My Top Tier Business Review – A Matt Lloyd Licensing Program Scam

Here We Go AgainScreenshot (42)

Just when I thought I’ve seen it all I find this. Another scheme claiming to be 0ne of the best work at home jobs and will make you rich!  So you might be asking yourself why I am making such a bold statement about My Top Tier Business and why I feel this is just another scheme, targeted at taking money out of the pocket of hard working people who simply want to get ahead in life. Lets Break this down and see why I feel so strong about recommending you stay far away from this one.


Name: My Top Tier Business

Owner: Matt Lloyd

Website Url:

Price: $49 (followed by a sales pitch to get you to spend $1,997 and a $99 a mo. recurring charge)

Overall Ranking: 20 out of 100

My Top Tier Business Intro

MTTB (my Top Tier Business) Is a 21 Step Training Program which promises to teach the average Joe that has no experience, How to make money by becoming a Partner with Matt Lloyd. Basically he takes your money and gives you some low end training filled with upsells. Sounds Good so far doesn’t it? (NOT) I mean who wouldn’t want to be partners with a successful entrepreneur offering to show them the ropes? Sorry to burst you bubble so early on in my review but all you are going to get is a Training Coach ( A Highly Experienced Sales Person). The average person looking to get ahead can easily be sold on this bait and switch type of marketing and by the time you figure it out they already have your money. Leaving you saying What F#%#* Just Happened?Screenshot (54)

I was first lead to this scheme because they offer a Free Way to earn money. The Word Free was what initially brought me to watch the sales video which of course by the end (after wasting close to 20 minutes of my life that I will never get back) slips in the $49 dollar sign up fee. After all, they need to know your serious about this and they can’t just give it away. If they did that then the coaches might be wasting their time on people who were not serious. If you buy that line then they already have you right where they want you because by the time you get through the first few lessons they will be telling you about everything your missing out on by not going platinum. At this point you will be Introduced to MOBE. Now Here comes the upsells. These people are professionals so WATCH OUT!!

So What Is MOBE

MOBE stands fore My Online Business Empire. This is Matt Lloyds main product (if you want to call it a product) it’s basically a licensing SCAM. You will purchase the MOBE license for $1,997  and then pay $99 a month after your first 30 days. You will also be made to sign a Non Disclosure Form. This is basically a Gag order preventing you from saying anything about the company. This Gag Order is pretty much the reason you see nothing but good reviews on the first page of Google in my opinion.

The 30 Day Money Back Guarantee Plus $500Screenshot (70)

Matt actually offers to give you $500 of his own money if you do not make money using his system. This is typical of these types of schemes. I see it all the time I believe they do this to give a person a false sense of security into thinking if it doesn’t work then you can always get your money back. Matt actually takes it to another level by offering $500 of his money. I talk more about this kind of stuff on my Identify Scams page here on this website.

I have been on a few forums to see if anyone has had issues with getting this Money Back Plus Guarantee, and as I suspected YES. You can’t get your money back if you haven’t completed the 21 day training as it is laid out. Matt actually weighs in on one of these forums and says he would give money back all you must do is prove that you did everything as it should be. I get that Matt, You can’t have dishonest people trying to take your hard earned money away. That just wouldn’t be ethical. Right? umm wait I mean, but, oh forget it. I honestly don’t understand how these scum can live with themselves. Let me tell you something. If someone has to offer you a money back guarantee, then there is a issue as far as I’m concerned. If your so called product is so good then why the upsells and the jumping through hoops once you realize you’ve been taken for a ride??


 Pros vs Cons


1) high earning potential ( just like Empower Network A lot of people made good money in the beginning)

2)Okay Training but not the best I’ve seen (See my Top Rated Training Recommendation)


1) Misleading Sales Video ( although I think one can make money doing this chances are a newbie won’t)

2) Not upfront about the up sells ($1997.00 is a lot more than the initial $49 you pay to join)

3)Not Free to join ( you should be able to try a business like this out for a week before you invest anything)

4) To many customer complaints ( way to many complaints on the forums I have visited )


                      My Final Opinion on MTTB

                                      cooltext1667297187 My Final Comments

Although I think someone could make money with this I feel it would be extremely difficult.  A person new to this type of business will have a very difficult time. I found no evidence of MTTB not paying their affiliates. I find MTTB to be extremely misleading. They broke my trust when I was lead to believe it was Free and then got pitched a $49 sign up fee. Upon further research I would find that there is a massive up sell pitch which shows me that Matt Lloyd is not being transparent or upfront If I could say one thing It would be What about Ethics and Honesty?

I would love to hear from you. Please Leave A comment or ask a Question.


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  • Jason
  • Team leader and owner at True Prosperity Online Scam Prevention Team. I have been involved in affiliate marketing for since 2014 and I love what I do. Especially Exposing Online Scams. I started my journey in 2011 and have fallen for my fair share of scams but that all changed in 2014 and now I Expose Scams to help others stay safe online....


  • my fiancee is in the process of copleting step 8 of the program. She did sign the non disclosre agreement and cant say anything. I went throgh the 8 steps with her and even met her “coach” on skype who was probab;y thinking they were going to get two pigeons to obtain license fees. We have a call set for 6:30 on 7-10-16 and thats when she’ll get her bombshell that we arent doing it. y fiancee signed the nda, I didn’t, therefore I can and will say whatever I want to. If anyone has anyqestion or wants to talk, I can be reached at I’m looking forward to hearing from some of y’all

    • I hope she doesn’t fall for it. I actually spend a lot of money investigating these scum. Let us think about this. If the program is sooo good and people are actually making money then why do you have to sign a gag order not allowing you to share this so called GREAT opportunity?????

  • Jason,

    Thanks for this awesome job of calling a Scammer a Scammer!
    Matt Lloyd with MOBE to MTTB and the same license scam is really lame.

    As you pointed out NO Free anything to even check it out.
    Great job and thanks for keeping folks away from Programs like this.


    • Gary this guy is one of my top 5 people to watch. He is scamming people left and right and I am doing my best to reach his potential victims before he sucks them dry and steals the hard earned money of innocent people.

  • Excellent information! There are so many scams out there! These feed off of the vulnerable. Thanks for helping us to avoid this trap.

    • I’m glad it helped Cindy.

  • Hi, Jason

    I don’t know where they get all these scammy names from like “my top tier business” because they sound so cheesy too. Haaaa.

    The asking price for this program is completely ridiculous and nobody in their right mind would pay such membership prices. But then again, programs like Empower Network have people fooled good and proper.

    This is something I’m staying well clear of.

    However, your number 1 recommendation of Wealthy Affiliate seems awesome and I’m heading over there right now 🙂

    Cheers, Neil

    • They definitely do their keyword research don’t they.

      • Yep! 😛

        Have you ever fallen in to the trap of online scams, Jason?

        Just out of interest, how is Wealthy Affiliate working out for you?

        • Neil, I have fallen into the trap of online scams. In fact every review that I have written thus far I have joined and experienced. I feel it necessary to personally experience everything I write a review on. Wealthy Affiliate has been a heaven sent for me. This is the first real opportunity I have come across in the 4 years that I’ve been doing this and WA is the 1st place I have been able to earn money from all of my hard work. So I would say that Wealthy Affiliate is working out GREAT.

  • It never surprises me how all of these scams sound the same. Anyone who has truly become successful online will tell you that it takes a lot of effort and patience and the money will come slow and low at first. Anyone who claims otherwise is an outright liar.

    But the problem isn’t just these scammers but it’s the people who fall for this crap. I mean come on! Use some commonsense. NO business, whether you own it or are starting out working for it, will pay you large sums of money. That’s not how business works!

    Great review Jason. I hope people who are thinking about this scam get to read your review first.

    • I don’t understand it either Robert, I guess it’s just the way it is in todays society. A lot of people are looking for easy money and just aren’t willing to work to get it. I think this might be one reason the scam artist do so well. Then there is the other side of it, people living on a fixed income or have been recently unemployed are desperate to make ends meet and are extremely vulnerable. These are the people my heart goes out to. It happened to me when I was laid off and I spent a lot of my savings only to get scammed. Hence the reason for True Prosperity Online. I will work to expose these scams as hard as I can and If I can save a few people from going through the horrible experiences that I went through It makes it all worth it. It feels awesome to have the ability to get people started earning money online the correct way and watching them grow and achieve success.

      Best Wishes

  • Thanks for the review, I think anything that asks you to fork out 2000 bucks just to promote something is way too expensive.

    With that price, it really is obvious it is a scam.

    Thanks for the review!

    • They don’t hit you with the 2k until you’ve already got into the training and then you feel like you have to in order to succeed. It’s a very scummy thing to do to people…

  • Hi Jason,
    Thanks for putting this review up. I hate it when you think something is free and you get the up sell at the end. Plus I don’t have a lot of time right now to commit so need something that allows me to build at my own pace and will provide the support as I grow. Thanks for steering me past this one, and I think your #1 recommendation has some merit in providing a sound environment to build a home business. Cheers.

    • There is a lot to be said about a place that you can build at your own pace, and not feel like you have to hurry up and start making money because you just emptied your savings account on a scheme like mttb. .

  • Those type of business never last! I like your recommended programs! Thanks

    • They always start out strong and eventually fade away as people start to catch on to the fact that it’s a scam. Unfortunately by then a lot of unsuspecting people have lost a lot of money.

  • My Top Tier Business sounds a lot like one of those other scams we’re mostly all familiar with. You know….the one that want’s you to “go all in”
    I’m am really tired of these programs that try to soak you on the back end after you’ve already paid an admission fee.

    • I know Steve! These scam artists really keep us on our toes don’t they? Well rest assure my friend, as long as these type of schemes are out there, I will be too. Exposing them for what they really are. Oh I forgot to mention in the post, they even have a Inner Circle just like another scam that we are well aware of. I will have to add that..

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