Confidential · For Wilshire Financial Network only

Wilshire Financial NetworkFour Corner Funding

A Strategic Partnership Built for Scale

Wilshire Financial Network is not being structured as a standard White-Label Partner.

Because of the potential client volume and the strength of the relationship, Four Corner Funding is providing Wilshire with a customized economic structure designed around scale.

Click through the cards below to compare standard WLP pricing with Wilshire's negotiated terms.

Card 1 of 7

Initial Platform Fee

Every White-Label Partner pays a one-time fee to enter the platform. Start with the standard figure.

Showing standard WLP terms

Standard WLP

Platform Access · Standard White-Label Partner

$6,997

One-time platform enrollment fee

Provides access to the Four Corner Funding White-Label infrastructure, branded client environment, funding ecosystem, credit-building systems and partner tools.

Click to reveal your Wilshire Financial Network terms

Card 2 of 7

Ongoing Platform Fee

After the first year, a standard partner pays a recurring fee to stay on the platform.

Showing standard WLP terms

Standard WLP

Ongoing Platform Access · Beginning Month 13

$299 / month

Annual equivalent: $3,588 / year

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Card 3 of 7

Additional Users

A standard partner's platform access covers a set number of users. Larger teams normally pay per seat.

Showing standard WLP terms

Standard WLP

Additional Users · After the first 3

$49.97 / user / month

For each user beyond the 3 included

Standard platform access includes 3 users. Every additional team member in the system is billed monthly.

Click to reveal your Wilshire Financial Network terms

Card 4 of 7

Client Activation

One fee stays exactly where it is. It is the operating foundation that makes the other concessions possible.

Showing standard WLP terms

Standard WLP

Client Activation Fee

$800 per activated client

This supports costs associated with onboarding and operating the client inside the Four Corner ecosystem, including credit-building infrastructure, applicable bureau/data costs, systems, and related servicing.

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Wilshire Financial Network

Client Activation Fee

$800 per activated client

Unchanged

The Client Activation Fee is the one core fee that remains intact. It directly supports the infrastructure and costs incurred as clients move through the Business Credit Builder & Fundability ecosystem.

It is paid once per client, before Business Credit Builder or card stacking work begins, and it opens the full platform to that client.

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Commercial Funding Revenue Split

When a funding transaction closes and the lender pays a success fee, that fee is shared between the partner and Four Corner Funding.

Showing standard WLP terms

Standard WLP

Funding Revenue Share

When Four Corner Funding receives a lender-paid success fee:

40%60%

WLP 40%FCH 60%

40%to the partner

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Wilshire Financial Network

Funding Revenue Share

40%+2535%

Wilshire 65%FCH 35%

+25 percentage points to Wilshire

62.5% more revenue to Wilshire

Moving from a 40% share to a 65% share increases Wilshire's portion of the success-fee revenue by 62.5% relative to the standard WLP share.

Example: a $100,000 loan closes and funds. Lender-paid success fee at 10%$10,000

FCH keeps 35%$3,500

Wilshire keeps 65%$6,500 per loan

The 10% success fee is an example. The fee is set by each lender and varies by transaction.

Try it with your own number

Enter lender-paid success-fee revenue, not loan volume. Lender fees vary by transaction.

Total lender-paid success fees generated

Standard WLP at 40%$40,000

Wilshire at 65%$65,000

Additional revenue to Wilshire+$25,000

Illustration only. Revenue share applies to success fees actually paid by a lender on a closed transaction. Funding is not guaranteed.

Card 6 of 7

Business Credit Card Stacking

Stacking is a service the partner sells and prices itself. The fee is earned on credit the client is actually approved for.

Showing standard WLP terms

Standard WLP

Business Credit Card Stacking · Standard WLP

100%

Keeps 100% of its client stacking fee

The White-Label Partner determines what it charges its own client for the stacking service.

8%Competitive pricing
10%Standard full-service pricing
12%Premium full-service pricing
15%High-end pricing

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Wilshire Financial Network

Business Credit Card Stacking

Keeps 100%

No revenue share to FCH

No revenue share to FCH on the fee Wilshire charges its client for Business Credit Card Stacking. Wilshire determines its own retail fee.

Before stacking begins

The client is activated and taken through Tier 0, the business foundation and compliance stage. The $800 client activation fee is paid first. It covers the work involved and the business credit bureau costs.

It is the same single activation that covers Business Credit Builder. A client is never charged it twice.

Stacking fee illustration

Based on credit actually approved under the engagement, never on the amount requested.

Client obtains in approved credit

Wilshire stacking fee

Standard full-service pricing. 10% is the default example.

Wilshire stacking fee · $100,000 × 10%$10,000

Client activation, paid once before stacking begins−$800

Remaining with Wilshire$9,200

If the client is also a Business Credit Builder client, the activation is already covered there and Wilshire keeps the full stacking fee. Illustration only. Approved amounts are set by the card issuers and are not guaranteed.

Card 7 of 7

Business Credit Builder & Fundability Economics

Wilshire sets the client price. The only fixed cost per client is the activation fee.

Showing standard WLP terms

Standard WLP

Business Credit Builder & Fundability

$2,497

Example client retail price

Example retail price. Wilshire controls its own pricing.

FCH Client Activation$800

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Wilshire Financial Network

Per client, at the example price

Client pays Wilshire$2,497

Wilshire pays FCH activation−$800

Remaining gross revenue$1,697 per client

Before Wilshire's own internal sales, servicing or operating expenses.

100 clients

Client revenue · 100 × $2,497$249,700

FCH activation fees · 100 × $800−$80,000

Wilshire gross remaining$169,700

Illustrative economics using a $2,497 retail price. Wilshire may establish its own client-facing price.

One activation opens the full platform

Once the $800 client activation fee is paid, that client has access to everything below. No second activation is needed.

Business Credit Builder & FundabilityTier 0 through Tier 4
FundingNo upfront cost to the client
Business credit card stackingAfter Tier 0 is complete
Single credit cardsOne card at a time
Single business credit cardsOne card at a time

Access to a product is not an approval. Funding and card approvals are decided by the lender or card issuer.

Market context

How Does $2,497 Compare With the Market?

Business Credit Academy$2,497
CapLadder / MyCompanyCredit$2,497
Credit Suite Fundability System$2,997
Fund&Grow Elite$3,997
Illustrative Wilshire retail price$2,497

A $2,497 Business Credit Builder & Fundability price is within the established market range.

Four Corner Funding's ecosystem extends beyond traditional business-credit education by integrating fundability, credit-building progression, prequalification, funding applications, capital access, document management, resources, training and funding workflows inside a single platform.

Program prices are shown for context only. These programs differ in scope and are not equivalent to one another or to the Four Corner Funding ecosystem.

Behind the $800 activation

More Than Business Credit Building

The client enters an operating funding and fundability ecosystem.

Your brand client portal

Pre-Qualification
Funding Request
My Applications
Capital Access
Documents
Resource Hub
Appointments
Funding
Business Credit Builder
Credit Builder Overview
Step-by-Step Guidance
Credit Account Tracking

A structured journey

Tier 0Business foundation & compliance
Tier 1Business-credit development
Tier 2Business-credit development
Tier 3Business-credit development
Tier 4Capital readiness

Fundability StandardsWhat lenders expect of a business
Entity & Compliance GuidanceFormation, registration, good standing
Business Credit FundamentalsHow business credit works
Tier ProgressionTier 0 through Tier 4
Funding ReadinessHow to qualify for funding
Banking & Cash ManagementFinancial stability and cash flow
Credit Usage Best PracticesResponsible use of credit
Common Denial ReasonsWhy applications get declined
Business DocumentationRequired documents and file standards
Training AcademyVideo walkthroughs of the process

Progress through the tiers depends on each client's business and is not guaranteed.

The payoff

What 100 Clients Can Look Like

Illustration using a Business Credit Builder retail price of $2,497 per client. Wilshire sets its own price.

Activated clients

Example client price

Client revenue

100 × $2,497

$249,700

FCH client activation

100 × $800

−$80,000

Wilshire gross remaining

Before Wilshire's internal operating expenses

$169,700

ActivationRemaining with Wilshire

Platform fees

Fee	Standard WLP	Wilshire	Savings
Initial platform fee	$6,997	$0	$6,997
Beginning month 13	$299/month	$0	$3,588/year
Each user after 3	$49.97/month	$0	$4,197.48/year at 10 users

Plus

65% of applicable lender-paid funding revenue versus standard 40%

100% of Wilshire's Business Credit Card Stacking fees

Where the economics come from

Drawn to one scale. Client volume and transactions drive the result. Platform subscriptions do not.

Wilshire gross remaining, 100 clients$169,700

Initial platform fee waived$6,997

Recurring platform fee waived, per year$3,588

Funding revenue share and stacking fees are additional and depend on closed transactions. They are not included in these bars.

Year 1

A Path to $1,000,000 in Year 1

Three revenue lines add up: Business Credit Builder, card stacking and funding. Every Four Corner Funding fee is already deducted. Set the volumes to match your own plan.

1

Business Credit Builder & Fundability

Clients

100 clients × ($2,497 price − $800 activation) = 100 × $1,697

$169,700

2

Business credit card stacking Wilshire keeps 100% of its fee

ClientsApproved credit eachStacking fee %

These clients are already counted in line 1, so their $800 activation is not deducted again

50 clients × $100,000 × 10% = $500,000 in stacking fees. Less activation: 50 × $800 = $40,000.

$460,000

3

Funding Wilshire keeps 65% of the lender-paid success fee

Loans fundedAverage loanSuccess fee %

Each loan: $100,000 × 10% = $10,000 success fee. Wilshire keeps 65% = $6,500. FCH keeps $3,500.
60 loans × $6,500. No activation fee applies to funding.

$390,000

Year 1 to Wilshire, after all FCH fees

$1,019,700

$19,700 above the $1,000,000 target

Platform enrollment fee$0
Recurring platform fee$0
Per-user fees$0
Client activation, 150 × $800$120,000 already deducted
FCH share of success fees35% already deducted

Reaching $1,000,000 from one line alone

Funding only154 loans153.85 × $6,500

Stacking only109 clients108.70 × $9,200

Business Credit Builder only590 clients589.28 × $1,697

Illustration, not a projection. The success fee percentage is an example; it is set by each lender and varies by transaction. Results depend on Wilshire's client volume, approvals by card issuers and loans that actually close and fund, none of which are guaranteed. Figures are before Wilshire's own operating expenses and taxes.

The rationale

Why This Structure Works

Four Corner Funding's objective is not to maximize software fees from Wilshire Financial Network.

The objective is to create a high-volume operating relationship.

By eliminating the normal platform costs and increasing Wilshire's funding revenue share, both organizations become aligned around the same outcome:

More clients entering the ecosystem.
More clients becoming fundable.
More capital transactions being completed.

The $800 client activation fee remains because it supports the real infrastructure and costs associated with servicing each client.

Everything else has been structured around scale.

Side by side

Standard WLP and Wilshire Financial Network

Term	Standard WLP	Wilshire Financial Network
Initial Platform Fee	$6,997	$0
Platform Fee After Month 12	$299/mo	$0
Additional Users After 3	$49.97/user/mo	$0
Client Activation	$800/client	$800/client
Funding Revenue Share	40% WLP	65% WFN
FCH Funding Share	60%	35%
Stacking Fee Revenue	100% WLP	100% WFN
BCB&F Retail Pricing	WLP Controlled	WFN Controlled

The Wilshire advantage

$6,997Initial platform savings
$3,588Annual platform savings beginning Year 2
$0Per additional user
+25 ptsFunding revenue share
100%Stacking revenue retained
100%Control of client BCB&F retail pricing

Each figure is a separate category of economics. They are not added into a single total.

Built for a High-Volume Partnership

Wilshire Financial Network receives the infrastructure of Four Corner Funding without the normal platform-entry costs, while retaining substantially more transaction revenue.

The economics are intentionally structured so that both organizations benefit as client volume grows.

$0Platform Fee
65%Funding Revenue Share
100%of Wilshire's Stacking Fees
Full Controlof Client-Facing BCB&F Pricing

The only fixed client-level FCH cost remains the $800 activation fee.

Opens a one-page letter of intent to review and sign.

Questions before setup: support@fourcornerfunding.com