The Brainiacs.com

Matt attempts to open a bank account at the Sunnyvale bank to secure funds for his plan. Kara Banks, the loan officer, is sympathetic and impressed by his ambition, but Matt's initial funds fall short of the minimum deposit. The scene establishes the financial barriers and Kara's support.

David Tyler goes to the bank to secure financing for an expansion and the international Hairball toy. Ivan Lucre and his plan shadow the meeting; Lucre instructs Kara to loan David as much as possible. The loan process is manipulated to either boost profits or allow Lucre to seize Tyler Toys' assets.

Matt and Danny create The Brainiacs.com and a sham company, Global Consolidated Resources, to offer stock shares as collateral for investment in Kelly's groundbreaking microchip. They hope this trick will raise funds totaling four million dollars. The plan demonstrates their ingenuity but also signals looming risk as it is necessitated by bank pressure.

After Matt reveals his plan, Kara Banks becomes sympathetic and approves some loan to support the boys' plan. They leave the meeting and David storms in to apply for a loan to expand Tyler Toys. The contrast highlights Kara's conflict and Lucre's manipulation continuing in the background.

Ivan Lucre calls Kara into his office to brief her on a plan to loan David as much money as possible, in a bid to push the company either to success or failure for profit. His assistant Ms. Arbitrage cancels overseas orders, undermining Tyler Toys' ability to meet targets. This marks the start of a coordinated attempt to destroy the company from within.

Having secured some funds and faced pressure, Matt purchases a majority stake in Tyler Toys and becomes its boss, nicknamed Mr. Chips, as he implements looser work rules and grants his father a vacation. The transformation signals both progress and new internal tensions. The chip remains the focal point of the plan.

Lucre enlists his nephew Miles to spy on David and his family, hoping to uncover the mysterious rival’s moves. The surveillance introduces a sense of danger and heightens the stakes for Tyler Toys. It foreshadows further scheming by Lucre and his circle.

Chet and Russell Lucre bully Matt in economics class, signaling how the feud spills into Matt's personal life. The harassment underscores the high personal cost of the corporate battle. Matt and Danny continue their efforts despite the pressure.

David's vacation with his family gives them quality time together, but Kelly focuses too much on enjoying time with her father and neglects the chip's development. A major bug threatens weeks of work and Tyler Toys' timetable. The family dynamics begin to complicate the business crisis.

Mr. Chips assigns David to test Tyler Toys' entire product line, which wakes him up to the company's loss of magic. The bug and product failures compound the urgency to deliver a working microchip. The internal diagnosis foreshadows the looming crisis.

Mr. Toller's arrival at the Tyler residence marks the FTC's probe into Global Consolidated Resources and the chip's legitimacy. Matt stalls Toller and seeks Kara's help to delay the inquiry. The investigation creates legal pressure and forces tough choices for the team.

On a camping trip, Matt reveals to his father and sister that he bought the company and why he betrayed their confidence. Miles' recording provides the leverage for the confrontation. The family fractures deepen the stakes of the fight.

Back at Tyler Toys, Ms. Arbitrage's betrayal is revealed with Kara quitting in disgust. The company's fate appears sealed as the loan must be repaid and the assets face auction at noon the following Monday. The team scrambles to salvage something before the deadline.

Matt finds an abandoned stock box and brings the certificates to his grandmother Miriam, who has been in town since the buyout. She bids at the auction and the stock is valued at $10 million, allowing her to repay Lucre's loan and buy Tyler Toys. The judge approves the exchange, restoring the family's ownership.

Despite losing the stock, Tyler Toys survives long enough for the microchip to be completed, turning Hairball into the Smartball, an international hit. It becomes a global sensation that sells over a billion units and the signature item of Tyler Toys. Testing is underway for the Smartboard, a skateboard with a smart-chip implant, as the movie ends with a shot of the company billboard.