Stephens & Associates Accounting & Tax Solutions - Ventura (CA)

Anna Petrenko Please don’t use them—not even as a last resort. What they offer isn’t a loan, it’s a lease disguised as one. They’ll promise you the option for early payoff, but when you ask for a quote just a few months in, they’ll demand the full amount of all future payments. We put $35,000 down and financed $50,000. After just three months, they told us the payoff amount was $90,000—even after applying an $11,000 "early payoff discount." The down payment we made didn’t reduce that amount at all. We agreed to the deal because they claimed we could save on interest by paying early. But the interest rate they charge exceeds legal limits. And because it’s a commercial transaction, there are no legal protections—this kind of predatory practice is technically allowed. They prey on small business owners when they’re most vulnerable. Please—wait, save more, and go through a real bank. Don’t let them trap you the way they trapped us.

Sonia Lopez I had an amazing experience thanks to Mirella! She was incredibly helpful, professional, and kind from start to finish. Mirella took the time to answer all my questions and made the entire process smooth and stress-free. You can tell she truly cares about providing great service. I left feeling confident and well taken care of. Highly recommend asking for Mirella if you want top-notch service!

Julia Rock Justin and Jennifer are both delightful to work with! Justin has managed our account for the past two years with great success. They follow up with us regularly and keep us informed as the market changes. The thoughtful cards and gifts they deliver throughout the year are a nice touch, Justin even delivered an apple pie to our house for July 4th! Investing can be overwhelming and scary but Justin Gomez makes it easy to understand and, even better make a nice return. Jennifer is incredibly helpful and friendly. We are so happy to be here!