Help with money, without selling your future.
NIL33 is not a bank, lender, broker, or adviser, and it will not fund, broker, purchase, securitize, or collect against athlete income. What it can do is make the payer, the amount, the fees, and the release conditions visible, and point to lanes that do not capture your future.
| Lane | Structure | Athlete protection | State |
|---|---|---|---|
| Earned-pay access | Access only to already-earned, contractually payable funds held with a regulated escrow or payment partner | No claim on future income; clear fee; no compounding interest | needs a regulated partner (F-31) |
| Purpose-bound support | Education, equipment, travel, housing, tax reserve, or emergency support via grant, nonprofit, school, or regulated partner | Funds go to the approved purpose; transparent eligibility; no income assignment | referral and education only |
| Regulated fixed installment loan | Offered directly by a properly licensed lender after underwriting | Plain APR, payment schedule, ability-to-repay review, no NIL-rights lien, no future-earnings assignment | partner diligence first (F-31) |
| Future-earnings advance | Money now for a percentage of NIL, pro salary, endorsement revenue, transfer compensation, or lifelong income | None | not supported |
Protections you get today
Verified payer status
Whether the brand, label, agency, or manager is verified, and later whether the deal is funded.
Fixed-pay requirement
The deal card defaults to a stated amount, date, deliverables, and objective acceptance criteria.
Fee transparency
Every platform fee, commission, percentage, finance charge, and deduction in one summary. NIL33's own fee to athletes is zero.
Advance warning system
Contract Shield flags perpetual income rights, recoupment traps, auto-renewal, cross-collateralization, and revenue assignments.
Income record
Portable proof of signed work and disclosures for tax preparation and legitimate underwriting (your export).
Dispute freeze
Preserve the record and request review; payout pause arrives with the escrow partner.
Standard used for any partner selection and disclosure design: the consumer-financial-law protections the CFPB enforces (transparent, fair, competitive). Pooled client funds never sit in a NIL33-controlled wallet.