BBB Business Review

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This business is not BBB accredited.

Financial Solutions International

Additional Locations

Phone: (866) 237-0146 Fax: (309) 294-6129 View Additional Phone Numbers P.O.Box 5990, Chicago, IL 60680

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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Financial Solutions International include:

  • BBB concerns with the industry in which this business operates

Factors that raised the rating for Financial Solutions International include:

  • Length of time business has been operating
  • No complaints filed with BBB

Customer Complaints Summary

0 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 0

Additional Complaint Information

The Bureau has received twenty-nine (29) complaints since 9/28/05. The complaints are pending. Complainants allege that the company is offering advance fee loans and/or does not provide the loan after accepting fees. Consumers allege that the advance fees they sent ranged between $5000 and $40000. The company has an unsatisfactory record with the Bureau due to a pattern of complaints.

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Financial Solutions International
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: March 14, 2000
Business Management
Mr. Shirlay, Principal
Contact Information
Principal: Mr. Shirlay, Principal
Business Category

Advance Fee Loan Brokers Concrete Contractors Consumer Lending (NAICS: 522291)

Alternate Business Names
First Morgan Finance
Additional Information

This address is a well known mail drop. The company is not physically located at this address.
A Bureau representative went to the address shown to investigate the business and was unable to locate them. The Bureau attempted to reach the company by telephone and a recorded message stated that the "line is being checked for trouble". BBB experience indicates that the following are signs of advance fee loan fraud:

Pressure to act immediately. Advance fee loan schemers will try to get you to send money or give out personal information (credit card numbers, bank account numbers, Social Security numbers) before you get any paperwork. Insist on receiving the necessary paperwork before deciding whether to apply for a loan.
Will not provide location information. If the loan broker hesitates to tell you their physical location, beware; that is a common ploy to avoid law enforcement detection. Refuse to do business with the broker until you have their physical address or location and can check them out with the BBB.
Questionable connections to established financial institutions. Many of these schemes are merely telephone sales operations, so no connection will exist to an established financial institution. Ask which lenders the "loan broker" deals with, and ask for the physical address of the lender. Then contact the Better Business Bureau to request information on the lender.

Products & Services

This company offers loans on an advance fee basis.


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.