What Is David Allen Capital? A Scam or Legit – David Allen Capital Review

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David Allen Capital (DAC) is a finance division of Youngevity that provides small business owners with commercial loans and merchant processing.

Individuals can join DAC home-based business opportunity to make money as an independent commercial financial agent.

Yes, David Allen Capital is an mlm business opportunity.

A few people have asked me:

  1. What is David Allen Capital, scam or legit?
  2. Can you make money with David Allen Capital?

I write this David Allen Capital review to answer their questions and offer some insight into the business of commercial lending.

If you are planning to become a financial agent of David Allen Capital, you should read this review first.

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David Allen Capital Review Summary

Name: David Allen Capital

Business Type: MLM

Investment: Free

Recent Reviews:


  • David Allen Capital is a commercial loan and merchant processing broker, a financial service division of Youngevity.
  • The company uses the mlm business model to promote its financial service. Individuals can join DAC to launch their own home-based commercial lending business.
  • David Allen Capital mlm opportunity is free to join.
  • You earn commissions when brokering a loan to small business owners as well as recruiting others to join David Allen Capital.
  • David Allen Capital is a face-to-face sales and recruiting business.

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What Is David Allen Capital?

David Allen Capital is a commercial finance service division of Youngevity. The company provides business capital, merchant processing, business healthcare, and business voice & data service.

David Allen Capital is a Michigan company founded in 2015 by David Rutz providing small business owners with easy access to capital.

The company was acquired by Youngevity International in April 2016.

David Allen Capital offers its financial service through an mlm network of independent partners throughout the United States.

DAC provides little or no financial track record regarding its partners’ income or annual earnings.

Youngevity does not publish an income disclosure statement (IDS) for David Allen Capital. This should be a warning for all investors. It suggests that the company is hiding something.

I’ll discuss the importance of an IDS report later in this David Allen Capital review.

I strongly recommend that you carefully evaluate and compare David Allen Capital with other home-based business opportunities before joining.

You can use My #1 Business Opportunity to make a comparison.

How To Join David Allen Capital?

It is free to join the David Allen Capital mlm program.

You can have a sponsor or visit the company website to register for a free account, and the company will assign you a sponsor.

All David Allen Capital partners are eligible to sponsor others into the program.

However, completing the application process does not mean you are qualified to earn all commissions with David Allen Capital.

I’ll discuss the investments and requirements to become an active DAC partner in the following sections of this David Allen Capital review.

How Much Does It Cost to Join David Allen Capital?

The cost to join David Allen Capital is free.

However, there are other costs to get your business up and running. These costs are known as customer acquisition expenses.

You must invest in advertisements and marketing materials to find small business owners that need your service.

Besides the marketing expenses, there are travel expenses to meet with clients.

David Allen Capital is not a true home-based business. You must be on the road meeting with small business owners to sell financial services.

One thing that I hate about mlm is traveling from client to client conducting face-to-face selling and recruiting meetings.

This is the reason I choose Affiliate Marketing. You earn make money at home with your computer. No traveling is required.

How You Make Money With David Allen Capital?

The best option to make money with David Allen Capital is helping business owners acquired commercial loans.

The compensation plan is the document that outlines all the options for you to make money.

In this section, I will only discuss the important points of the David Allen Capital compensation plan. To see the full version, just click on the link to download a copy.

You must be an active partner to qualify for override commissions. An active partner must maintain a minimum of 1 loan funding every 6 months.

Here are your options to make money with DAC:

  • Selling financial products and
  • Recruiting people to join your team.

Make Money Selling Financial Products

You earn a personal commission on every funded loan.

David Allen Capital pays a commission rate between 4% to 6.5% based on the number of loans funded in the prior month. David Allen Capital calls this, Personal Client Income (PCI).

Here’s how DAC determined your commission rate:

  • 0 funded loan 4%
  • 1 funded loan 4.5%
  • 2 funded loans 4.75%
  • 4 funded loans 4.25%
  • 4 funded loans 4.5%
  • 8 funded loans 6%
  • 10 funded loans 6.5%
DAC personal commission

Every partner starts at 0. When you get the first loan funded, your first commission is 4.5%. Next month you close another loan, now your commission is 4.5%.

If you want to become successful with mlm opportunity, you must recruit others to join your team. Because the bulk of your income will come from your organization loans funded volume.

Make Money Recruiting Others to Join David Allen Capital

David Allen Capital pays override commission three ways:

  1. Personally Enrolled Agents override
  2. OpenLine override
  3. 2nd Generation override

There are requirements to qualify for override commissions. The first requirement is enrolling one active agent, a partner who produces funded loans.

Personally Enrolled Agents Override

The first override commission is from your personally enrolled agents. The commission rate is from 0.25% to 0.5%. This rate is calculated using your prior month loans funded number and volume.

DAC personally enrolled agents commissions

Look at this example, let say you at the 0 position and a personally enrolled agent gets an $80,000 loan funded. Yours Personally Enrolled Agents override is $400 (80,000 x 0.5%).

DAC commissions example
OpenLine Override

You must achieve position 1 and no partner in the Leg has reached the same position (1) for you to earn OpenLine override commissions.

DAC uses an unilevel compensation structure. When you personally enrolled a partner, this person is placed directly under you to start a Leg.

The illustration below gives you an idea of how to determine OpenLine override commissions.

DAC openline commission

The OpenLine override commission rates are as follows:

  • 0 funded loan 0%
  • 1 funded loan 0.5%
  • 2 funded loans 0.25%
  • 4 funded loans 0.5%
  • 4 funded loans 0.25%
  • 8 funded loans 0.5%
  • 10 funded loans 0.5%
2nd Generation Override

The minimum requirements that you must achieve to earn 0.25% of 2nd Generation override are:

  • At least 4 personal clients
  • $500K total team monthly funded value
  • At least 10 total team monthly clients

The 0.25% 2nd Generation override is calculated using the team’s total monthly funded value.

Let assume you are qualified, and your team monthly funded value is $600K. Your 2nd
Generation overrides commission is $1,500 ($600k x 0.25%). This is on top of other commissions and bonuses.

As you can see, the more people you recruit, the more loans are funded, the more money you earn. This is how mlm works.

There are other bonuses, commissions, and incentives that you can earn from Youngevity which require a different level of qualification. These are not the main options for you to make money. If you are interested in learning all the commissions offered by Youngevity, I suggest reading the compensation plan for more information.

I hope you can see that the best option for you to make money with David Allen Capital is recruiting agents (partners).

Can You Make Money with David Allen Capital?

Yes, you can make money with David Allen Capital. But It is not easy.

Commercial financing is a very competitive industry. It takes a long time to build up this type of business. However, if you are willing to invest time and money, you can make a good living as a commercial loan broker.

The problem with David Allen Capital is the lack of financial data. The company doesn’t publish an Income Disclosure Statement (IDS). It is difficult to know exactly how many partners earn a full-time income.

But, you don’t need a copy of the IDS report to know that 99% of mlm business owners make little or no money.


Because mlm compensation plans are designed to make money for DAC.

Is David Allen Capital a Scam?

David Allen Capital is not a scam. This is a commercial financed business opportunity. You do not make money unless you successfully funded a loan.

The risk of starting a commercial funding business is time. Writing a $100k or $1 million business loan is not the same as selling supplement products. It takes a long time to build a good business relationship with your clients to close the deal.

Don’t expect to make a lot of money a month or two after joining DAC. You should give at least a year before seeing any profit with this type of business opportunity.

Is David Allen Capital A Pyramid Scheme?

David Allen Capital is not a pyramid scheme for this important reason, you will not earn override income unless you can produce.

Remember, you are required to make at least 1 funded loan every 6 months to be active and earn override commissions.

MLMs that reward members based on recruiting activities are considered an illegal pyramid scheme.

Under the David Allen Capital compensation plan, you earn team income when you are a producer, not when members purchased products.

You don’t have to agree with me that David Allen Capital is not a pyramid scheme.

But you will agree with me that it is not easy to make money writing a $100k or $1million business loan.

Is David Allen Capital Worth It?

If you are interested in learning business finance or have a business finance background, I think is worth it to join David Allen Capital. It’s free to join. No other mlm opportunity allows you to join for free.

For those without commercial finance skills or knowledge, I don’t think David Allen Capital is a good fit.

There are other profitable home-based business opportunities for you to join. You should select one that fit your skills, knowledge, and interest.

Just ask yourselves this,

Do you know why you want to start a home-based business?

To earn extra money from home, to be your own boss, or to achieve financial freedom?

And to make money, we invest in a PROFITABLE business!

There are much better and less risky home-based business opportunities. I recommend you look at Affiliate Marketing.

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David Allen Capital is an mlm opportunity. It is not easy to make money as a commercial loan broker. The business is very competitive and required extensive knowledge of commercial financing to win clients.

MLM opportunities are not true home-based businesses. You have to travel and conduct face-to-face recruiting to grow your team and make money.

If you hate on-the-road sales and recruiting, like me, then you will have a hard time building a successful business with DAC.

There are other home-based business opportunities that do not require face-to-face selling or recruiting.

I choose This #1 Business Opportunity to make my fortune. You should click on the link to investigate before joining an mlm.

I hope my David Allen Capital review answers your question, what is David Allen Capital, a scam or legit?

Until next time.

Please share your own David Allen Capital experience below.

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