Side-by-Side Comparison
MONAT Global vs Home Business Academy (HBA)
An honest comparison to help you choose the right opportunity
Feature Comparison
Legal Issues
Multiple class action lawsuits, BBB complaints
No FTC actions, no lawsuits
Winner
Typical Earnings
Avg $758/year for all Market Partners (2024)
$128/mo per full-suite customer
Winner
Monthly Cost
$30-100/month product requirement
$10-160/month, no autoship
Winner
Business Model
MLM with recruiting income
One-tier affiliate, no recruiting needed
Winner
Product Type
Physical hair care (shipping, returns)
Digital products (no inventory)
Winner
Overall Rating
2.0/5
4.8/5
Winner
Detailed Breakdown
MONAT Global
Pros
- Significant VIP customer base shows genuine product demand
- Clean ingredient formulas with no harmful chemicals (per brand claims)
- Strong social media presence and marketing materials provided
- Monthly residual from VIP customer subscriptions
Cons
- 2024 average annual income for all U.S. Market Partners: $758 (per MONAT disclosure)
- 41% of U.S. Market Partners were inactive and earned $0 in 2024
- Hundreds of lawsuits from customers claiming hair loss from products
Home Business Academy (HBA)
Pros
- 80% commissions — you earn more than the company keeps
- Paid every Thursday without fail since 2016 (never missed a payment)
- One-tier model: income depends on YOU, not a downline
- Comp plan has never changed since 2016
Cons
- Must own a product to earn commission on it (qualified sale rule)
- Requires consistent marketing effort — not passive without work
Our Verdict
Winner: Home Business Academy (HBA)
4.8
Home Business Academy is the stronger opportunity. MONAT has faced thousands of BBB complaints about product issues, multiple class action lawsuits, and a 2024 income disclosure showing average Market Partner earnings of just $758/year. HBA's 80% commissions, zero lawsuits, and no recruiting requirement make it a far cleaner choice.
Ready to Get Started with Home Business Academy (HBA)?
Based on our analysis, Home Business Academy (HBA) offers the best opportunity for success.