In response to the owner's reply I want the public to read the following carefully because the documented evidence tells a very different story than what the owner is presenting
On May 5 2026 EquityMax staff member Maria Pejdanovska wrote to me in a formal email and I quote "Michael we will not be able to payoff the existing loan in full on this deal based on credit solely we will not want to do more than $300K loan amount exposure"
On May 6 2026 that same staff member wrote and I quote "Michael we do not have minimum credit requirement to do a loan on a deal however we will not lend $1M to a borrower with credit scores in low 600s or 500s With challenged credit borrowers we do not consider deals larger than $300K" And the owner himself Gregory Emmer wrote and I quote "It is impossible to explain that logic or sixth sense on a website or in marketing print".
Now let us look at what their own website says and I quote "We do not require a minimum credit score and can offer you a loan regardless of your past credit history" And from their own FAQ page and I quote "EquityMax does not have a minimum credit requirement We can offer all borrowers a loan regardless of credit score or past or current credit history "
To the public reading this I ask you to compare those two sets of statements side by side Their website says "no minimum credit score and a loan regardless of your past credit history " Their own staff says they will not lend $1M to borrowers with scores in the low 600s or 500s and that deals with challenged credit are capped at $300K Their own owner admits this criteria is impossible to explain on a website or in marketing print
That is not a judgment call That is not underwriting discretion That is a documented bait and switch in their own words. The owner claims "I demanded a loan" That is another documented falsehood (lair) I never demanded a loan I asked EquityMax to do their job as an asset based lender I asked them to manually underwrite the file with the following documented evidence Proof of income showing my client earns $15,000 per month which more than supports the debt service A BPO from a licensed appraiser confirming the property value of $1.45M A formal letter from the mortgage servicer confirming my client was never four months behind on a single payment The adverse credit reporting was the direct result of my client's former mortgage company failing to forward his payments to the new servicer during a loan transfer That error is now being corrected by the mortgage company themselves That is not a demand for a loan That is a request for a fair and honest manual underwrite using documented facts Instead of doing their job they ignored every piece of evidence and hid behind a skewed credit report .
My client is fully prepared to submit documentation proving he earns $15000 per month in documented income This documentation was offered to EquityMax and ignored Additionally the credit report they used as their sole basis for denial is factually wrong.
I would like to introduce him to the rough draft of the new National Funding Partner website currently in development "We structure and align complex $25MM to $250MM transactions for institutional capital backed by 80 years of leadership experience and a global advisory network with over 3 billion currently in our pipeline . Perhaps before questioning another professional's credentials and website he should focus on explaining to the Florida Attorney General the Florida Office of Financial Regulation and the Consumer Financial Protection Bureau why his own staff admitted in writing that they will not lend to borrowers with credit scores in the low 600s or 500s while his website promises a loan regardless of past credit history
A website under renovation is temporary A violation of Florida advertising law is a matter of public record Regarding the owner's comment about my profile picture I want to be very clear for the public reading this The eye condition he chose to mock and imply was the result of a fight was in "fact a serious medical infection I suffered a couple of years ago"
It had absolutely nothing to do with a fight or unnecessary conflict as he implied For the owner's information I am a former special ops veteran, and a former Muay Thai champion, as well as an experience MMA combatant,. I have nothing to prove to anyone about my toughness or my ability to handle conflict . The difference between me and him is that I handle conflict with documented facts evidence and the appropriate legal authorities not with personal attacks on a public review platform. His decision to make that implication about my physical appearance on a public platform while responding to a documented consumer complaint may itself constitute defamation and will be included in our complaint package to the Florida Attorney General I will let the authorities decide what to do with it. and we are meeting with our Attorneys. read more