| Takeaway | Details |
|---|---|
| 🏢 What BogeGroup Is | A Las Vegas–based consulting company that helps business owners apply for 0% APR business credit cards, not a lender or marketplace. |
| 💳 How Funding Works | Funding relies on credit card stacking; clients apply for multiple business credit cards to reach desired credit limits. |
| 💲 High Upfront Costs | Clients must pay significant upfront fees, and results depend entirely on their credit profile—not on BogeGroup. |
| 👥 Mixed Customer Experiences | Reviews are divided; some praise helpful funding specialists, while others report unmet promises and refund issues. |
| ⚠️ Major Complaints | Many negative reviews cite misleading claims, aggressive communication, and trouble receiving refunds. |
| 📉 High Risk Strategy | Credit card funding carries substantial risks—high future interest rates, debt accumulation, and pressure to manage multiple accounts. |
| 📝 Not a Lender | BogeGroup provides guidance only; banks and credit card issuers set all approvals, credit limits, and terms. |
| ⭐ UCS Rating: 1.2 / 5 | United Capital Source rates BogeGroup 1.2 out of 5 due to high risk, high cost, and reliance on credit card stacking. |
Many small business owners struggle to qualify for business loans, especially when they’re just starting or have limited credit history. Without established credit, even strong businesses can find it challenging to secure business credit lines, low-rate loans, or competitive financing. As a result, many turn to consulting firms that claim to help them build business credit, gain access to 0% introductory APR business credit cards, and improve their chances of approval.
BogeGroup is one of several companies positioning itself as a solution for business owners seeking new ways to access alternative business funding. The company promotes credit card funding programs, credit-building tools, and additional services intended to help clients grow their businesses in the very near future. As with any financial service, it’s essential to evaluate the entire process, the risks involved, and whether the company delivers on its promises.
In this review, we’ll explore what BogeGroup is and how it works, so you can decide whether it’s right for your business. Specifically, we’ll answer these questions and more:
BogeGroup is a consulting company based in Las Vegas, Nevada, that offers business development, marketing, and credit consulting services to small business owners. While not a lender, marketplace, or financial institution, the company promotes programs that claim to help clients access business credit cards—many of which include 0% APR introductory promotional periods—while also offering supplementary services designed to support business growth. BogeGroup provides services to help individuals obtain business credit and funding.
Founded by entrepreneur Andrew Imbesi, the company markets funding strategies, business credit education, and business support programs intended to help owners pursue financial expansion. Much of its publicity comes from online marketing campaigns, webinars, Zoom calls, and social media outreach, often highlighting the potential to access “tens of thousands” in business credit cards at 0% APR.
The company continues to broaden its service offerings, positioning itself as a resource for business owners seeking credit approvals, business credit guidance, and personalized support. However, because it relies heavily on credit card funding strategies rather than popular business loans, business owners need to understand the implications before moving forward.
BogeGroup’s core model centers on helping clients apply for business credit cards with introductory 0% APR promotional periods. The company emphasizes credit card funding over traditional loans, promoting it as a quick way to secure business credit lines without collateral or extensive documentation. BogeGroup primarily facilitates funding through business credit cards rather than business cash advances or debt financing loans.
Clients who sign up for the service are typically assigned a funding specialist or funding advisor who walks them through applications, the funding process, account setup, and next steps. According to the company, this personalized support is intended to help business owners navigate the credit market and secure approvals from various banks and credit card issuers.
Clients are required to pay upfront costs for various services during the BogeGroup funding process. Potential applicants should be aware that these payments are necessary regardless of results.
Below is an overview of the programs BogeGroup offers.
The Business Credit Blueprint is BogeGroup’s educational program designed to help clients learn how business credit works, how to structure their business for future approvals, and how to build a credit profile over time. The program discusses topics such as understanding business credit bureaus, structuring accounts, monitoring credit reports, improving credit scores, and establishing credibility with banks.
The company positions this program as a roadmap to improving creditworthiness and increasing the chances of approval during the first round of funding applications. Although positioned as educational, many customers describe the information as general guidance rather than unique insight.
This service focuses on helping business owners recruit and hire team members. BogeGroup claims to streamline the hiring process through templates, outreach, and consulting suggestions.
This service is not directly related to credit card funding but is bundled to enhance the perceived level of business support. The company presents this as part of a broader strategy to help businesses scale beyond funding alone.
This program offers HR-related consulting, team-building guidance, and weekly mastermind calls. The mastermind sessions cover business strategy topics such as hiring, operations, scaling, and financial planning. Clients are encouraged to participate in weekly calls for ongoing support, though reviews vary on the effectiveness of the mastermind format.
The Public Relations Accelerator is designed to help clients increase brand exposure, pursue media placements, and elevate their public profile. It includes general guidance on outreach, PR strategy, and marketing messaging. Like other ancillary programs, this service doesn’t directly affect credit approvals but may appeal to business owners seeking broader marketing resources.
The SOB Vault includes templates, training videos, digital assets, and additional resources to support the entire business development process. Clients receive access to training on credit card funding, passive income, sales, and general entrepreneurship. The value of this vault depends on how much clients engage with the material.
The Offer Building Intensive focuses on helping clients refine their marketing offers and sales pitches. This program is intended to help entrepreneurs improve their product or service positioning, enhance conversions, and generate revenue growth. While not directly tied to small business funding, this course is offered as part of the company’s broader development tools.
As a consulting company, BogeGroup does not set specific qualifications for its programs. Instead, approval for business credit cards ultimately depends on the banks and card issuers processing the applications. Because the company’s model revolves around 0% APR business credit cards, business owners must typically meet issuer criteria.
Approval standards for business credit cards generally include:
Because BogeGroup does not fund clients directly, it cannot guarantee outcomes. Banks such as Chase Bank and American Express control credit approvals entirely.
Business owners should be prepared to provide accurate information on applications and understand that results depend on individual circumstances, income, credit score, financial history, and the willingness of banks to approve new accounts.
BogeGroup is not a lender or business loan marketplace but a consulting firm that assists clients in applying for business credit cards and building business credit. Because approvals, credit limits, interest terms, and outcomes are determined entirely by banks—not by BogeGroup—the process offers no guarantee of success.
Many clients seeking “$50,000+ in 0% business credit” learn that reaching such amounts may require applying for multiple credit cards, a high-risk strategy known as business credit card stacking. Since the company’s model relies exclusively on business credit card funding, clients must be prepared for the financial risks associated with credit cards, including high post-promotional APRs, complex repayment schedules, and the potential for rapid debt accumulation.
The process of obtaining funding through BogeGroup can involve high upfront costs, which clients should be aware of. Multiple customer reviews report paying thousands of dollars in good faith only to receive far less funding than expected—or to be denied entirely.
Although BogeGroup provides personalized support from funding advisors to help clients secure easy business funding, many customers report mixed results and inconsistent guidance throughout the funding process. BogeGroup has a mixed reputation on review platforms, showing contrasting customer experiences ranging from positive feedback about helpful advisors to intense criticism over unmet promises and unclear communication.
Some customers allege that they were advised to inflate their income on applications to obtain higher credit limits, a practice the company denies. Numerous complaints allege fraudulent business practices and unmet promises, according to Better Business Bureau (BBB) feedback, and many clients have reported difficulties obtaining promised refunds, often with communication ceasing after payment.
Other client feedback describes receiving aggressive follow-up communications—including calls and text messages—after expressing dissatisfaction or requesting a refund. Several clients also state that BogeGroup misled them regarding the funding amounts they could expect to receive. Multiple customers have expressed concerns about BogeGroup’s lack of transparency in its funding process and the terms of its agreements, further fueling skepticism.
Beyond individual complaints, there are claims that BogeGroup has been involved in legal disputes and complaints filed with consumer protection agencies. Some customers allege that BogeGroup has been named in a class action lawsuit due to customer complaints about its services. While not all allegations can be independently confirmed, the volume and consistency of reports across platforms raise serious concerns for prospective clients evaluating whether the company’s services align with their needs and level of risk tolerance.
As a consulting firm, the company does not offer a business loan affiliate program. ISOs and business loan brokers should consider other funding options for a referral program.
Business owners who want to move forward with BogeGroup must go through a simple intake and consultation process. While qualifications depend on card issuers, the company requires prospective clients to follow these steps:
Visit the BogeGroup website and review the available consulting programs. Most users begin by watching a webinar or scheduling a call. BogeGroup assigns funding specialists to guide clients through the funding process.
BogeGroup typically requires an onboarding call through Zoom to discuss credit, income, goals, and expectations. This is where potential clients receive an overview of the Freedom Funding Accelerator or similar programs.
Before any funding advisor begins work, the company requires an upfront payment. Costs vary and may be significant.
Clients may need to submit identification, financial documents, a credit report, account information, or other details.
A funding specialist walks the client through bank applications, strategy, and next steps.
After signing up, clients work with a funding advisor who provides ongoing guidance throughout the entire process. Once business credit cards are approved, the client is responsible for managing payments, 0% APR promotional periods, and balance transfers.
Credit card funding requires careful financial management. If payments are missed or balances remain once promotional interest expires, interest rates may increase significantly. Business owners must manage accounts responsibly to avoid accumulating debt.
BogeGroup does not handle repayment or negotiate with banks. The issuing banks process all credit card payments.
BogeGroup may appeal to business owners seeking personalized support as they pursue business credit card funding. The company provides one-on-one guidance, explanations of how business credit works, and structured programs that help clients understand the process. Clients have reported receiving substantial amounts of funding through BogeGroup, often exceeding initial expectations.
Others highlight exceptional service from individual team members, praising their communication, guidance, and responsiveness. Many positive reviewers specifically mention funding specialists who helped them secure approvals and understand complex steps. Some clients also value the supplementary business development resources included in the programs.
Despite positive testimonials, many customers express serious concerns about the company’s pricing, transparency, and results. Numerous negative reviews claim that BogeGroup overstates its ability to help clients secure business funding and that results depend heavily on personal credit rather than the company’s involvement.
Refund disputes are frequent in customer complaints. Multiple clients state that communication becomes limited after payment, and some claim they never received the promised guidance, support, or follow-through.
Several negative reviews allege aggressive sales tactics, pressure to purchase additional services, and misleading representations of the funding they could secure. Others report that the company advised them to list higher personal income to obtain larger credit limits, though these claims are unverified. There are allegations that BogeGroup engages in deceptive practices, including overcharging for services and failing to provide the promised financial support.
Pros
Cons
BogeGroup is a legally registered consulting firm that assists business owners with applying for multiple business credit cards. It is not a lender and does not provide business loans, and its services carry risks if mismanaged. Legitimate business funding companies typically offer direct applications for business financing and don’t require upfront fees.
Some reviewers have raised concerns about the company, citing refund disputes, unfulfilled promises, and discrepancies between advertised results and actual outcomes. A few individuals have suggested that its marketing practices resemble a pyramid-like structure, though these claims remain unverified. Business owners should weigh these potential risks carefully before engaging BogeGroup’s services.
Customer reviews for BogeGroup are highly mixed, with a Trustpilot rating of 4.7 out of 5 (“Excellent”). Positive feedback often highlights standout individual advisors who provide personalized guidance, detailed explanations, and professional, patient support throughout the funding process. Many clients appreciated the knowledge and attentiveness of these specialists.
However, negative reviews are common and often focus on unmet promises, discrepancies between expected and actual outcomes, and frustrations with lengthy or complex funding processes. Some clients report receiving less funding than promised or being denied entirely, and many mention limited communication, difficulty securing refunds, or high-pressure sales tactics. A portion of reviewers also allege deceptive practices or misrepresentation, citing unclear pricing and declining support after the initial sale. Business owners should weigh these mixed experiences carefully when considering BogeGroup.
BogeGroup typically accepts most businesses seeking its services, but approval for business funding still depends on the credit card company where you apply. If your business credit card application is denied, the denial letter should explain the reasons.
Fortunately, small business owners have many lender options to consider, most of which accept direct applications for business loans and don’t charge application fees. You should consider business funding options that offer diverse loan options rather than signing up for multiple business credit cards.
Working with a small business loan marketplace (like UCS) allows you to apply to a network of lenders with a single application and receive multiple offers. You can then receive guided support in choosing the best deal for your small business. It may be possible to complete the whole process on the same business day.
You may be interested in one of the following small business loans:
BogeGroup appeals to business owners who want assistance navigating business credit card applications, building business credit, and accessing 0% APR promotional offers. While some clients report strong results and exceptional service from individual advisors, many others describe significant concerns, including unmet promises, refund disputes, and transparency issues.
It’s important to remember that business credit card approvals depend on personal credit factors—not on consulting support. Many business owners can apply for business credit cards on their own without paying high fees for assistance. For businesses with strong credit and revenue, traditional business funding options—such as term loans, lines of credit, equipment financing, SBA loans, and revenue-based financing—may be far more advantageous and cost-effective.
The company’s reliance on credit card stacking introduces significant risk. Business owners should consider whether the strategy aligns with their financial stability and long-term goals.
Based on the available information, we rate BogeGroup 1.2 out of 5. The company is not a funder and advises businesses to use credit card stacking, which we don’t recommend.
Disclaimer: The BogeGroup trademark is owned by Boge Group, Corp., and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Boge Group, Corp.
