How I Obtained
$181,000 in Funding
With NO CREDIT(and
You Can Too!)
It's Not as Hard as it Seems
I'll Show You How I Did It
You Can Easily Copy Me!
C
S
APIT
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Start Up Capital
TYPES OF
CAPITAL
Working
Capital
Marketing
Capital
#FINANCIALFREEDOM
Business
Bank
GET YOUR BUSINESS
FUNDED FAST
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Bu
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3 THINGS YOU
NEED TO
OBTAIN
CAPITAL
3 Step Guide
to Obtaining A
Business Bank
01
02
03
Choose a bank or credit
union. (I Bank With CHASE)
Gather the required
documents. GO ON IRS.GOV
TO GET YOUR EIN NUMBER!
Complete the application
process!
GET CAPITAL FAST
Business Banks
01
02
Chase
Wells Fargo
03
04
Bank of
America
05
US Bank
07
Navy Federal
Local Credit
Unions
06
06
Truist
Capital One
THESE ARE JUST SUGGESTIONS,
THERE ARE MORE BUSINESS BANKS
TO CHOOSE FROM
Payment Processors
01
02
Stan Store
Quick Books
03
04
Shopify
WIX
05
06
Square
07
Clover
06
Authorize. Net
Stripe
THESE ARE JUST SUGGESTIONS,
THERE ARE MORE PAYMENT
PROCESSORS TO CHOOSE FROM
01
Properly Registered
Business Bank Account
02
what makes a
business
CREDIBLE
03
04
05
Payment Proccesor
Website
Social Media Presence
TIER 1: Startup Capital
01
Inventory
02
Branding Needs
03
Website/Systems
04
Up To $50k
TIER 2: Working Capital
01
Marketing
02
Collaborations
03
Campaigns
04
Up To $100k
TIER 3: Expansion Capital
01
Storefront/Warehouse
02
TV commercial/Extensive Marketing
03
Hiring a TEAM
04
$400k+
How To Register Your
Business
The process for registering a business can
vary depending on the location and type of
business. Generally speaking, the following
steps are commonly involved in registering a
business:
1. Choose a business name: Select a name for
your business that is unique and
distinguishable from other businesses in your
industry.
2. Determine the business structure: Decide
on the legal structure of your business, such
as sole proprietorship, partnership,
corporation, or LLC.
3. Register with the government: Depending
on your location, you may need to register
your business with the federal, state, and/or
local government. This may involve obtaining
a business license, tax identification number,
and other necessary permits and
certifications.
4. Register for taxes: Register for all applicable
taxes with the appropriate government
agencies, such as the IRS and state tax
authorities.
process.
How To Register Your
Business
5. Obtain any necessary permits and licenses:
Depending on the type of business, you may
need to obtain additional permits and
licenses to operate legally.
6. Open a business bank account: Establish a
separate bank account for your business
transactions.
7. Obtain business insurance: Protect your
business with appropriate insurance
coverage.
It's important to research the specific
requirements for your location and business
type to ensure you have completed all
necessary steps for registration. Consulting
with an attorney or accountant can also be
helpful in navigating the registration
What is an EIN Number?
A Federal Employer Identification Number
(EIN) is a unique nine-digit number that the
Internal Revenue Service (IRS) assigns to
businesses, non-profit organizations, estates,
trusts, and other entities for tax identification
purposes.
An EIN is also known as a tax ID number, and
it is used by the IRS to identify businesses for
tax purposes, such as filing tax returns, paying
taxes, and applying for business licenses and
permits.
In general, businesses that have employees,
are organized as corporations, partnerships,
or LLCs, or are required to file certain tax
returns, are required to obtain an EIN.
However, some sole proprietors may also
choose to obtain an EIN for business-related
activities.
To obtain an EIN, you can apply online
through the IRS website, by mail, by fax, or by
telephone. The process is free, and the IRS
will issue your EIN immediately upon
successful completion of the application.
What is Business Capital?
Business capital refers to the money or
financial resources that a business uses to
operate, grow, or expand. It can come from
various sources, such as investments, loans,
grants, or revenue generated from sales.
Business capital is crucial for businesses of all
sizes and stages, as it allows them to cover
operating expenses, invest in new products or
services, hire employees, acquire assets, and
achieve their long-term goals.
There are two main types of business capital:
debt capital and equity capital. Debt capital
is borrowed money that a business must
repay over time with interest, such as loans
from banks, financial institutions, or online
lenders. Equity capital, on the other hand, is
money raised from investors who receive a
share of ownership in the business in
exchange for their contribution. This can
include angel investors, venture capitalists, or
crowdfunding platforms.
The amount and type of business capital a
company needs depends on its industry, size,
and growth stage, as well as its financial goals
and risk tolerance. Business owners should
carefully consider their options and seek
professional advice when deciding on the
most appropriate capital structure for their
business.
CREDIBLE
Capital Companies
PIPE
CLICK HERE FOR WEBSITE
CLEAR CO
CLICK HERE FOR WEBSITE
LENDIO
CLICK HERE FOR WEBSITE
LENDING TREE
CLICK HERE FOR WEBSITE
8FIG
CLICK HERE FOR WEBSITE
GET VANTAGE
CLICK HERE FOR WEBSITE
BLUEVINE
CLICK HERE FOR WEBSITE
Before applying for Capital through any of these
websites, it's important to carefully review the terms
and conditions and ensure that the loan is the right
fit for your business's funding needs.
CREDIBLE
Capital Companies
FUNDERA
CLICK HERE FOR WEBSITE
KIVA
CLICK HERE FOR WEBSITE
ACCION
CLICK HERE FOR WEBSITE
ON DECK
CLICK HERE FOR WEBSITE
FUNDING CIRCLE
CLICK HERE FOR WEBSITE
CAPCHASE
CLICK HERE FOR WEBSITE
CORL
CLICK HERE FOR WEBSITE
Before applying for Capital through any of these
websites, it's important to carefully review the terms
and conditions and ensure that the loan is the right
fit for your business's funding needs.
CREDIBLE
Capital Companies
LIFT FUND
CLICK HERE FOR WEBSITE
GRAMEEN AMERICA
CLICK HERE FOR WEBSITE
CREDIBLY
CLICK HERE FOR WEBSITE
FUNDBOX
CLICK HERE FOR WEBSITE
AMPLA
CLICK HERE FOR WEBSITE
SELLERS FUNDING
CLICK HERE FOR WEBSITE
PAYABILITY
CLICK HERE FOR WEBSITE
Before applying for Capital through any of these
websites, it's important to carefully review the terms
and conditions and ensure that the loan is the right
fit for your business's funding needs.
The Underwriting Process
The underwriting process is a critical part of
you Capital application process. During the
underwriting process, the underwriter
evaluates the risk of the application and
determines whether it meets the criteria for
approval. Here is an overview of what
happens during the underwriting process:
1. Application review - The underwriter
reviews the application and supporting
documentation to ensure that all necessary
information is provided and that the
applicant meets the basic eligibility criteria.
2. Risk assessment - The underwriter assesses
the risk of the application based on factors
such as the applicant's income, assets, and
liabilities. This helps the underwriter
determine the likelihood of the applicant
defaulting on the loan or making a claim on
the insurance policy.
3. Verification - The underwriter verifies the
information provided by the applicant, such
as employment and income information, and
asset ownership. This helps ensure that the
information provided is accurate and
complete.
4. Conditions - The underwriter may impose
conditions on the application, such as
requiring the applicant to provide additional
documentation or to meet certain criteria
before the transaction can be approved.
The Underwriting Process
5. Decision - Based on the risk assessment
and verification process, the underwriter
makes a decision on whether to approve or
deny the transaction. If approved, the
underwriter may also determine the terms
and conditions of the transaction, such as the
interest rate or insurance premium.
The underwriting process can vary depending
on the type of transaction and the
underwriting standards of the lender or
insurer. However, in general, the underwriting
process is designed to assess the risk of the
transaction and ensure that it meets the
criteria for approval.
How To Communicate
With an Underwriter
If you need to communicate with an
underwriter, it is important to be professional,
clear, and honest. Here are some tips on what
you should say to an underwriter:
1. Provide complete and accurate information
- Underwriters rely on the information you
provide to make decisions, so it is important
to provide complete and accurate
information about your financial situation or
the transaction in question.
2. Be clear and concise - Make sure your
communication is clear and easy to
understand. Avoid using technical terms or
jargon that the underwriter may not be
familiar with.
3. Ask questions - If you are not sure about
something, ask questions to clarify your
understanding. This can help you avoid
misunderstandings and ensure that you are
providing the information the underwriter
needs.
How To Communicate
With an Underwriter
4. Be honest - It is important to be honest
about your financial situation or the
transaction you are applying for. If you try to
hide information or provide false information,
it can damage your credibility and harm your
chances of getting approved.
5. Follow up - If the underwriter requests
additional information or documentation,
make sure you follow up promptly and
provide the requested information in a timely
manner.
Remember that underwriters are responsible
for assessing risk and ensuring that financial
transactions are conducted in compliance
with applicable regulations. By providing
complete and accurate information, being
clear and honest, and following up promptly,
you can help the underwriter make informed
decisions and increase your chances of
getting approved.
CLICK HERE TO VIEW
Financial Tips
For Flipping Your Capital
01
02
Use the funds for
business
investments NOT
personal bills
04
Maximize Your
capital by creating
a relationship with
your underwriter.
Over time they
will grant you
more money
03
Hire a TEAM
05
The goal is to stay
in good, standing
not to pay off the
loan
Spend more
money on
marketing instead
of inventory
06
Have a
Growth Plan
CREDIBLE
Business CREDIT
Companies
Brex Corporate Card for Startups: This card is designed
specifically for startups and offers a high credit limit, no personal
guarantee required, and rewards for categories such as
rideshares, travel, and SaaS services.
Discover it Business Card: This card offers 1.5% cash back on all
purchases and has no annual fee. It also offers a 0% introductory
APR for the first 12 months, making it a good option for startups
that need to make large purchases.
Chase Ink Business Cash Credit Card: This card offers cash back
rewards for purchases made at office supply stores, internet,
cable, and phone services, as well as gas stations and
restaurants. It also has no annual fee, making it a great option
for startups.
Capital One Spark Cash for Business: This card offers unlimited
2% cash back on all purchases, making it a great option for
startups with high spending needs. It does have an annual fee,
but it's waived for the first year.
American Express Blue Business Cash Card: This card offers 2%
cash back on the first $50,000 in purchases made each year, and
1% cash back after that. It also has no annual fee and a 0%
introductory APR for the first 12 months.
American Express Plum Card: This card offers flexible payment
options, including a 1.5% discount when you pay early or a 60day grace period with no interest. It also has no annual fee for
the first year.
Discover it Business Card: This card offers 1.5% cash back on all
purchases and has no annual fee. It also offers a 0% introductory
APR for the first 12 months, making it a good option for startups
that need to make large purchases.
When choosing a business credit card, consider the
rewards program, fees, credit limit, and other
benefits that are important to your business. Make
sure to read the terms and conditions carefully and
choose a card that fits your business's unique needs.
CREDIBLE
Business CREDIT
Companies
CitiBusiness AAdvantage Platinum Select: This card is designed
for businesses that frequently travel on American Airlines and
offers rewards for flights and other travel expenses. It also offers
a large sign-up bonus and other travel benefits.
Navy Federal Credit Union Business Credit Card: This card offers
rewards and benefits for business purchases, and does not
require a personal guarantee. It's available to members of Navy
Federal Credit Union.
Applied Bank Visa Business Credit Card: This card is designed for
businesses with limited or poor credit and offers rewards for
purchases. It does have a high annual fee.
OpenSky Secured Visa Credit Card: This card is designed for
individuals with poor credit but can be used for business
expenses. It requires a security deposit to open and offers
rewards for purchases.
PNC Bank Secured Visa Business Credit Card: This card is
designed for businesses with limited or poor credit and requires
a security deposit to open. It offers rewards for purchases and
can help build credit.
Wells Fargo Business Secured Credit Card: This card is designed
for businesses with poor credit and requires a security deposit to
open. It offers rewards for purchases and can help build credit.
First Progress Platinum Elite Mastercard: This is a secured credit
card that requires a security deposit and has no minimum credit
score requirement.
When choosing a business credit card, consider the
rewards program, fees, credit limit, and other
benefits that are important to your business. Make
sure to read the terms and conditions carefully and
choose a card that fits your business's unique needs.
Effective Marketing
Strategies For Beginners
There are many effective marketing strategies
that small businesses can use to attract and
retain customers. Here are some examples:
1. Social media marketing - Social media
platforms, such as Facebook, Instagram,
Twitter, and LinkedIn, offer powerful tools for
businesses to connect with their target
audience and build brand awareness. You
can use social media to share content, run
ads, engage with customers, and promote
your products and services.
2. Email marketing - Email marketing allows
you to communicate directly with your
customers and prospects, and build
relationships over time. You can use email to
share news and updates, promote special
offers, and encourage customer loyalty.
3. Content marketing - Content marketing
involves creating and sharing valuable,
informative, and engaging content to attract
and retain customers. You can use blog posts,
videos, podcasts, infographics, and other
content formats to showcase your expertise,
educate your audience, and build trust.
Effective Marketing
Strategies For Beginners
4. Referral marketing - Referral marketing
involves encouraging your satisfied customers
to refer their friends and family to your
business. You can offer incentives or rewards
for referrals, such as discounts, free products,
or exclusive access to events or content.
5. Influencer marketing - Influencer
marketing involves partnering with
influencers, who have large and engaged
social media followings, to promote your
products or services to their audience. You
can work with influencers in your industry or
niche to reach new customers and build
credibility.
6. Search engine optimization (SEO) - SEO
involves optimizing your website and content
to improve your visibility and ranking on
search engines, such as Google. You can use
keyword research, on-page optimization, link
building, and other tactics to improve your
SEO and attract organic traffic to your
website.
These are just a few examples of effective
marketing strategies. The key is to
understand your target audience, create a
clear value proposition, and use multiple
channels to reach and engage your
customers.
3 BUDGETING SYSTEMS
TO MANAGE YOUR MONEY
50/30/20
Budget
Zero Based
Budget
Pay Yourself
First Budget
Break your budget
down to
How it works:
How it works:
50% Necessary
30% Discretionary
20% Savings & Debt
Payments
You distribute your
income between expenses
every month so that your
income minus expenses
equals zero.
You first allocate a set
amount of your income to
savings and paying off
debt. The rest is spent how
you see fit.
Pro:
Pro:
Pro:
Easy to use, does not
require you to track
every penny
Gives you the clearest
overview of where the
money is spent
Helps you reach your
savings and debt payment
plans the fastest.
Con:
Con:
Con:
Quite time consuming
for beginners
Doesn't give you a clear
overview of where you
might be spending
money unnecessarily
Does not help you get
rid of debt quickly or
save for investments