You may have heard of this incredible opportunity to make money through My Top Tier Business (MTTB) by Matt Lloyd.  This could have come though an email or you may have found it while searching the internet.  Is it a real opportunity to make money or just another business opportunity scam?  Let’s find out.

My Top Tier Business MTTB Scam Claims

The “secret” to wealth that I discovered was a marketing system that takes online leads and turns them into money.

There are only 2 steps:

  1. You bring me leads.
  2. I give you money when I sell things to those leads.

I call it…

My Top Tier Business (or MTTB for short)

When you join MTTB, I will pay you commissions of $1,000… $3,000… and $5,000 without you having to lift a finger.

You have nothing to lose. – Source

My Top Tier Business MTTB Scam Reality

This is one of the most unethical programs that I have looked into. Here is how this scam works.

1. They make you think you will gain free access to their program on their email capture page.  The reality is you have to spend $49 to access the program.

2. Then they make you think that you can make $1,000, $3,000, $5,000 commissions after spending $49. The reality is you have to spend $1997+ to achieve the high commissions they are claiming for this program.

3. They interview you and get you to sign a Non-Disclosure Agreement.

4. On step 6 of the 21 step program they upsell you to a $1997 MOBE License. This is required to achieve the high commissions they are claiming for this program.

5.  With the remaining steps they attempt to upsell you to as many other programs and information products as they can.

6.  When you have completed the steps they have you promote this to your network and they have you drive internet traffic to them.

There is no reason you should ever pay a marketing company for the privilege to drive traffic to them and sell their products.

They claim you have nothing to lose and they have a 30 day risk free guarantee.

If you check their refund policy you will find that only the initial charges are refundable.  You have plenty to lose on high ticket purchases made in the MTTB scam sales funnel.  – Source MTTB Terms & Conditions

The MTTB 21 Steps (The upsells)

1. How To Make 6-Figures In Your First Year With Top Tier! (60 Minutes)

6. How to licence a proven & profitable online business. (26 Minutes) (MOBE upsell)

What Is My Online Business Empire MOBE?

MOBE Video

9. How to get $3,000 commissions with no extra work. (12 Minutes) (I wonder if this could be another upsell?)

10. How to get $5,000 commissions with no extra work. (11 Minutes) (I wonder if this could be another upsell?)

21. Discover a special one-time offer, you don’t want to miss. (9 Minutes) (I wonder if this could be another upsell?)

As you can see from these steps they are designed to upsell you and train you how to sell MTTB/MOBE products. You are paying to be a traffic generator for them. You are paying them to enter their sales funnel that sells you My Online Business Empire MOBE products. Less than 1% of people are able to make significant income by promoting this scam.

Hear directly from Matt Lloyd how the MTTB/MOBE sales funnel is designed to upsell you until you have exhausted your ability to buy.

MTTB / MOBE Scam Exhaust Customers Video


$49 Application Fee.

$1997 upfront, and then $99 /month MOBE License Rights.

The monthly charge is for the MOBE License Rights (MLR) Inner Circle, and must be paid to maintain an active affiliate status at the MLR level.

You get free access to 4 core products:

  1. Affiliate Bonus Domination (retail price – $291)
  2. How To Build A Funded Proposal (retail price – $194)
  3. Email Marketing Empire (retail price – $194)
  4. The OPT Formula (retail price – $194)

Included in the MOBE License Rights (MLR) Inner Circle are the following:

  1. MLR Inner Circle monthly newsletter
  2. MLR Bi-Monthly Calls
  3. MLR Monthly License Fee

Here’s a list of MOBE products for which you will receive 90% commissions:

  1. IM Revolution (retail price – $9.95)
  2. Instant Info Product (retail price – $9.95)
  3. MOBE Inner Circle (retail price – $97/month)
  4. MOBE Elite Earners (retail price – $97/month)
  5. Affiliate Bonus Domination (retail price – $291)
  6. How To Build A Funded Proposal (retail price – $194)
  7. Email Marketing Empire (retail price – $194)
  8. The OPT Formula (retail price – $194)

Here is a list of MOBE products for which you will receive 50% commissions:

  1. MOBE License Right Program (retail price – $1997)
  2. 60K in 60 Days (retail price – $4997 )
  3. Online Income Revolution (retail price – $997)
  4. The 90 Day Challenge (retail price – $997)
  5. Six Figure Coaching Secrets (retail price – $997)
  6. Add The Nitrous (retail price – $997)
  7. How To Make High Ticket Sales On The Phone (retail price – $1997)
  8. Done For You Emails – Only Sold To MOBE License Rights members (retail price – $97/month)
  9. Get Traffic 3.0 (retail price – $297 )
  10. MLM Launch Formula (retail price – $297 )

There is one more program called the Diamond Coaching Program (retail price -$4997), for which you will get $1200 in commissions.

Additional programs you can purchase.

The Titanium Mastermind costs $8,997 upfront, and then $199 / month. Only MOBE Licensees are eligible to become Titanium Mastermind Members.

The Platinum Mastermind costs $14,997 upfront, and then $299 / month. Only Titanium Mastermind members are eligible to be Platinum Mastermind.

Every MOBE License Rights, Titanium and Platinum member gets 5% commissions on the personal sales of the members they sponsor.

– Source MOBE Compensation Plan

You are looking at spending well over $25,000 plus $299 per month to get to the point were you can receive the high commissions they talked about at the start of this scam sales funnel. This is a very long way from $49.

Free Mercedes Program

With 5 points per month, MOBE Partners can drive away in a Mercedes Benz of their choosing.

Here’s how the point structure works:

  • A MOBE License Rights sale = 1 point
  • A Titanium Mastermind sale = 3 points
  • A Platinum Mastermind sale = 5 points

With 5 points you get a $600 per month lease.
With 10 points you get a $1,200 per month lease.

They are paying for a lease and not purchasing you a car. If you do not maintain your sales levels you are stuck with the lease.

Income Disclosure

Average income for affiliates is projected to be anywhere between $500 and $2,000 per year.  Since the average person is spending over $2000, the average person is losing money.

Less than 1% of all participants will earn sufficient income with MTTB/MOBE to serve as their sole source of income.  – Source July 2014 MTTB Income Disclosure

It is clear from their income disclosure that MTTB/MOBE is a great way to lose money. 

Refund Policy

Thirty-day, money back guarantee on the initial transactions only. All subsequent subscription fees are nonrefundable. – Source MTTB Terms & Conditions

Free Affiliate Program

They do offer a free affiliate program and you can earn 50% commissions on all low end products (under $500) but no commissions on high end products.  This program does not allow you to earn the high commissions they promote at the start of their scam sales funnel.

Here is a video of Matt Lloyd trying to convince you to spend lots of money to go to his MTTB/MOBE events.

MTTB Event Scam

Here is how the very unprofessional Matt Lloyd responds to critics of his company.

“Recently, a bunch of whiny broke losers decided to attack me and my business, on an internet marketing forum known for attracting such losers.”  – Source Matt Lloyd Email

My Top Tier Business MTTB Scam Conclusion

In my opinion, MTTB is internet marketing at its worst. This is not just a single level affiliate program.  There are pass ups to people above you if you have not purchased programs customers from your traffic are buying.  Also, members get 5% commissions on the personal sales of the members they sponsor. The upsells are massive and the prices are insane. The way that people earn money is by promoting the same sales funnel they have been victimized by.  Avoid this scam.