What are you really worth?


It’s a simple question, but how do you answer it?  Isn't the most important investment you make the one you make in yourself?  When you consider your 'to-do' list, why not make a 'to-be' list?  Are the people and ideas you surround yourself with today inspiring in you a remarkable possibility? 

Borrow Smart University™ is about mastering the 1-on-1 conversation with a client or referral partner in a way that maximizes your value to them.  A conversation about what?  Ralph Waldo Emerson said there were only four conversations worth having in life - TIME - MONEY - FAMILY - PURPOSE.  Our primary conversation often starts around MONEY, more specifically the liabilities that we offer to accomplish financial goals.  As a liability advisor, your daily conversation about MONEY will more dramatically impact the TIME - FAMILY - PURPOSE areas of your life and the lives of those you serve.

We believe that how a consumer borrows has a greater impact on wealth creation than any other money activity they will undertake, and we'll prove that to you in the course.  If you can't manage cash and liabilities, the rest of the game (investing for wealth) never really begins.

It is hard to explain all that you'll receive; you could talk to any of our graduates - or simply contact us if you'd like some names of people to speak with.  I recommend you watch the graduate videos and read the testimonials, OR take a leap of faith and enroll now.   This will be a transformational experience - as you finish this course expect a totally new perspective on your role as a leader/lender in our industry.

What to Expect?

A self-paced online curriculum - our approach is to first learn how to learn.  The material is designed to help you engage.  Many of our graduates say that of all the courses they've taken as a lender, this was the most practical - with so many ways to apply what they learned immediately in their own lives.  You'll receive perspectives from all three sides of the balance sheet, and you'll yourself be a major part of the overall curriculum. 


Some things you'll learn that will be most impactful:

- how to decimate your competitors any time a client asks about rates.

- how to deliver a compelling prospect introduction that gives you an unfair advantage.

- how to communicate to agents, accountants, and advisors why you are their best choice.

- how to manage your own cash flow and finances toward your own definition of financial freedom.

- how to better express the value of the services you provide to your clients.

- how to incorporate our CALM™ - Cash and Liability Management financial education.

- how to use our FAST System - to create a Financial Advisor Success Team for referrals


What else will you receive with this course?

A right to use the Certified Liability Advisor, or CLA designation and logo on your website.

An electronic copy of the Borrow Smart Repay Smart book.

A license to our Borrow Smart Conversation PPT, and several other PPT courses you can teach as a CLA.

Access to all the materials presented in the class, over 700 pages.

A variety of excel workbooks for investment properties, and presentations.

An appointment on our non-profit site as a Facilitator (upon graduation) www.niofe.org.

A graduation package that includes a press kit, logos, and more.

A diploma that is suitable for framing.

Access to our SoundCloud account with audiobooks and more.

Access to our growing community of graduates and future learning opportunities.

Access to our private Facebook page with weekly resources to share on social media.

Access to our CALM™ Teaching Materials for Realtors, and consumers

Access to private tools and resources on LenderLaunchPad (coming soon)