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SMALL BUSINESS LOANS
MERCHANT CASH ADVANCE

Efrain Rivera
Efrain Rivera


I am Efrain Rivera, a devoted Christian, a loving husband, and a proud father of three energetic boys. My professional journey has been a dynamic blend of expertise in media research, commercial insurance inspections, and real estate.

With a robust background spanning over 18 years in media research, I have cultivated a deep understanding of the industry, contributing to the evolving landscape of media dynamics. My analytical skills and passion for staying abreast of trends have defined my success in this field.

For 7 years, I navigated the intricate realm of commercial insurance inspections, honing my attention to detail and risk assessment capabilities. This experience allowed me to develop a keen eye for evaluating potential challenges and finding effective solutions.

In the realm of real estate, I have dedicated a decade to helping individuals and families find their dream homes. Guiding clients through the complexities of the real estate market, I have been privileged to witness the joy of home ownership and the fulfillment of dreams.

Beyond the professional arena, I find immense joy in spending quality time with my family. Whether it's the wind in my hair during bike rides, the thrill of water rafting adventures, the serenity of camping trips, or the shared triumphs of hiking expeditions, these moments create bonds that last a lifetime.

My commitment to excellence, driven by a strong work ethic and a passion for helping others, defines my professional and personal life. Rooted in my Christian faith, I approach each endeavor with integrity, compassion, and a desire to make a positive impact on those around me.

Join me on this journey as I continue to embrace new challenges, build meaningful connections, and celebrate the beauty of life with my cherished family.

GIVE ME A CALL AT

(919) 335-2694

Efrain Rivera
Efrain Rivera

Mom & Pop is more than proud to have our National Sales Managers and ISOs on our platform!

I am here to help you with your business and your working capital needs. We provide unsecured working capital up to $1,000,000.00 in 2 to 3 days with a minimal amount of documentation for ease of entry as you as a business owner have better things to do than compile documentation for a bank over the course of 60 to 90 days.

Mom and Pop Merchant Solutions DBA Mom and Pop Business Funding as well as myself are here for you, now, and in the future to meet your financial needs.

APPROVED FAST

Mom and Pop Merchant Solutions DBA Mom and Pop Business Funding approves and funds more deals than our competitors. We will look at any type of credit and, companies that have't been in business very long. Our in-house underwriting team is more apt to approve files that other funding companies turn down.

IN-HOUSE UNDERWRITING TEAM

With our own in-house underwriting team, we can get a decision faster than any other funding company, so we can fund deals quicker. Most of our files are approved the same day, and often times fund the same day, which means the business owner gets their money faster and thus they end up coming back more often than not for additional capital.

ACCESS TO US 24/7

Because we perform our own in-house underwriting and funding, the business owners will get their working capital quicker. Faster funding means happier clients and repeat customers. Because of this, business owners often recommend fellow business owners.

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4.7
1,015 Reviews
Richy Scombe
This is one of the greatest trainings I've ever experienced. I really do like the no nonsense approach. I love that Brett Believes anything can be done and has done it. . This experience only built my confidence and knowledge of how to deal with people professionally and pleasantly . Feeling Blessed!
Patricia Barrett
I think it was very informative and educational and inspiring.
Oscar Flores
Bret's class was very informative and insightful. He offers great explanations on how the industry works and helps you understand what to do to be successful. There is a lot of unique advice given that is very helpful for anyone. It has been a great experience being able to learn from Bret and I would highly recommend this opportunity to anyone.
C Bitz
This is a great opportunity and an awesome training. I have been in sales for 40 years and Bret knows unique ways to get the word out that I haven't heard of before! Plus, it was free! Highly recommend this class and this company if you are looking to change your life financially.
Mary Swanegan
Loved it! Everything exceeded my expectations from start to finish. 5 stars without hesitation!
Steve Elliott
Bret is a great teacher. The class is thorough and very easy to understand. Also had marketing advice that I had never heard of.....pure genius Bret!!!Thank you Sir!
Mary Brand
Great job and very thorough!
Jay All
This seems doable if you put in the time. I like Brets no bullshit approach to getting his method across he seems to know his stuff. If your a soft person who can't take bold no punches pulled conversation you might not like this guy but if your okay with straight forward call it what it is conversation then you'll dig this dude. I think hes great and look forward to working with the dude.
Jacob Malecha
Training has been sensational and look forward to become part of the mpbf family! God Bless America!
Elizabeth Bailey
Bret Martin….explain everything about the company he was very thorough, and I listen to the recording, I think it’s a great opportunity for anyone because you really have nothing to lose. You have all to gain..
TYMARY CHARNICKY
Bret and Greg are a glass of ice cold refreshing water in a 115 degree summer in Arizona! Off the charts excellent coaching and training for anyone deciding to "burn their boats."...and proceed on a new successful adventure they have been on for a couple of decades or more.
Isabel Linares
Great class instruction by Bret. He is knowledgeable. I appreciate everything that he taught me and would like to thank him for this opportunity.
Danforth Academy
Class was amazing! very easy to understand and they set you up for success!!!! love it!! I'm pumped!!!!
TZIU ART
Tina SP - I began training with Bret, and he's unlike anyone I've encountered before. His approach is refreshingly straightforward and often sprinkled with humor, which kept me engaged throughout the sessions. I deeply admire a businessman who combines a sharp sense of humor with genuine compassion to support others.
Donald Autry
Bret was awesome! I enjoyed the class very much.
Jessica Gettle
Great training, solid people!
Mark Williams
Great training with Bret! Even though he is dealing with some health issues and a family emergency my head was going to explode from everything I learned. I have never thought of the marketing the way he figured out years ago, pressed down, rolling over and gave it to us fast! Blessings and get and stay well.
Stephen Bianchi II
Great knowledge and awesome to listen to. I enjoyed these classes and will re listen to them often. Thank you
John Roth
I've been I many classes in the past that were long and structured.... Bret Martin I a first class educator. He made u feel comfortable and wanting to join there organization.....and I did!!
Jazana Sanchez
Great class!!!
Sean Robinson
An amazing class. Very knowledgeable, straightforward, by the best teacher.
Ophelia Onyx
Took Brets free class came out looking forward to making the most of this business opportunity he made things as simple as possible straight to the point and that's that no guessing it wondering what you should be doing he's explained everything couldn't be easier to understand can't wait to move forwardRianna
ISM OZP
Bret is a genius, I didn't participated the course directly expect through recording but I can definitely say that I do appreciate everything that Bret delivered. For me it's a huge opportunity to stumble across this course and I'm fire up to get going with it. Thank you Bret.
Eddie Wagner
awesome class
C. Alan Robinson
The class that Brett teaches you A-Z about getting started in the MCA business. It was a wealth of knowledge and experience.
Angel Romero
Incredible opportunity and great education.
Wes Clayton
Bret is super funny! Great training and very knowledgeable guy!
hassani rayane
Bret Martin’s course with Mom and Pop Business Funding is one of the most valuable training experiences I’ve had. The content is clear, direct, and based on real-world knowledge, not theory.Bret shares powerful tools that come from his personal experience funding over 25,000 deals. He doesn’t just teach, he leads by example, with energy and real passion for helping ISOs succeed in revenue-based financing.This course is a must for anyone serious about getting into the MCA industry.Thank you, Bret, for such a high-value course and for being a true mentor.Ryan H.
Irene Ramos
Its awesome to have the owner Bret take time out to teach the class, I really appreciate that. I'm getting top notch instruction from the expert-Thank you Bret!
The Real Mack Grant
Mr.Bret gives us clear advice and instructions on the business. I appreciate that greatly. Thanks for the opportunity. - M.Grant
Luis Estupinian
I had a fantastic experience in this class!Bret is not just a good trainer, he is truly passionate about what he does. He takes the time to connect with participants from all over the country, tailoring his teaching to meet everyone's needs. His energy, patience, and real-world insights into what it takes to be a successful producer made the sessions both educational and inspiring. I walked away feeling more confident and motivated to apply what I learned. Keep rocking, Bret, you are making a real difference!
Glenn McCall
The training by Bet Martin was something you don t get anymore..A seasoned professional.. Covering the importand points but still making time to answer questions.. Looking forward to eventually metting him
WakeUp Ministries
One of the best training and company ever. This is my second time around. Gave me reason and being disabled sometimes you need one. Thanks.
John Honore
The class was great, I learned a lot in a short period of time.
Doug Arnoldi
I think this is going to be a good thing
Samantha Parker
Really enjoyed the classes and learned a lot. After attending the classes I'm very confident that I can do this job now and that this is an honest and good company to work with
Rachel Cavanaugh
Brett's classes flow, his way of sharing his knowledge keeps one wanting to listen , along with his laid back demeanor and quirky slick come back , keeps you listening . Best part he accepts one as they are , in your time, not his , come when your ready, nice , no pressure. Thank you
Euro Pros K-9
Bret Martin personally teaches the free four day training program. His vast real world experience provides a solid foundation for every student. He imparts the indepth knowledge that points the student toward success. Pay attention to what Bret teaches, put in a full time marketing effort as he suggests, and with consistent hard work . . . you will achieve the monetary success you desire. Bret also provides ongoing Advanced Training, with out cost. You cannot lose with Mom & Pop Business Funding.Linda W.Sarasota, FL
Lana C
Training was very informative. Gave me the confidence to get started right away.
Leo Holmes Holmes
Brett's energy really aligned with my attitude toward business. He is very detailed and encourages the, 'keep it simple and don't over think it approach' . I'm putting his direction into action and if it works for me I will be back to give him the 5th star!thanks Mom and Pop
Cesar Wick
Bret is a down to Earth, knowledgeable, and successful individual. Training is top notch and filled with golden nuggets. Very happy to have been in contact with him and the company. No regrets!
S Vang
I stumbled upon Mom and Pop Business Funding by accident and it's a blessed opportunity. Came at the right time of my life, after meeting Bret and completing the training it was certain. Bret and his team are amazing individuals who displays the passion in helping others, even willing to work after hours to answering questions with quick turnaround with responses. The training was thorough added unique sales tactics that works. Highly recommend working with them!
Michael Ramlochan
CLASS WAS GREAT. LEARNED A LOT
Johnny Mac
Deceptive, misleading, and utterly disingenuous! Avoid them at all costs, for they are a complete waste of your precious time! Their words are nothing more than a tangled web of lies, spun by a group of cunning swindlers! Seek out an honest profession!
Jason Schlessinger
Bret paints an overly rosy picture of how easy it is to make money with this job. Convinced by his assurances, I even invested in leads, hoping for a competitive edge. I shelled out $550 for 1,500 email leads, yet not a single person expressed interest in a loan, much less proceeded with an application. The black envelopes, which were supposed to grab attention, also failed to generate any business. In total, I poured over $900 into leads, envelopes, stamps, and glossy paper printing, without a single funded deal to show for it. The only glimmer of potential came from word of mouth within my personal network. From my perspective, the only businesses likely to take these loans are those teetering on the brink, having been rejected by banks and desperate for funds, regardless of steep interest rates. Such businesses are far scarcer than one might imagine, particularly in a struggling economy.
Fabian Asensio
Beware..this is from an honest Glassdoor member who tried this..ConsBret completely oversells the ease of earning money doing this job. I even paid for leads that I thought might give me a little advantage. $550 for 1500 email leads and not a single person inquired about a loan, let alone applied for one. Black envelopes didn't yield any business either. Over $900 invested between leads, envelopes, stamps, printing on glossy paper and not a single funded deal. In fact the only potential business I had was word of mouth within my network. Lastly, and this is just my personal opinion, the only businesses that will go through with these loans are businesses that are on their last legs and have been turned down by banks and are in dyer need of money, regardless of how high the interest rates are. Not as easy to find as one would think in a bad economy.Advice to ManagementDon't oversell how "easy" it is to do this and make a good living, especially when those people do exactly the things you mentioned in your calls/emails and don't see the results. Nothing like getting your hopes up for nothing.
Avery brown
I thank God for Mom & Pop Business Funding! They have truly saved the Day! I could not have done it without them! Super Blessed! Thank you Bret! Sorry for being inpatient, you are truly a brother from another Mother.
mike bieber
Bret's training was practical and to the point. He makes it very clear why Mom and Pop Business Funding is vital right now and why it's simply a golden opportunity to jump in and get started with their support.
Joe Marchione
The best training I’ve been on in a long Time. I like your no nonsense straight to the point approach.
Vladimir de la Cruz
This is not only a great business opportunity with a great company but also one of the best marketing classes you will ever have from a top producer in the financial industry!! Thanks, Bret!!
Fredy gonzalez
Amazing training, they teach you so much even when your new just starting off. Great classes to take and love the approach of the boss Bret Martin!
courtney willis
The training with Mom and Business Funding was educational, informative and life changing. If you're looking for an experience that will enhance your life and finances, then you definitely want to get involved sooner as opposed to later.
Rashaad Rolley
Very passionate man who will not only educate you about the industry but he will motivate you to unlock your true potential. Certainly eye opening!
Briana Jackson
I have never had anyone train me and prepare me for business and LIFE like the true GOAT Brett Martin. He isn't stingy or manipulative like many of the other business owners who don't care for their agents to get in a good enough position to beat their numbers . He's the GOAt no doubt. The one and only true mentor in this industry is Brett Martin.
Henry Thompson
Mom and pop are by far the best in the business I have tried other so call make you money training in this industry and all I was doing was spending money and not making money Bret and his team have not charged me a dime or ask me to upgrade for anything the training was free the marketingstrategies was free all I had to do was spend a little time without spending money this week of training was all Free even the marketing material was free who is doing this only one and only mom and pop I really appreciate the opportunity and glad that I found this platform thanks Brett I owe you one.
Samantha Shivion Manning
Truly informative and inspiring! I rewatched the videos so that should tell you a lot. Look forward to working with you in the future.
Bradly Santiago Mendez
This 4 day mastermind was like no other. Bret is an aficionado when it comes to business funding. We will show you the in’s and out’s from how to find business, marketing, and closing the deal. Thanks Bret! To our success 🥂
RJ S
Bret was awesome! A TRUE business man, humbly hailing from a lifelong lineage of business wisdom, talent, perseverance and performance (knocking it out of the park!), ingrained in him since a young, enterprising child. A God Father, "The GOD FATHER," of the ever evolving, ever exploding world of MCA: "Merchant Cash Advance," a small or medium sized business's "Life Jacket" or "Life Boat," quickly, safely... bringing them back to shore, "saving the day," insuring that they don't go under, don't get swept away... by the treacherous, unyielding, waves of the "traditional," banking loan industry. It's truly amazing how Bret has been at the forefront of the industry's and Mom and Pop's, absolutely "exponential" growth and resiliency, END of Story.
earnwithtracy
I was blown away by the training Bret provided. So many great marketing tactics that he so graciously shared with the class. I love how he presented everything. He takes the time to go over everything he’s teaching step by step so even newbies can understand and follow along. I can’t wait to put his creative marketing strategies to the test. So excited to be a part of this company!
Mark Hooker
The training for the, "Mom and Pop Business Funding " , opportunity isunparalleled in it's no non-senseapproach, grounded in real world experience. A Must Have, Do, for anyone serious about making a difference in the world by helping others in Business, while makinggreat money for yourself.A True, Win Win situation !!!
Clifford Harris
Bret Martin skillfuly teaches and motivates people new to the MCA industry.