This application fee is 100% refundable or can be credited to the balance of working together. Why are we asking for an application fee? Frankly, the main purpose of this application fee is to ensure that we both show up on time and ready to have an in-depth conversation about your book. That’s it. If we’re not a fit for working together, we’ll refund 100% quickly, no hoops to jump through. If we do decide to work together, we’ll credit 100% toward the balance.