Flatrock Funding was both fast and… Flatrock Funding was both fast and efficient in processing my loan. The service was excellent, and I was pleased with the straightforward terms.

Absolutely a bait and switch Absolutely a bait and switch. I called for a consolidation loan and yep, just like the other reviews, the guy claimed he sumitted my app to 60 companies and they all turned me down. Interestingly, he got responses from all '60 lenders' in about 1/2 day. Ridiculious! But they could consolidate my debt for a monthly charge for the next 3-4 years. Which will destroy your credit. Do not do business with this dishonest company.

This program is a scam This program is a scam, big time! They would send you a pre-approved loan at a lower interest. Mind you I have good payments history with all my credit cards, never once late with it. Then they would tell me, oh we can't approve you at this time but we can put you in a program we're we can settle your debts and would destroy my credit score for about 5years. NO THANK YOU! DON'T let this program fool you! SCAMMERS!

Bait and Switch Scam Bait and Switch Scam. I have excellent payment history, but a high amount of debt. I received a pre-approved offer, which would cover all of my debts at a lower payment, so I called to inquire. I was advised that they couldn't provide a loan but would do a debt negotiation with my creditors, which would effectively close all of my accounts currently in good standing and put me into a 3 - 5 year payment plan with them when I can reasonably have all of my current accounts paid in full on my own in 3 - 5 years vs. having my debt written off which would impact my credit score for 7 years and all of my accounts would be closed, negatively impacting my DTI. Very disappointed in this bait and switch tactic to "help me out" and put me in debt to them for 3 -5 years while they destroy my credit for an additional 7 years. It was not a pre-approved loan at all - it was a total bait and switch.