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Effective Business Consulting is not a lender and does not make loans or credit decisions. Effective Business Consulting provides a matching service only and is not acting as a representative, agent, or correspondent for any service provider or lender. Effective Business Consulting does not endorse any particular service provider, lender, nor loan product. You are under no obligation to use Effective Business Consulting service to initiate contact, nor apply for credit or any loan product with any service provider or lender. This service is not available in all states.