Geneva CapitalReviews of gogc.com

Do not use this company. In my opinion, they are one of the most unethical companies I have ever dealt with. From my personal experience, they seem to prey on people who fall slightly behind on payments or are going through hardship. They send multiple threats and pressure you into a position where they can take action against you, even if you are only two or three days late. That is exactly what happened to me. I kept pleading for a payment reduction because my wife and I lost income from our main source of work. They were not willing to work with us at all. Instead, they laughed at us and told us that people like us should not own businesses. That comment came from one of their workers named Kyle. The harassment continued, and they eventually filed a court order to repossess my equipment. I had to hire a lawyer because they refused to speak with me or negotiate. That is the position they put people in: if you cannot afford the payments, how are you supposed to afford an attorney? Luckily, we had a family attorney. Other people may not be that fortunate. Even after we finally settled on an amount and everything was supposedly resolved, they still placed a judgment on my credit. I know I am not the only one with this experience. Read the other reviews and decide for yourself. From what I have seen, their lending practices and the way they treat customers are completely unethical.

I would like to clarify several important points in response to Geneva Capital’s statement. The “reduced payment plan” that was offered came with a condition that the equipment’s working condition had to be verified by their representative. Verifying equipment condition is typically the lessor’s responsibility, yet I was told that verification needed to be done under their terms. At the same time, legal documents were being prepared and delivery attempts were made, which made it appear that the intention was to move forward with litigation rather than resolution. I did provide the full physical address of the equipment when requested. The statement that I refused to provide the location is not accurate. In fact, after the dispute escalated, I reached out again expressing my willingness to continue making payments and to cooperate with equipment inspection. However, instead of working toward a mutually reasonable solution, repeated attempts were made to serve legal documents. I declined to accept service at that time because I was still actively trying to resolve the matter through communication. My decision to leave this review is based on the difficulty in having constructive discussions. The communication style used by their representative was consistently demanding and threatening in tone, which made productive resolution challenging. I remain open to resolving this matter in a fair and reasonable way.

Absolute trash - avoid at all costs Geneva Capital - and, as far as my own experience goes, Connor Winkleman - are the worst kind of predatory lenders. During the sales process everything went super smoothly and Connor made a number of very explicit promises about his ability to find a buyer for me if, "at any point", my CNC proved to be more than my business needed or could support. The second the financing documents were signed, Connor - and his empty, worthless promises - disappeared on the wind. From that point he was rude, combative and unhelpful. After I received the machine they sent me harassing emails every week to sign a document attesting that my machine was setup and installed - when it wasn't - and ignored my questions about why they needed such a document, which felt like it was - frankly - none of their business. Connor then used my refusal to fraudulently sign a document (that they had no business asking me to sign) as a basis for why he could no longer help me in all the ways he promised when his commission was on the line. If you are pointed in Geneva's direction by Shopsabre or another manufacturer, RUN LIKE THE WIND. They are shady, dishonest and rude people.

Avoid at all cost!

They would not finance us with a cosigner that has over $1.5mil in assets & we offered to pay 1/2 down. Amazing that you can go get a car in 30 minutes, but this company makes it impossible for a startup business to get assistance for a small dollar amount.

Customer Service is deplorable. I put a large deposit down of $50k + and made on time payments thereafter for a year and a half straight. This summer my business took a huge hit and I was unable to make a payment. On 8/5/24 we spoke with Geneva and were transparent of the business situation. They suggested a payment plan for equal payments on 8/16/24, 8/23/24, 8/30/24. Fine, I told them that I have to speak with my business partner in this regard. We both agreed that it was the best option and notified them. This is where the issue started. We both had trips scheduled a year in advance from 8/8/24 - 8/16/24. When we got back we were going to make the payments on those dates. During our trip we received three emails from Deb Soine. (who was very respectful up to this point). One on 8/9/24 asking for a status, 8/15 stating that since she hasn't heard from us and if we didn't get a payment in by 4pm that day, she was going to turn the file over to legal and 8/16/24 stating that since we didn't contact her she is turning the file over to legal (mind you we are out of the country with little to no service). On Friday, 8/16/24, we received a legal demand letter from Mike Tripp. We got off the plane to a slew of harassing emails. As mentioned, the payment plan was to start on 8/16/24 in which we we planned to submit that day. Being that this was escalated, we did not submit the payment and decided to respond via email the following work day 8/19. Mike Tripp responded that it doesnt sit lightly with him that i am taking vacations while being past due with creditors. Very unprofessional! To even have the gall to infer that because we have business debt, we can't/shouldn't go on a family vacation is asinine. And I told him just that! I also asked him to be respectful and keep his personal opinions and rhetoric to himself. Its none of their business, however, these trips were booked and paid a year in advance prior to our current business situation. He then responds that he checked my credit profile and sees that we are paying every other creditor so he knows that I have the ability to pay and that prioritizing vacation over paying creditors is my choice. Again, inviting his personal opinion and personal attacks For him to check my personal credit profile and deduce that because of my personal credit profile, we have the ability to pay a business debt is fatuous, especially not even knowing our other business debts. Again, I told him these tactics or shenanigans that you continue to employ are unprofessional. After this dialogue, I reached out to Ms. Deb Soine and left a voicemail, in which she called me back and stated that she knows that I have personal credit cards that I can use to pay this business debt. She also questioned why I would go on a vacation if I had bills. That was all I needed to hear. It could be a microcosm, but the sheer ignorance and imbecility of these two people speak volumes of the company. STAY AWAY FROM THIS COMPANY.. unless you like being harassed, terrible customer service and a company that thinks your personal livelihood is dependent on the company.

Okay these people are liars and you will pay 1/3 or more in interest. Stay far away from them and this is Troy and I wrote the other review.

I would warn any small minority business on doing business with Geneva Capital. They mislead you into thinking they cover you more if you opt to get the insurance that they could provide only to leave you without equipment when a valid claim is made for replacement or repair. They'll allow you to state what you would prefer only to make the decision that works for them and the insurance company they work with. This company lacks integrity and should be closed.