Proper Funding Comprehensive Review

Proper Funding Comprehensive Review: Legitimate or a Scam?

Welcome to our comprehensive review of Proper Funding, which provides financial solutions to individuals struggling with high-interest credit card debt. Proper Funding offers unsecured low-interest rate debt consolidation loans, a service that can be a lifeline for those seeking to regain control of their financial situation.

Let’s investigate the details of Proper Funding’s operations, services, and customer feedback. We will also explore the company’s commitment to customer service and success, as well as its overall success rate. We will present both the pros and cons of choosing Proper Funding as your financial partner and provide alternatives for those who may be considering other options.

Stay with us as we uncover whether Proper Funding is a legitimate source of finance or a potential scam. We hope that our professional insights will help you make informed decisions about your financial future.

Who are Proper Funding?

Proper Funding is a financial services company specializing in debt consolidation services. Their primary offering is unsecured low-interest rate debt consolidation loans for individuals with high-interest credit card debt.

The Ultimate Guide to Debt Consolidation Loans

Attention: Despite extensive research, specific information about the company’s history and founders was not readily available online. This lack of transparency could be a point of consideration for potential clients.

For more detailed and updated information, it is recommended to visit the official Proper Funding website or contact them directly.


There’s no way to identify the physical address of the company at this time. According to the official website, Proper Funding is located in the United States, specifically at:

  • 3450 Lexington Ave N Suite 102, Shoreview, MN 55126

For more information, you can visit their official website. Please note that it’s always a good idea to verify the location and other details directly from the official source to avoid any misinformation.

Offered Services

Proper Funding offers a specific service aimed at consumers who are struggling with high-interest rate unsecured credit card debt. Here is a brief overview of the service they provide:

  • Debt Consolidation: If you have at least $15,000 in high-interest rate unsecured credit card debt and a FICO score between 420-740, Proper Funding offers a debt consolidation service to help you manage and reduce your debt. This service aims to help consumers take control of their debt situation by consolidating their high-interest debts into a single, more manageable payment.

Please note that the information available is limited, and it is recommended to contact Proper Funding directly for a comprehensive list of their services.

Secretary of State Information

It took us some effort to find that a legal entity named Proper Funding is mentioned in the Secretary of State Texas and Delaware.

Proper Funding - Secretary of State Delaware

We recommend contacting Proper Funding for more information about their registration and legal status. As always, it’s crucial to do your own due diligence when considering any financial services provider.

Licenses and Accreditations

Despite thorough research, specific information regarding the licenses and accreditations of Proper Funding is not readily available online. Any financial institution must have proper licenses and accreditations to operate legally and ethically. These credentials also testify to the company’s commitment to industry standards and regulations.

At this moment in time, Proper Funding looks like yet another lead generator company that collects your information and sends it further to other companies.

If you are considering Proper Funding for your financial needs, it is recommended to contact them directly for this information. Always ensure that any financial institution you engage with is fully licensed and accredited to protect your interests and investments.

Remember, a legitimate company will be transparent about its credentials and readily provide this information upon request.

Offer Mail Example

Here’s an example of mail you may receive:

Proper Funding - Mail Example - Front 1
Proper Funding - Mail Example - Back

Remember, it’s crucial to thoroughly review any offer mail and understand all the terms before accepting a funding offer. If you have any doubts or questions, don’t hesitate to seek professional advice.

Please note that this is a general description and the actual content of an offer mail from Proper Funding may vary.

Official Website

The official website of Proper Funding can be found at The website provides a comprehensive overview of the company and its services.

Here are some key features of the website:

  • Services: The website clearly outlines the services offered by Proper Funding. They specialize in assisting consumers who have at least $15,000 in high-interest rate unsecured credit card debt and a FICO score ranging between 420-740.

The website does not provide any valuable information about Proper Funding and its services.

LinkedIn Profile

Proper Funding does have a presence on LinkedIn, a popular professional networking platform. However, the information available about the company on this platform is quite limited.

Proper Funding - LinkedIn profile

Here’s what we know:

  • The company has a LinkedIn profile with a small following of 8 followers. This suggests that the company’s LinkedIn presence is relatively new or inactive.
  • There is a mention of an individual named Viane Norman associated with Proper Funding on LinkedIn. However, the details of their role within the company are not specified.

It’s important to note that a limited LinkedIn presence does not necessarily reflect the legitimacy or the quality of a company’s services. Many businesses may choose to focus their efforts on other platforms or methods of client engagement.

Commitment to Customer Service and Success

Despite extensive research, there is not enough publicly available information to provide a detailed analysis of Proper Funding’s commitment to customer service and success. The company’s official website and other online resources do not provide specific details about its customer service policies or success rate.

It is important for potential customers to be aware of this lack of information. Before deciding to engage with any financial services company, it is recommended to thoroughly research and understand their commitment to customer service and success. This includes their policies for handling customer complaints, their response time, and their overall approach to customer satisfaction.

While Proper Funding may have internal policies and procedures in place to ensure customer satisfaction and success, these are not publicly available. Therefore, potential customers should proceed with caution and consider this lack of transparency when making their decision.

Remember, a company’s commitment to customer service and success is a critical factor in determining its reliability and trustworthiness. It reflects how much the company values its customers and their financial success.

Better Business Bureau (BBB) Rating

Proper Funding is not accredited by the Better Business Bureau (BBB). The company has an  F-rating on BBB.

Proper Funding - BBB reviews

This rating is the lowest on the BBB’s scale, indicating that the company has failed to meet the majority of the BBB’s accreditation standards.

On the other hand, another source suggests that Proper Funding meets BBB accreditation standards, which include a commitment to make a good-faith effort to resolve any consumer complaints.

In addition to the confusion surrounding the BBB rating, there’s also an alert for Proper Funding. The alert states that the mail sent to the company’s mailing address on file was returned as undeliverable. This could potentially indicate issues with the company’s communication or operational systems.

As for customer feedback, there’s mention of a complaint about having trouble canceling their program. This feedback suggests that some customers may have experienced difficulties discontinuing their involvement with Proper Funding’s services.

In conclusion, while Proper Funding is BBB accredited, potential customers should be aware of the company’s low BBB rating and the issues highlighted in customer feedback. As always, it’s recommended to conduct thorough research and consider multiple sources of information before making a decision.

Trustpilot Rating

Proper Funding is on Trustpilot, a popular platform for customers to share their experiences with companies. As of our last check, Proper Funding has a 2.9-star rating on Trustpilot.

Proper Funding - Trustpilot rating

This rating is based on feedback from 2 customers, indicating a generally negative experience from those who have interacted with the company.

As always, it’s important to read through the reviews yourself to get a comprehensive understanding of customers’ experiences. Reviews can provide valuable insights into a company’s operations, customer service, and overall reliability.

Google Reviews Rating

Unfortunately, specific Google Reviews for Proper Funding were not found during our research. However, we gathered some general feedback and comments about the company from various online sources.

Based on the information available, opinions about Proper Funding seem negative. Customers had reported this company as a scam.

Remember an F rating on the Better Business Bureau (BBB) and an alert for Proper Funding indicating that mail sent to the mailing address on file was returned as undeliverable. This information might raise some concerns about the company’s reliability and trustworthiness.

We recommend potential customers do their own research and consider these factors before deciding to engage with Proper Funding. Always remember to read reviews and feedback from multiple sources to get a comprehensive understanding of the company’s reputation.

Please note that this information is subject to change, and it’s always a good idea to check the most recent reviews and ratings for the most accurate, up-to-date information.

Best Company Rating

Unfortunately, there is currently no available information regarding Proper Funding’s rating and customer feedback on Best Company. As a company committed to providing comprehensive and accurate reviews, we encourage Proper Funding to engage with platforms like Best Company to gather and showcase customer feedback. This not only helps potential customers make informed decisions but also demonstrates a commitment to transparency and customer service. We will update this section as soon as more information becomes available.

Success Rate

Unfortunately, there is no publicly available information about the success rate of Proper Funding. This could be due to various reasons, such as the company choosing not to disclose this information or the information not being collected by third-party organizations.

It’s important to note that the success rate of a funding company can be influenced by many factors, including the quality of the applications they receive, the criteria they use to evaluate potential investments, and the overall economic climate. Therefore, a lack of information about Proper Funding’s success rate should not necessarily be seen as a negative reflection on the company.

For a more comprehensive understanding of Proper Funding’s performance, potential clients might consider looking at other indicators, such as customer reviews and ratings on platforms like the Better Business Bureau, Trustpilot, and Google Reviews. These platforms provide insights into the experiences of previous clients, which can be a useful indicator of the company’s reliability and effectiveness.

Remember, it’s always important to do your own research and due diligence when choosing a funding company.

Pros and Cons


  • Simple and Quick Process: Proper Funding’s loan application and review process is noted to be simple and quick, with approval usually granted within a few days. This can be a significant advantage for individuals seeking immediate financial assistance.


  • Unsolicited Mail and Potential Spam: Some customers have raised concerns about receiving unsolicited mail from Proper Funding, leading to potential spam. This can be a significant disadvantage for individuals who value their privacy and wish to avoid unsolicited communications.
  • Not BBB Accredited: Proper Funding is not accredited by the Better Business Bureau (BBB). While this does not necessarily mean that the company is not legitimate or trustworthy, it could be a potential red flag for some customers.

Please note that this information is based on available online reviews and may not fully represent the experiences of all Proper Funding customers. It’s always recommended to do thorough research and consider multiple sources of information before making a financial decision.

Alternatives to Proper Funding

Based on my personal experience, the best alternative for any loan is a personal emergency fund. Here’s how you built it with no effort (check the autopilot section):

Emergency Fund - A Comprehensive Guide for Financial Planning

If you’re considering Proper Funding for your financial needs, it’s also worth exploring other options available in the market. Here are some alternatives you might want to consider:

  1. Venture Capital Firms: These firms focus on high-growth companies and invest capital in return for equity rather than debt. This could be a good option if you want to grow your business and are open to giving up some equity.
  2. Partnerships: This could be a good choice for businesses with multiple owners or professional groups. Partnerships can provide additional funding and resources.
  3. Small-Business Grants: Various government agencies, state organizations, and private corporations offer small-business grants. These grants can provide a valuable funding source without the need for repayment.
  4. Online Loans: Many online platforms offer loans to small businesses. These platforms often have simpler application processes and faster approval times than traditional banks.
  5. Bank Loans: Traditional bank loans are still a viable option for many businesses. They typically offer lower interest rates compared to other financing options, but they also have more stringent requirements and longer approval times.

Remember, it’s important to thoroughly research each option and consider your business’s specific needs and circumstances before deciding.


What does Proper Funding do?

Proper Funding is a lead generator company for debt consolidation and other financial companies.

Is Proper Funding a lender?

Proper Funding is not a lender but a paid marketing lead generator. This means that Proper Funding does not directly lend money but instead connects potential borrowers with lenders.


In conclusion, our comprehensive review of Proper Funding reveals a mixed close to negative experience. On one hand, the company offers a simple and quick loan application and review process, with approval usually granted within a few days. This is a positive aspect that many customers appreciate.

However, there have been several complaints about spam and potential scams. Some customers have reported receiving unsolicited mail from Proper Funding, while others have raised concerns about the legitimacy of the company‘s debt consolidation program.

Given these findings, I advise potential customers to exercise extreme caution when dealing with Proper Funding. It’s always a good idea to thoroughly research any financial company before doing business with them and to consider other alternatives if something doesn’t feel right.

Remember, the best financial decision is an informed one. We hope this review has provided valuable insights to help you make such decisions.

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