# EDGAR Filing Document

**Accession Number:** 0001656501
**File Stem:** 0001493152-23-001240
**Filing Date:** 2023-1
**Character Count:** 60834
**Document Hash:** a57e4a2885213547e3ba8607c8d7f4c0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001493152-23-001240.hdr.sgml**: 20230112

**ACCESSION NUMBER**: 0001493152-23-001240

**CONFORMED SUBMISSION TYPE**: 10-Q

**PUBLIC DOCUMENT COUNT**: 38

**CONFORMED PERIOD OF REPORT**: 20221130

**FILED AS OF DATE**: 20230112

**DATE AS OF CHANGE**: 20230112

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BorrowMoney.com, Inc.
- **CENTRAL INDEX KEY:** 0001656501
- **STANDARD INDUSTRIAL CLASSIFICATION:** SERVICES-BUSINESS SERVICES, NEC [7389]
- **IRS NUMBER:** 475168940
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 0831

**FILING VALUES:**
- **FORM TYPE:** 10-Q
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-56175
- **FILM NUMBER:** 23524947

**BUSINESS ADDRESS:**
- **STREET 1:** 512 BAYSHORE DRIVE FORT
- **CITY:** LAUDERDALE
- **STATE:** FL
- **ZIP:** 33304
- **BUSINESS PHONE:** 718-753-4285

**MAIL ADDRESS:**
- **STREET 1:** 512 BAYSHORE DRIVE FORT
- **CITY:** LAUDERDALE
- **STATE:** FL
- **ZIP:** 33304

?xml version="1.0" encoding="utf-8"?

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 10-Q**

**☒** **QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934** 

**For the quarterly period ended November 30, 2022**

**or**

☐ **TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**

**For the transition period from&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; to**

**Commission file number 000-56175**

**<u>BORROWMONEY.COM, INC.</u>**

*(Exact name of registrant as specified in its charter)*

---

| | |
|:---|:---|
| **Florida** | **65-0981503** |
| (State or other jurisdiction of<br> incorporation or organization) | (IRS Employer<br> Identification Number) |

---

---

| | |
|:---|:---|
| **512 Bayshore Drive**<br> **Ft. Lauderdale, Florida** | **33304** |
| *(Address of principal executive offices)* | (Zip Code) |

---

Registrant's telephone number, including area code: **1-212-265-2525**

Securities registered pursuant to Section 12(b) of the Act: None.

Securities registered pursuant to Section 12(g) of the Act: None.

Indicate by check if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☐ No ☒

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ☒ No ☐

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of "<u>large accelerated filer,</u>" "<u>accelerated filer</u>" and "<u>smaller reporting company</u>" in Rule 12b-2 of the Exchange Act.

Large accelerated filer ☐ Accelerated filer ☐ <br> Non-accelerated filer ☐ Smaller reporting company ☒ <br> Emerging growth ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

**TABLE OF CONTENTS**

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| | | |
|:---|:---|:---|
| Part I. | [Financial Information](#bmy_001) | 3 |
|  | [Item 1. Financial Statements (Unaudited)](#bmy_002) | 3 |
|  | [Item 2. Management's Discussion and Analysis of Financial Condition and Result of Operations](#bmy_007) | 13 |
|  | [Item 3. Quantitative and Qualitative Disclosures About Market Risk](#bmy_008) | 15 |
|  | [Item 4. Controls and Procedures](#bmy_009) | 16 |
| Part II. | [Other Information](#bmy_010) | 16 |
|  | [Item 1. Legal Proceedings](#bmy_011) | 16 |
|  | [Item 1A. Risk Factors](#bmy_012) | 16 |
|  | [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](#bmy_013) | 16 |
|  | [Item 3. Default Upon Senior Securities](#bmy_014) | 16 |
|  | [Item 4. Mine Safety Disclosures](#bmy_015) | 16 |
|  | [Item 5. Other Information](#bmy_016) | 16 |
|  | [Item 6. Exhibits](#bmy_017) | 16 |

---

**PART I – FINANCIAL INFORMATION**

**ITEM 1. FINANCIAL STATEMENT**

BorrowMoney.com, Inc.

Balance Sheet

---

| | | |
|:---|:---|:---|
|  | (Unaudited) <br>November 30, 2022 | August 31, 2022 |
| *Assets* |  |  |
| Cash | $14572 | $4025 |
| Total current assets | 14572 | 4025 |
| Total Assets | $14572 | $4025 |
| *Liabilities and Stockholder's Deficit* |  |  |
| Current liabilities: |  |  |
| Accounts payable and accrued expenses | $30521 | $31075 |
| Line of credit – related party | 13033 | 13033 |
| Accrued Interest | 170134 | 160353 |
| Due to related party | 13490 | 14738 |
| Note payable - related party, current portion | 503242 | 462744 |
| Total current liabilities | 730420 | 681943 |
| Total liabilities | $730420 | $681943 |
| Commitments and Contingencies (see Note 6) |  |  |
| Stockholders' deficit: |  |  |
| Preferred stock, 100,000,000 $0.001 par value shares authorized <br> none issued or outstanding |  |  |
| Common stock, 500,000,000 shares authorized $0.001 par value; 111,619,561 issued and outstanding | 111619 | 111619 |
| Stock subscription receivable | (4000) | (4000) |
| Additional paid-in capital | 1037873 | 1037873 |
| Accumulated deficit | (1861340) | (1823410) |
| Total stockholders' deficit | (715848) | (677918) |
| Total Liabilities and Stockholders' Deficit | $14572 | $4025 |

---

See notes to unaudited interim financial statements

BorrowMoney.com, Inc.

Statements of Operations

(unaudited)

---

| | | |
|:---|:---|:---|
|  | For the Three Months Ended<br>November 30, 2022 | For the Three Months Ended<br>November 30, 2021 |
| Revenue | $- | $3600 |
| Operating expenses: |  |  |
| General and administrative | 28150 | 19168 |
| Total operating expenses | 28150 | 19168 |
| Income (loss) from operations | (28150) | (15568) |
| Other expense: |  |  |
| Interest expense | 9780 | 9397 |
| Total other expenses | 9780 | 9397 |
| Net loss before income taxes | (37930) | (24965) |
| Income taxes | - | - |
| Net loss | $(37930) | $(24965) |
| Basic and diluted per common share amounts: |  |  |
| Basic and diluted net loss | $(0.00) | $(0.00) |
| Weighted average common shares outstanding (basic and diluted) | 111619561 | 109484451 |

---

See notes to unaudited interim financial statements

BorrowMoney.com, Inc.

Statements of Changes in Stockholders' Deficit

(Unaudited)

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | Common Stock | Common Stock | | | | |
|  | Shares | Common <br>Stock | Additional<br>Paid-In <br>Capital | Stock<br>Subscription Receivable |<br>Accumulated Deficit | Total<br>Stockholders' Deficit |
| **Balance at August 31, 2021** | 109475000 | $109475 | $350475 | $(4000) | $(1081936) | $(625986) |
| Shares issued for cash | 20000 | 20 | 9980 |  |  | 10000 |
| Net loss | - | - | - | - | (24965) | (24965) |
| **Balance at November 30, 2021** | 109495000 | 109495 | 360455 | (4000) | (1106901) | (640951) |
| <br>**Balance at August 31, 2022** | 111619561 | 111619 | 1037873 | (4000) | (1823410) | (677918) |
| Net loss | - | - | - | - | (37930) | (37930) |
| **Balance at November 30, 2022** | 111619561 | $111619 | $1037873 | $(4000) | $(1861340) | $(715848) |

---

See notes to unaudited interim financial statements

BorrowMoney.com, Inc.

Statements of Cash Flows

(unaudited)

---

| | | |
|:---|:---|:---|
|  | For the three <br>months ended<br>November 30, 2022 | For the three <br>months ended<br>November 30, 2021 |
| **Cash flows from operating activities:** |  |  |
| Net loss | $(37930) | $(24965) |
| Changes in net assets and liabilities |  |  |
| &nbsp;&nbsp;&nbsp;Accounts payable and accrued expenses | (554) | (933) |
| &nbsp;&nbsp;&nbsp;Accrued interest | 9781 | 9170 |
| **Cash used in operating activities:** | (28703) | (16728) |
| **Cash flows from financing activities:** |  |  |
| Proceeds from line of credit – related party |  | 228 |
| Proceeds from sale of common stock |  | 10000 |
| Proceeds from note payable-related party | 39250 | 2500 |
| **Cash provided by financing activities** | 39250 | 12728 |
| Change in cash | 10547 | (4000) |
| Cash- beginning of period | 4025 | 9316 |
| Cash-end of period | $14572 | $5316 |
| Cash paid for interest | $- | $- |
| Cash paid for taxes | $- | $- |

---

See notes to unaudited interim financial statements

**BORROWMONEY.COM, INC.**

Notes to the Financial Statements

November 30, 2022

(Unaudited)

**NOTE 1 – ORGANIZATION AND NATURE OF BUSINESS**

BorrowMoney.com, Inc. (the "Company"), a Florida corporation formed in 2015, provides an internet-based platform that can match mortgage and loan providers with prospective borrowers. The Company offers to borrowers "screened lenders" and ensures the lenders trustworthiness and legitimacy. The Company provides institutional lenders with innovative digital solutions by offering fintech technologically advanced gathered leads through an exclusive proprietary platform.

**NOTE 2 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES**

***Basis of presentation* -**The accompanying financial statements have been prepared in accordance with United States generally accepted accounting principles ("U.S. GAAP").

The interim unaudited financial statements as of November 30, 2022, and for the three months then ended, have been prepared in accordance with accounting principles generally accepted in the United States for interim financial information on the same basis as the annual financial statements and in the opinion of management, reflect all adjustments, which include only normal recurring adjustments, necessary to present fairly the Company's financial position, results of operations and cash flows for the periods shown. The results of operations for such periods are not necessarily indicative of the results expected for a full year or for any future period. They do not include all of the information and footnotes required by GAAP for complete financial statements. Therefore, these financial statements should be read in conjunction with the Company's financial statements and notes filed with the SEC for the year ended August 31, 2022.

***Going Concern* -** The Company adopted Accounting Standards Update No. 2014-15, *"Presentation of Financial Statements—Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity's Ability to Continue as a Going Concern ("ASU 2014-15")*. The accompanying unaudited interim financial statements have been prepared assuming the Company will continue as a going concern, which contemplates, among other things, the realization of assets and satisfaction of liabilities in the normal course of business. The Company has earned limited revenue since inception and lacks any significant operational history. These matters, among others, raise substantial doubt about our ability to continue as a going concern.

The Company is commencing operations to generate sufficient revenue, however the Company's cash position may not be sufficient to support the Company's daily operations. Management intends to raise additional funds by way of a private or public offering. While the Company believes in the viability of its strategy to commence operations and generate sufficient revenue and in its ability to raise additional funds, there can be no assurances to that effect. The ability of the Company to continue as a going concern is dependent upon the Company's ability to further implement its business plan and generate sufficient revenue and its ability to raise additional funds by way of private offerings. The financial statements do not include any adjustments related to the recoverability and classification of recorded asset amounts or the amounts and classification of liabilities that might be necessary should the Company be unable to continue as a going concern.

***Accounting Estimates*** – The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America, requires management to make estimates and assumptions that affect certain reported amounts and disclosures. These estimates and assumptions affect the reported amounts of assets and liabilities, the disclosure of contingent liabilities and the reported amounts of revenues and expenses. Accordingly, actual results could differ from those estimates.

***Risks and Uncertainties*** - The Company intends to operate in a highly competitive industry that is subject to intense competition, government regulation and rapid technological change. The Company's operations are subject to significant risk and uncertainties including financial, operational, technological, regulatory and other risks associated with an emerging business, including the potential risk of business failure.

***Cash and Cash Equivalents* -** For financial statement presentation purposes, the Company considers those short-term, highly liquid investments with original maturities of three months or less to be cash or cash equivalents. There were no cash equivalents on November 30, 2022 and August 31, 2022.

***Concentrations of Credit Risk*** - Accounts which potentially subject the Company to concentrations of credit risk consist of cash and cash equivalents. The Company considers all highly liquid instruments with an original purchased maturity of three months or less to be cash equivalents. The Company maintains its cash and equivalents at insured financial institutions. The balances of which, at times may exceed the FDIC insured limits. Management believes the risk of loss is minimal.

***Fair Value of Financial Instruments*** - The Company's financial instruments consist of cash and notes payable. Management estimates that the fair value of the notes payable does not differ materially from the aggregate carrying value of these financial instruments recorded (at cost) in the accompanying balance sheets. We have financial assets and liabilities, not required to be measured at fair value on a recurring basis, which primarily consist of cash, payables, and debt. The carrying value of cash and payables, approximate their fair values due to their short-term nature. Considerable judgment is required in interpreting market data to develop the estimates of fair value and, accordingly, the estimates are not necessarily indicative of the amounts that the Company could realize in a current market exchange.

***Fair Value Measurements*** - The Company measures fair value under a framework that utilizes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements).

The three levels of inputs which prioritize the inputs used in measuring fair value are:

Level 1: Inputs to the valuation methodology are unadjusted quoted prices for identical assets or liabilities in active markets that the Company has the ability to access.

Level 2: Inputs to the valuation methodology include:

● Quoted prices for similar assets or liabilities in active markets;

● Quoted prices for identical or similar assets or liabilities in inactive markets;

**●** Inputs other than quoted prices that are observable for the asset or liability; and

**●** Inputs that are derived principally from or corroborated by observable market data by correlation or other means.

If the asset or liability has a specified (contractual) term, the level 2 input must be observable for substantially the full term of the asset or liability.

Level 3: Inputs to the valuation methodology are unobservable and significant to the fair value measurement.

The assets or liabilities fair value measurement level within the fair value hierarchy is based on the lowest level of any input that is significant to the fair value measurement. Valuation techniques used need to maximize the use of observable inputs and minimize the use of unobservable inputs.

When the Company changes its valuation inputs for measuring financial assets and liabilities at fair value, either due to changes in current market conditions or other factors, it may need to transfer those assets or liabilities to another level in the hierarchy based on the new inputs used. The Company recognizes these transfers at the end of the reporting period that the transfers occur. There were no significant transfers of financial assets or financial liabilities between the hierarchy levels.

**Revenue Recognition** – The Company recognizes revenue in accordance with Accounting Standards Update ("ASU") No. 2014-09, *"Revenue from Contracts with Customer"*. The Company applies the following five steps in order to determine the appropriate amount of revenue to be recognized as it fulfills its obligations under each of its agreements:

● Identification of the contract with a customer

● Identification of the performance obligations in the contract

● Determination of the transaction price

● Allocation of the transaction price to the performance obligations in the contract

● Recognition of revenue when, or as, the Company satisfies a performance obligation

 

*Costs to Obtain Customer Contracts*

 

Sales commissions and related expenses are considered incremental and recoverable costs of acquiring customer contracts. These costs are capitalized and amortized on a straight-line basis over the anticipated period of benefit. We determined the period of benefit by taking into consideration the length of our customer contracts, our technology lifecycle, and other factors. Amortization expense is recorded in sales and marketing expense within our statement of operations. Historically we have not incurred incremental cost to acquire customer contracts.

***Stock-Based Awards* -** The Company measures the cost of employee services received in exchange for an award of equity instruments, including stock options, based on the grant date fair value of the award and to recognize it as compensation expense over the period the employee is required to provide service in exchange for the award, usually the vesting period. The Company estimates the fair value of share-based payment awards on the date of grant using an option-pricing model. The value of the portion of the award that is ultimately expected to vest is recognized as expense over the requisite service periods in the Company's statement of operations. The forfeitures are estimated at the time of grant and revised, if necessary, in subsequent periods if actual forfeitures differ from those estimates. No awards were granted for the three months ended November 30, 2022 and the year ended August 31, 2022.

***Income Taxes* -** The Company accounts for deferred income taxes on the asset and liability method whereby deferred tax assets are recognized for deductible temporary differences and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and their tax bases. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment.

Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion of all of the deferred tax assets will not be realized.

When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits along with any associated interest and penalties that would be payable to the taxing authorities upon examination. As of November 30, 2021 the Company had no unrecognized tax benefits, and the Company had no positions which, in the opinion of management, would be reversed if challenged by a taxing authority.

The Company's evaluation of tax positions was performed for those tax years which remain open to audit. The Company may, from time to time, be assessed interest or penalties by the taxing authorities, although any such assessments historically have been minimal and immaterial to the Company's financial results. In the event the Company is assessed interest and/or penalties, such amounts will be classified as income tax expense in the financial statements.

***Loss Per Common Share*** - The basic earnings (loss) per common share is computed by dividing net income (loss) available to common stockholders by the weighted average number of common shares outstanding. Diluted loss per share is computed similarly to basic loss per share except that the denominator is increased to include the number of additional common shares that would have been outstanding if the potential common shares had been issued and if the additional common shares were dilutive. As of November 30, 2022 and August 31, 2022, there were 50,000 warrants and no potentially dilutive securities outstanding, respectively, all of which were excluded from loss per share calculation due to their anti-dilutive effect.

***Related Party Transactions*** - The Company follows subtopic 850-10 of the FASB Accounting Standards Codification for the identification of related parties and disclosure of related party transactions. Pursuant to Section 850-10-20 the related parties include (a) affiliates of the Company ("Affiliate" means, with respect to any specified Person, any other Person that, directly or indirectly through one or more intermediaries, controls, is controlled by or is under common control with such Person, as such terms are used in and construed under Rule 405 under the Securities Act); (b) entities for which investments in their equity securities would be required, absent the election of the fair value option under the Fair Value Option Subsection of Section 825–10–15, to be accounted for by the equity method by the investing entity; (c) trusts for the benefit of employees, such as pension and profit-sharing trusts that are managed by or under the trusteeship of management; (d) principal owners of the Company; (e) management of the Company; (f) other parties with which the Company may deal if one party controls or can significantly influence the management or operating policies of the other to an extent that one of the transacting parties might be prevented from fully pursuing its own separate interests; and (g) other parties that can significantly influence the management or operating policies of the transacting parties or that have an ownership interest in one of the transacting parties and can significantly influence the other to an extent that one or more of the transacting parties might be prevented from fully pursuing its own separate interests. The financial statements shall include disclosures of material related party transactions, other than compensation arrangements, expense allowances, and other similar items in the ordinary course of business. However, disclosure of transactions that are eliminated in the preparation of consolidated or combined financial statements is not required in those statements. The disclosures shall include: (a) the nature of the relationship(s) involved; (b) a description of the transactions, including transactions to which no amounts or nominal amounts were ascribed, for each of the periods for which income statements are presented, and such other information deemed necessary to an understanding of the effects of the transactions on the financial statements; (c) the dollar amounts of transactions for each of the periods for which income statements are presented and the effects of any change in the method of establishing the terms from that used in the preceding period; and (d) amounts due from or to related parties as of the date of each balance sheet presented and, if not otherwise apparent, the terms and manner of settlement.

***Recently issued accounting pronouncements* –** The Company does not believe that any recently issued effective pronouncements, or pronouncements issued but not yet effective, if adopted, would have a material effect on the accompanying financial statements.

**NOTE 3 - RELATED PARTY TRANSACTIONS**

In connection with a related party promissory note, the Company has an accrued interest obligation as of November 30, 2022, and August 31, 2022 of $170,134 and $160,353, respectively. The note was due on September 1, 2021and was not paid off due to limited capital. As such, the parties agreed to continue the note at 8% until sufficient funds are available to pay off the loan. As of November 30, 2022 and August 31, 2022, the outstanding principal balance was $503,242 and $462,744, respectively.

The Company utilizes approximately 1,500 square feet of office space in 512 Bayshore Dr, Fort Lauderdale Florida. The space is owned by the President and is provided without charge to the Company.

The Company obtained a line of credit from a Delaware Corporation (owned by the outgoing CFO) on November 30, 2020. Total advanced and accrued interest under this line of credit is $13,033 for the period ending November 30, 2022 and $13,033 for the year ending August 31, 2022. The line matured on November 25, 2021 and carries a default interest rate of 17%.

**NOTE 4 - EQUITY**

*Common Stock Warrants*

In July 2019, the Company granted common stock warrants to purchase 50,000 shares of common stock to a service provider. The warrants have a 4.4 year term and an exercise price of $0.10 per share. The warrants are fully earned upon issuance and become exercisable on January 1, 2020. As of November 30, 2022, the warrants have not been exercised. The Company initially valued the warrants using the Black-Scholes model with the following key assumptions: stock price, $1.00, exercise price, $0.10, term remaining, 4.4 years, volatility, 292%, annual risk-free interest rate, 1.8%.

As of November 30, 2022, the Company valued the warrants using the Black-Scholes model with the following key assumptions: stock price, $0.032, e xercise price, $0.10, term remaining 1.083 years , v olatility 52.5%, a nnual risk-free interest rate, 0.5%, exercise period , this w arrant shall be exercisable, in whole or in part, on or after 9:00 am Eastern Time, January 1st, 2020, and until 5:00 pm Eastern Time, December 29th, 2023 (the "Exercise Period"). At November 30, 2022 there was $0 in intrinsic value of outstanding stock warrants.

The Company has not declared or paid any dividends or returned any capital to common stock shareholders as of November 30, 2022 and November 30, 2021.

**NOTE 5 – INCOME TAXES**

The Company has approximately $1,740,746 in available net operating loss (NOL) carryovers available to reduce future income taxes as of November 30, 2022. These carryovers expire at various dates through the year 2040.

Future utilization of currently generated federal and state NOL and tax credit carry forwards may be subject to a substantial annual limitation due to the ownership change limitations provided by the Internal Revenue Code of 1986, as amended and similar state provisions. The annual limitation may result in the expiration of NOL and tax credit carryforwards before full utilization.

The Company determines whether it is more likely than not that a tax position will be sustained upon examination based upon the technical merits of the position. If the more likely than not threshold is met, the Company measures the tax position to determine the amount to recognize in the financial statements. The Company performed a review of its material tax positions in accordance with these recognition and measurement standards. The Company has concluded that there are no significant uncertain tax positions requiring disclosure and there are not material amounts of unrecognized tax benefits.

We use the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to reverse.

**NOTE 6 – COMMITMENTS AND CONTINGENCIES**

During the normal course of business, the Company may be exposed to litigation. When the Company becomes aware of potential litigation, it evaluates the merits of the case in accordance with FASB ASC 450-20-50, *"Contingencies"*. The Company evaluates its exposure to the matter, possible legal or settlement strategies and the likelihood of an unfavorable outcome. If the Company determines that an unfavorable outcome is probable and can be reasonably estimated, it establishes the necessary accruals.

On March 22, 2022 the Company was served a summons, filed March 18, 2022, related to a civil lawsuit by Ajuni Properties, LLC. (plaintiff) versus BorrowMoney.Com, Inc. (defendant). The claim relates to the nonpayment of leased office space and the amount of claim is between $15,000 - $30,000. The Company has reflected an accrual on its balance sheet of approximately $13,000 included in Due to Related Party.

On March 27, 2022 the Company was served a summons, filed March 18, 2022, related to a civil lawsuit by Harthorne Capital, Inc. (plaintiff) versus BorrowMoney.Com, Inc. (defendant). The claim relates to the outstanding line of credit, and the amount of claim is between $8,000 - $15,000. The Company currently reflects the outstanding balance of $13,033 on its balance sheet under the line item – Line of credit – related party.

On June 21, 2022, Andrew Trumbach filed an action against BorrowMoney.Com for breach of contract and unpaid wages arising out of an alleged business arrangement between himself and BorrowMoney.Com. Mr. Trumbach's amount of claim is over $100,000. The Company has decided not to accrue any amount related to the claim, as it believes the claim lacks any arguable basis.

**NOTE 7 – LEGAL SETTLEMENT**

A claim was made against Borrowmoney.com by William Coburn, a former officer of Borrowmoney.com, related to a contractual dispute over compensation. Borrowmoney.com, Inc. decided to engage in arbitration with Mr. Coburn in order to reduce legal expenses associated with his claim. On February 23, 2022, the Company entered into a settlement agreement with William Coburn. The settlement included issuance of 1,467,647 shares of the Company's common stock to William Coburn in addition to the issuance of 484,323 shares of the Company's common stock to Mr. Coburn's attorney's, LaGarde Law Firm P.C. The issuance of the shares, represent the complete and final settlement of the claims Mr. Coburn had against the Company.

**NOTE 8 – SUBSEQUENT EVENTS**

The Company has evaluated all subsequent events through January 11, 2023, the date the financial statements were available to be issued. There are no subsequent events to report.

**ITEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.**

The following information specifies certain forward-looking statements of management of the Company. Forward-looking statements are statements that estimate the happening of future events are not based on historical fact. Forward-looking statements may be identified by the use of forward-looking terminology such as, "may," "shall," "could," "expect," "estimate," "anticipate," "predict," "probable," "possible," "should," "continue," or similar terms, variations of those terms or the negative of those terms. The forward-looking statements specified in the following information have been complied by our management and considered by management to be reasonable. Our future operating results, however, are impossible to predict and no representation, guaranty, or warranty is to be inferred from those forward-looking statements.

The assumptions used for purposes of the forward-looking statements specified in the following information represent estimates of future events and are subject to uncertainty as to possible changes in economic, legislative, industry and other circumstances. As a result, the identification and interpretation of data and other information and their use in developing and selecting assumptions from and among reasonable alternatives require the exercise of judgment. To the extent that the assumed events do not occur, the outcome may vary substantially from anticipated or projected results, and accordingly, no opinion is expressed on the achievability of these forward-looking statements. No assurance can be given that any of the assumptions relating to the forward-looking statements specified in the following information are accurate, and we assume no obligation to update any such forward-looking statements.

**Overview**

BorrowMoney.com, Inc. operates what we believe to be the leading online loan marketplace for consumers seeking loans and other credit-based offerings. The Company offers borrowers "screened lenders" and takes steps to ensure the lender's trustworthiness and legitimacy. The Company provides institutional lenders with innovative digital solutions by offering fintech technologically advanced gathered leads through an exclusive proprietary platform. Our online marketplace provides consumers with access to product offerings from our Network Lenders, including mortgage loans, home equity loans and lines of credit, reverse mortgage loans, auto loans, credit cards, deposit accounts, personal loans, student loans, small business loans and other related offerings. In addition, we offer tools and resources, including free credit scores that facilitate comparison shopping for these loans, deposits and other credit-based offerings. We seek to match consumers with multiple lenders, who can provide them with competing quotes for the product they are seeking.

We also serve as a valued partner to lenders seeking an efficient, scalable and flexible source of customer acquisition with directly measurable benefits, by matching the consumer inquiries we generate with these lenders.

Our BorrowMoney.com platform offers a personalized loan comparison-shopping experience by providing free credit scores and credit score analysis. This platform enables us to observe consumers' credit profiles and then identify and alert them to loan and other credit-based opportunities on our marketplace that may be more favorable than the loans they may have at a given point in time. This is designed to provide consumers with measurable savings opportunities over their lifetimes.

In addition to operating our core mortgage inquiry and leads business, we are focused on growing our non-mortgage lending businesses and developing new product offerings and enhancements to improve the experiences that consumers and lenders have as they interact with us. By expanding our portfolio of loans and other product offerings, we are growing and diversifying our business and sources of revenue. We intend to capitalize on our expertise in performance marketing, product development and technology, and to leverage the widespread recognition of the BorrowMoney.com brand to affect this strategy.

We believe the consumer and small business financial services industry is in the early stages of a fundamental shift to online product offerings, similar to the shift that started in retail and travel many years ago and is now well established. We believe that like retail and travel, as consumers continue to move towards online shopping and transactions for financial services, suppliers will increasingly shift their product offerings and advertising budgets toward the online channel. We believe the strength of our brands and of our lender network, place us in a strong position to continue to benefit from this market shift.

BorrowMoney.com, Inc.'s main objective is to provide lead generation services to the mortgage and loan lenders. BorrowMoney.com, Inc.'s business model envisions providing current, qualified leads to local lending institutions nationwide. These leads will represent qualified borrowers in targeted zip code locations where the lender conducts business. Our internet platform offers a portal geared toward providing services to lending institutions who would be our customers. The key function of our platform is to provide qualified leads to local mortgage and lending professionals. The Company generates customer inquiries using various marketing methods. The Company also sells advertising space on its website and creates revenue through the sale of advertisement space, membership fees and lead packages.

We are an "emerging growth company," as defined in Section 2(a) of the Securities Act, as modified by the Jumpstart Our Business Startups Act of 2012, or the JOBS Act. As such, we are eligible to take advantage of certain exemptions from various reporting requirements that are applicable to other public companies that are not "emerging growth companies" including, but not limited to, not being required to comply with the auditor attestation requirements of Section 404 of the Sarbanes-Oxley Act of 2002, or the Sarbanes-Oxley Act, reduced disclosure obligations regarding executive compensation in our periodic reports and proxy statements, and exemptions from the requirements of holding a non-binding advisory vote on executive compensation and stockholder approval of any golden parachute payments not previously approved. If some investors find our securities less attractive as a result, there may be a less active trading market for our securities and the prices of our securities may be more volatile.

In addition, Section 107 of the JOBS Act also provides that an "emerging growth company" can take advantage of the extended transition period provided in Section 7(a)(2)(B) of the Securities Act for complying with new or revised accounting standards. In other words, an "emerging growth company" can delay the adoption of certain accounting standards until those standards would otherwise apply to private companies. We intend to take advantage of the benefits of this extended transition period until we are no longer an "emerging growth company."

The Company will remain an emerging growth company until the earlier of (1) the last day of the fiscal year (a) in which the Company has total annual gross revenue of at least $1.07 billion, or (b) in which is deemed to be a large accelerated filer, which means the market value of common stock that is held by non-affiliates exceeds $700 million, and (2) the date on which the Company has issued more than $1.0 billion in non-convertible debt during the prior three-year period.

**Limited Operating History**

We have not previously demonstrated that we will be able to expand our business through an increased investment in our product line and/or marketing efforts. We cannot guarantee that the expansion efforts described in this report will be successful. Our business is subject to risks inherent in growing an enterprise, including limited capital resources and possible rejection of our products and/or sales methods.

**Management Changes**

On December 01, 2022, the Board of Directors of BorrowMoney.com, Inc. appointed Anne Marie Chipolone as a Director of BorrowMoney.com, Inc.

An 8-K was filed on December 1, 2022.

**Plan of Operations**

We have completed our technology platform. We are now entering our operational phase which includes contracting business loan, mortgage and personal loan lenders for geographic areas using ZIP Codes. In addition to expanding our network of lenders over the next 12 months, we intend to continue optimizing and enhancing our Internet-based platform to focus on lead generation and generating additional revenues for our marketplace services. Our mission is to be the premier loan lead generation company. The budget for the next 12 months is estimated to be $500,000, which is expected to come from friends, family, and officers. A breakdown of the estimated cost for our next 12 months of operation are as follows

---

| | |
|:---|:---|
|  | (000's) |
| Legal and Professional Fees | $50.0 |
| Web Hosting Service, and Maintenance | 8.0 |
| Subcontracting Services | 280.0 |
| Office Expenses | 5.0 |
| IT Maintenance and Service | 10.0 |
| Domain Names Hosting, Service, and Maintenance | 2.5 |
| Website Development and Related Service | 15.0 |
| Licenses and Permits | 3.5 |
| Marketing and Advertising | 50.0 |
| Bank Charges and Credit Card Processing Fees | 3.0 |
| Rent | 25.0 |
| Dues and Subscriptions | 7.5 |
| Computer Expenses | 5.0 |
| Transfer and Recording Costs | 10.0 |
| Office Space Rent | 22.0 |
| Telephone Service | 3.5 |
| Total | $500.0 |

---

Revenues are expected to be minimal as the volume of lender agreements during this stage of operation is expected to increase at a gradual pace throughout the year. We expect to operate at a loss during our initial growth/operating period.

Contingent upon the successful completion of our next 12 months of operation, we plan to aggressively expand our operation and business from existing revenues. Our expansion would be accompanied by an increase in the number of personnel to obtain lender agreements for ever-expanding geographic areas.

**Channels of Distribution; Marketing Costs**

BorrowMoney.com markets and offers services directly to customers through its branded website allowing customers to be pre-qualified in a one stop platform and have access to all the major lenders and loan programs. The Company has made, and expects to continue to make, substantial investments in its online technology platform and marketing strategy to build its brand awareness in the marketplace that will drive traffic and generate leads. The need for online mortgages and personal money loan platform is driven not only by the millennium generation that are moving away from traditional brick and mortar banks but also from the new lifestyle changes caused by the Covid-19 pandemic. BorrowMoney.com expects to take advantage of this opportunity to capture a large portion of this "new" marketplace demand and increase its revenue exponentially.

**Results of Operations**

**Three Months ended November 30, 2022, as compared to November 30, 2021**

The Company had $0 in revenue for the three-month period ended November 30, 2022, and $3,600 in the three months ended November 30, 2021. Operating expenses for the three-month period ended November 30, 2022, were $28,150 compared to $19,168 for the three-month period ending November 30, 2021. Other expense (interest expense) for the three-month period ended November 30, 2022, was $9,780 compared to 9,397 for the three-month period ending November 30, 2021.

**Financial Position, Liquidity and Capital Resource**

As of November 30, 2022, all cash loaned to the Company to pay its operating and development expenses has been furnished by loans from its founder and President, Aldo Piscitello, as well as from the sale of equity and advances by related parties and advances from a line of credit. Additionally, the Company anticipates selling shares of the Company through a private offering of its securities to supplement its capital requirements in the future, as funding is needed.

**Critical Accounting Policies**

Our critical accounting policies, including the assumptions and judgments underlying them, are disclosed in the notes to the financial statements. We have consistently applied these policies in all material respects. We do not believe that our operations to date have involved uncertainty of accounting treatment, subjective judgment, or estimates, to any significant degree.

**Item 3. Quantitative and Qualitative Disclosures About Market Risk**

As a smaller reporting company, as defined by Rule 229.10(f) (1) of Regulation S-K, we are not required to provide the information required by this Item. We have chosen to disclose, however, that we have not engaged in any transactions, issued or bought any financial instruments or entered into any contracts that are required to be disclosed in response to this item.

**Item 4. Controls and Procedures**

*Evaluation of Disclosure Controls and Procedure.*

As of the end of the period covered by this report, the Company carried out an evaluation, under the supervision and with the participation of Aldo Piscitello, who is the Company's Principal Executive Officer and acting Chief Financial Officer, of the effectiveness of the design and operation of the Company's disclosure controls and procedures. The Company's disclosure controls and procedures are designed to provide a reasonable level of assurance of achieving the Company's disclosure control objectives. The Company's Principal Executive Officer/Principal Financial Officer has concluded that the Company's disclosure controls and procedures are, in fact, not effective.

*Changes in Internal Controls over Financial Reporting*

In connection with the evaluation of the Company's internal controls during the period, Aldo Piscitello, who is the Company's Principal Executive Officer and acting Chief Financial Officer, has determined that there were no changes to the Company's internal controls over financial reporting that have been materially affected, or is reasonably likely to materially effect, the Company's internal controls over financial reporting.

**PART II - OTHER INFORMATION**

**Item 1. Legal Proceedings**

On March 22, 2022 the Company was served a summons, filed March 18, 2022, related to a civil lawsuit by Ajuni Properties, LLC. (plaintiff) versus BorrowMoney.Com, Inc. (defendant). The claim relates to the nonpayment of leased office space and the amount of claim is between $15,000 - $30,000. The Company has reflected an accrual on its balance sheet of approximately $13,000 included in Due to Related Party.

On March 27, 2022 the Company was served a summons, filed March 18, 2022, related to a civil lawsuit by Harthorne Capital, Inc. (plaintiff) versus BorrowMoney.Com, Inc. (defendant). The claim relates to the outstanding line of credit, and the amount of claim is between $8,000 - $15,000. The Company currently reflects the outstanding balance of $13,033 on its balance sheet under the line item – Line of credit – related party.

On June 21, 2022, Andrew Trumbach filed an action against BorrowMoney.Com for breach of contract and unpaid wages arising out of an alleged business arrangement between himself and BorrowMoney.Com. Mr. Trumbach's amount of claim is over $100,000. The Company has decided not to accrue any amount related to the claim, as it believes the claim lacks any arguable basis.

**Item 1A. Risk Factors**

Not applicable for smaller reporting company.

**Item 2. Unregistered Sales of Equity Securities and Use of Proceeds**

None

**Item 3. Defaults Upon Senior Securities**

None

**Item 4. Reserved**

None.

**Item 5. Other Information**

None

**Item 6. Exhibits**

---

| | |
|:---|:---|
| **31.1** | [Certification of Chief Executive Officer](ex31-1.htm) |
| **31.2** | [Certification of Chief Financial Officer](ex31-2.htm) |
| **32.1** | [Certification of Chief Executive Officer under Section 906 of the Sarbanes-Oxley Act of 2002](ex32-1.htm) |
| **32.2** | [Certification of Chief Financial Officer under Section 906 of the Sarbanes-Oxley Act of 2002](ex32-2.htm) |
| 101.INS | Inline XBRL Instance Document |
| 101.SCH | Inline XBRL Taxonomy Extension Schema Document |
| 101.CAL | Inline XBRL Taxonomy Extension Calculation Linkbase Document |
| 101.DEF | Inline XBRL Taxonomy Extension Definition Linkbase Document |
| 101.LAB | Inline XBRL Taxonomy Extension Label Linkbase Document |
| 101.PRE | Inline XBRL Taxonomy Extension Presentation Linkbase Document |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

**SIGNATURES**

In accordance with the requirements of the Exchange Act, the Company caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | **BorrowMoney.com, Inc.** | **BorrowMoney.com, Inc.** |
|  | a Florida corporation | a Florida corporation |
| Dated: January 11, 2023 | *By:* | */s/ Aldo Piscitello* |
|  |  | Aldo Piscitello |
|  |  | President, Chief Executive Officer, Chief Financial Officer, Principal Accounting Officer, Secretary, Treasurer, and Chairman of Board of Directors |

---

## Exhibit 31.1

**Exhibit 31.1**

**CERTIFICATION OF CHIEF EXECUTIVE OFFICER PURSUANT TO**

**SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002**

I, Aldo Piscitello, certify that:

1. I have reviewed this Quarterly Report on Form 10-Q of BorrowMoney.com, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

5. The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

---

| | | |
|:---|:---|:---|
| Date: January 11, 2023 | By: | */s/ Aldo Piscitello* |
|  |  | Aldo Piscitello |
|  |  | Chief Executive Officer |

---

## Exhibit 31.2

**Exhibit 31.2**

**CERTIFICATION OF ACTING CHIEF FINANCIAL OFFICER PURSUANT TO**

**SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002**

I, Aldo Piscitello, certify that:

1. I have reviewed this Quarterly Report on Form 10-Q of BorrowMoney.com, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4. The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

5. The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

---

| | | |
|:---|:---|:---|
| Date: January 11, 2023 | By: | */s/ Aldo Piscitello* |
|  |  | Aldo Piscitello |

---

## Exhibit 32.1

**Exhibit 32.1**

**CERTIFICATION OF CHIEF EXECUTIVE OFFICER**

**PURSUANT TO 18 U.S.C. SECTION 1350**

**AS ADOPTED PURSUANT TO SECTION 906**

**OF THE SARBANES-OXLEY ACT OF 2002**

In connection with the Quarterly report of BorrowMoney.com, Inc. (the "Company") on Form 10-Q for the quarter ended November 30, 2022 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), the undersigned, in the capacities and on the dates indicated below, hereby certifies pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to his knowledge:

1. The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and

2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

---

| | | |
|:---|:---|:---|
| Dated: January 11, 2023 |  |  |
|  | By: | */s/ Aldo Piscitello* |
|  |  | Aldo Piscitello |
|  |  | Chief Executive Officer |

---

A signed original of this written statement required by Section 906 of the Sarbanes-Oxley Act of 2002, or other document authentications, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906, has been provided to BorrowMoney.com, Inc and will be retained by BorrowMoney.com, Inc. and furnished to the Securities and Exchange Commission or its staff upon request.

## Exhibit 32.2

**Exhibit 32.2**

**CERTIFICATION OF CHIEF FINANCIAL OFFICER**

**PURSUANT TO 18 U.S.C. SECTION 1350**

**AS ADOPTED PURSUANT TO SECTION 906**

**OF THE SARBANES-OXLEY ACT OF 2002**

In connection with the Quarterly report of BorrowMoney.com, Inc. (the "Company") on Form 10-Q for the quarter ended November 30, 2022 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), the undersigned, in the capacities and on the dates indicated below, hereby certifies pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to her knowledge:

1. The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and

2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

---

| | | |
|:---|:---|:---|
| Dated: January 11, 2023 |  |  |
|  | By: | */s/ Aldo Piscitello* |
|  |  | Aldo Piscitello |

---

A signed original of this written statement required by Section 906 of the Sarbanes-Oxley Act of 2002, or other document authentications, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906, has been provided to BorrowMoney.com, Inc. and will be retained by BorrowMoney.com, Inc. and furnished to the Securities and Exchange Commission or its staff upon request.