loan categories. Consumers complete a single qualification form for the selected loan product with information such as income, assets and liabilities, loan preferences and other data. Consumers also consent to our retrieval of their credit report.

 Qualification Form Filtering and Transmission. 

Our filtering process matches the consumer's qualification form data, credit profile, and geographic location to the preset underwriting criteria provided by participating Lenders. Lenders are able to modify their underwriting criteria in real-time directly through a password-protected Website upon our proprietary platform. Once qualification forms pass the filters, they are transmitted to up to three Lenders who have subscribed to our marketplace whose lending criteria match that of the consumers' profile and location.

Lender Evaluation and Response. 

Lenders evaluate and respond to the qualification forms that pass their filters. This response takes place on the automated interface technology that we have developed.

Communication of Offer.

Once a Lender evaluates a qualification form, renders a decision, and responds with an offer, our system automatically notifies the consumer via e-mail and displays the offers on the Website where the request originated. The e-mail contains instructions to return to our website and provides instructions directing the consumer to the Check Status page where consumers can view and compare the terms of each offer including interest rate, closing costs, monthly payment amount, lender fees and other information.

Offer Acceptance. 

The consumer has the ability to accept, reject or request more information about any particular loan offer. When the consumer selects one of these options, our system automatically notifies the chosen lender.

Ongoing Consumer and Lender Support.

provide active email and telephone follow-up and support to both Lenders and consumers during the loan transaction process. This follow-up and support is designed to provide technical support and increase overall satisfaction of the participants in our exchange, as well as increase the percentage of consumers who accept and close a loan from our lending exchange.


          Our on-line exchange offers consumers the opportunity to obtain the loan products and other services listed below. We do not charge consumers a fee to use our services and our network of Lenders and real estate brokers

          --   Home Mortgage Loans.

          --   Home Equity Loans.

          --   Automobile Loans.

          --   Personal Loans

  In addition to these loan products, offers other services to our consumers:

Borrowmoney refer consumers from our exchange or various third-party sites to participants in our network of real estate agents located in most states. As of December 31, 2022, we had relationships with approximately 700 real estate brokerages an agents referrals supplied to us. in addition, we offer nationwide Real-estate sales and rental listings service to realtors, using pay as you go, monthly, quarterly, semiannual, and annual subscription fee, we offer exclusive and non-exclusive listings:

 Advertising and Banner Services offers various banner size ad placement advertising services which are displayed on the website. Our advertising rates are among the lowest within the industry advertising prices

Borrowmoney’s  advertising rates are based on a flat rate basis. using pay as you go, monthly, Quarterly, biannual, and annual subscription fee, we offer exclusive and non-exclusive: page position, demographic zones, and zip code advertising subscription, in addition to our lead packages sale

Borrowmoney currently has more than 77,000 pages being viewed and more than 10,000 individual users organically on Borrowmoney site since April 2021 through December 30, 2022

The company offers more than just placement of ads on its site.  If a customer requests ad design services, Borrowmoney offers this to its customers.  Charges are based upon the type of ad requested as well as a fixed per hour cost for design services

 Lenders Service has provided through its proprietary technology a system for lenders to electronically join the system as a subscriber, or on a pay as you go model, after final approval by a To become a subscribed lender, a representative of the Company first logs into There a potential lender will provide basic account information, contact information, lender information regarding licensing, loans loan types, such as automobile loans, real estate loans, commercial loans, personal loans, construction loans, and others, for electronic submittal to borrow At this same time, the lender will submit their pricing package, which initially established as a no-cost trial period, or select a monthly, quarterly, semiannual or annual subscription marketing budget, if they so choose. Upon receipt of the lender registration, borrow verifies the information and contacts the lender for final negotiations regarding the pricing packages selected. These pricing packages currently are as follows, to wit: using pay as you go, monthly, Quarterly, biannual, and annual subscription fee, we offer exclusive and non-exclusive demographic zones, subscription, in addition to our lead loan packages sale

Based on the package amount selected by the lender and mortgage offering landing rates disclosure,  borrowmoney negotiates the demographic where the lender wishes to run the campaign, 

 Borrowmoney fees are 50% cheaper then all competition 

Upon agreement and expectance from the lender Borrowmoney creates several leads advertising ad banners to be placed on borrowmoney site, and social networks and creates awareness, in the demographic requested by lender

Consumer clicks on the ad Consumer is directed to my borrowmoney site to create on account

Consumer lead is dispersed to 3 different lenders associated with borrowmoney using a secure mortgage engine lead distribution to registered lenders with borrowmoney.

consumer will receive a minimum of 3 loan offers from 3 lenders competing for the loan in to 

Our marketplace provides important benefits to lenders, including:

- New Business. Leveraging the reach of the Internet, we provide lenders with access to a significantly larger audience of qualified consumers.

- Lower Acquisition Costs. Our fees are designed to be less than the cost of acquiring customers through traditional   and other online channels. Our [i] close technology enables lenders to process credit requests more efficiently and at significantly reduced costs.

- Market Information. We collect and distribute to our lenders valuable information about the online lending marketplace. This information enables our lenders to refine and improve their Internet lending strategies and quickly respond to changing market conditions.

  Customer Service

          We employ a staff of _2 _customer service Annie Marie Chipolone and Lana Coliban, 

          --   Responding to consumers' questions about the status of their credit request, how to use our website, and frequently asked questions.

          --   Acting as a liaison between consumers and Lenders, to ensure Consumers receive prompt service from Lenders.

          --   Providing technical support to lender technical and systems Questions 24 hours a day, seven days per week.


           Our principal marketing objectives are to maintain our leading brand awareness position and to increase volume on our exchange. These efforts include offline advertising, online advertising and direct marketing. We also collect and analyze consumer data to enhance our consumer marketing programs, subject to compliance with our privacy policy.

 Online Advertising

          --  Online Advertising and Sponsorships. Online advertising and sponsorships play an important role in our overall effort to reach potential consumers. We focus on those portals and Websites Havin a high affinity to consumer lending, such as real estate, persona Finance and automobile-related Websites. We have also partnered with major search engine companies such as Google and incorporated banner advertising into our online strategy to maximize consumer reach at relatively low cost

 Direct Marketing 

We believe that direct marketing is an effective means of increase loan requests and closure rates, and a way to develop more sustainable relation with consumers. our direct marketing initiatives have been executed through both offline and online channel within the guidelines of our privacy policy

Our direct marketing initiative include:

         --  Direct Email. We use email to encourage customers to visit our website, complete the loan request process, communicate with consumers throughout the lending process, offer additional product And service value and facilitate consumers' ability to obtain loans.

         --  We use direct mail to complement our online email Efforts to build brand equity and increase overall transaction volume. Our goal is to be the predominant loan marketplace on the Internet. The key elements of our strategy are to:

          -  strengthen our position as an online marketplace offering multiple loan products from a wide variety of lenders.

  • increase brand awareness and transaction volume.
  • attract lenders offering an array of products across a wide range of consumer credit profiles and geographic locations.

           - expand transaction volume through online relationships.

           - establish [i]close as the dominant loan marketplace technology; and

           - Assist our network lenders to increase their loan closing rates.

We are an “emerging growth company,” as defined in Section 2(a) of the Securities Act, as modified by the Jumpstart Our Business Startups Act of 2012, or the JOBS Act. As such, we are eligible to take advantage of certain exemptions from various reporting requirements that are applicable to other public companies that are not “emerging growth companies” including, but not limited to, not being required to comply with the auditor attestation requirements of Section 404 of the Sarbanes-Oxley Act of 2002, or the Sarbanes-Oxley Act, reduced disclosure obligations regarding executive compensation in our periodic reports and proxy statements, and exemptions from the requirements of holding a non-binding advisory vote on executive compensation and stockholder approval of any golden parachute payments not previously approved. If some investors find our securities less attractive as a result, there may be a less active trading market for our securities and the prices of our securities may be more volatile.

In addition, Section 107 of the JOBS Act also provides that an “emerging growth company” can take advantage of the extended transition period provided in Section 7(a)(2)(B) of the Securities Act for complying with new or revised accounting standards. In other words, an “emerging growth company” can delay the adoption of certain accounting standards until those standards would otherwise apply to private companies. We intend to take advantage of the benefits of this extended transition period until we are no longer an “emerging growth company.”

We will remain an emerging growth company until the earlier of (1) the last day of the fiscal year (a) following the fifth anniversary of the completion of this offering, (b) in which we have total annual gross revenue of at least $1.0 billion, or (c) in which we are deemed to be a large accelerated filer, which means the market value of our common stock that is held by non-affiliates exceeds $700 million as of the prior June 30th, and (2) the date on which we have issued more than $1.0 billion in non-convertible debt during the prior three-year period. References herein to “emerging growth company” shall have the meaning associated with it in the JOBS Act.

Click Here To View Our Video Introduction And Partner With Us

If you are an investor interested in, please contact us by phone or email. We look forward to hearing from you! 


By Phone 1-212-265-2525. 

We're available 24 hours a day / 7 days a week to answer any of your questions or concerns.

 By E-Mail

ima logo