Introduction

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Greetings, my name is Irucka Embry (see my photograph below) & I have created this Web site for the business services that I now offer. My other businesses that I personally own and operate are EcoC²S and Questioning the Universe Publishing (QUP).


I am a referral partner with 2 existing companies to help expand their business services to more entrepreneurs across the United States of America (USA).


If you are interested in learning more about the referral partner program for those companies, then please contact me.


Photograph of Irucka Embry




Business Services

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If you are an entrepreneur, then ask yourself the following questions:


1) Do you need funding (funding and/or line of credit) & the traditional banks/credit unions have NOT been able to provide you with funding?

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Option 1 {Same Day Funding up to $5,000} — For Gig Workers/Self-Employed Workers (1099 Contractors)

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The requirements are below:

  1. Business based in the United States of America (USA)
  2. More than 6 months in business
  3. Lowest monthly revenue between $3,000 and $5,000
  4. Monthly revenue less than $15,000
  5. Personal checking account (no business checking account) regardless of your monthly revenue where online banking is already set-up
  6. No more than 5 non-sufficient funds (NSFs) or negative days in any of the past 3 months
  7. Personal FICO score under 550
  8. Not a resident of New York or California

Option 2 {Same Day Funding up to $25,000}

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The requirements are below:

  1. Business based in the United States of America (USA)
  2. More than 6 months in business
  3. Lowest monthly revenue greater than $5,000
  4. Monthly revenue less than or equal to $15,000
  5. Business checking account (not a personal checking account) where online banking is already set-up
  6. No more than 5 non-sufficient funds (NSFs) or negative days in any of the past 3 months
  7. Business Owner’s personal FICO score over 550

Option 3 {Quick Online Funding up to $2 million}

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The requirements are below:

  1. Business based in the United States of America (USA)
  2. More than 4 months in business
  3. Lowest monthly revenue greater than $15,000
  4. Business checking account (not a personal checking account) where online banking is already set-up
  5. No more than 5 non-sufficient funds (NSFs) or negative days in any of the past 3 months
  6. Business Owner’s personal FICO score over 500

Business Line of Credit {$5,000 - $100,000}

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The requirements are below:

  1. Business based in the United States of America (USA)
  2. More than 1 year in business
  3. Lowest monthly revenue greater than $15,000
  4. No more than 5 non-sufficient funds (NSFs) or negative days in any past month
  5. Business Owner’s personal FICO score over 500
  6. If in business less than 2 years Or your business resides in New Jersey, California, Rhode Island, Nevada, Vermont, or Montana, then your FICO score must be greater than 600.


2) Do you need a payment processing system?

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Point of sale (POS) providers and equipment are available.



3) Do you need to offer your customers financing options?

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The available lenders are industry-specific.




4) Do you need an individual and/or family health care plan?

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These are the optional plans beyond the health care plan:



5) Do you need ID protection and/or credit monitoring services?

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We offer more options for a lower price than Lifelock.




6) Do you need to offer your employees the ability to receive an advance on their payroll direct deposits?

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Coming soon.




7) Was your business impacted during 2020 and/or 2021?

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Your business can qualify for the US Internal Revenue Service (IRS) Employee Retention Credit (ERC) Program if you meet the following qualifications:

  1. for profit business
  2. the business had to begin operations on or before February 15, 2020
  3. Between 5 and 500 non-family member W-2 employees {The minimum number of employees is for this company only & not the IRS.}
  4. Have operations that were fully or partially suspended during any calendar quarter in 2020 or the first 3 quarters of 2021 due to orders from an appropriate governmental authority limiting commerce, travel, or group meetings (for commercial, social, religious, or other purposes) due to COVID-19.
  5. Experienced a significant decline in gross receipts during the calendar quarter in 2020 and/or 2021.

Some specific examples follow:

This company seeks to maximize the amount of the credit that each business receives for the taxes and wages already paid on their W2 employees in 2020 and/or 2021. Since the start of the ERC program, this company has helped 12,000+ businesses.



If you answered yes to any of the preceeding questions…

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If you answered YES to any of the preceding questions, please contact me to see how we can assist you.






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