We’re Carl and Matthew — business partners, co-founders, and the team behind Surplus Funds Secrets.

Our story started in college. We met, became friends, and eventually decided to go into business together. That first venture turned into a successful 7-figure exit — and through that experience, we learned what it takes to build real businesses: systems, partnerships, and a commitment to doing things the right way.

When we discovered surplus funds recovery, we saw an industry filled with opportunity but lacking real education. Most “courses” out there are run by marketers who’ve never closed a case. We wanted to change that.

Carl is a business architect who runs Full Circle Asset Recovery LLC, actively closing surplus funds cases nationwide. He handles the legal documentation, compliance frameworks, and operational systems that keep cases moving.

Matthew is a business architect and CEO with a track record of building and scaling companies. He’s also built a multi 7-figure real estate portfolio. He handles the strategy, marketing, and business development that turns surplus funds recovery from a hustle into a real company.

Together, we’ve built Surplus Funds Secrets to be the resource we wish existed when we started — comprehensive, practical, and built by people who actually do this work.