Hi Barry, based upon our policies and procedures, we actually do not charge upfront. Our work begins with your custom, credit analysis, and then continues in the planning and preparation of how to appropriately remove the inquiries that are holding you back from obtaining financing. Additionally, we are legally bonded and insured meaning that if you have any issues at all you may open up an arbitration dispute to get the matter resolved. If you have any additional questions we would be happy to answer them. Please feel free to contact us at 203-599-4157. We look forward to assisting you and answer any additional questions that you may have.