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Speaker 2: So we got a lot of entrepreneurs that listen and
Speaker 2: obviously people have their personal credit and a lot of
Speaker 2: these entrepreneurs hubs apply for business credit. Can you talk
Speaker 2: to them about the importance and the impact that your
Speaker 2: personal credit can have on your business and how long
Speaker 2: it takes to establish a healthy business credit loan.
Speaker 3: Yeah, And the great thing is the impact that it
Speaker 3: could have. Man is like you know, that's the main
Speaker 3: reason why got credit entered back into the world of
Speaker 3: business credit. You know, we did it back in the day.
Speaker 3: We didn't we didn't know that there was a need
Speaker 3: for it. But just like Ian sev four, you know,
Speaker 3: a lot of entrepreneurs were born. You know, a lot
Speaker 3: of people started businesses over these last couple of years,
Speaker 3: and there's going to be more. Now. Here's the thing.
Speaker 3: If you have great credit. I wish I would have
Speaker 3: known this when I opened my business back in twenty ten.
Speaker 3: Instead of using your personal credit to start your business
Speaker 3: or to grow your business, you could do it with
Speaker 3: you know, you're going to get an inquiry anyway. And
Speaker 3: here's the thing. Everybody always says, Oh, I don't want
Speaker 3: to do business. I don't want to do a PG,
Speaker 3: which is a personal guarantee. Oh I don't want to
Speaker 3: do a personal credit check for that credit card. Well,
Speaker 3: weren't you going to do the credit check for your
Speaker 3: personal anyway, Like, weren't you going to apply for that
Speaker 3: car on your personal credit anyway? So here's the thing.
Speaker 1: Start.
Speaker 3: Let if you're a new business or you have no
Speaker 3: business credit, but you have great business credit, you could
Speaker 3: use that to leverage business credit. You were already going
Speaker 3: to apply for a credit card.
Speaker 4: Use your personal credit to leverage the business credit.
Speaker 3: Right And that's the importance is that you can use
Speaker 3: it you were. So here's the thing. If you were
Speaker 3: going to get an American Express credit card and you've
Speaker 3: never had one before, but you were gonna get one
Speaker 3: on your personal credit, and you know you're going to
Speaker 3: open a business, don't get an American Express on your
Speaker 3: personal credit. Just open your LLC and get that American
Speaker 3: Express on the business side you were already going to
Speaker 3: do with Inkory anyway. But now the great thing is
Speaker 3: that doesn't show you want to maintain and keep that
Speaker 3: seven fifty. And the thing is, you know, I wore
Speaker 3: the new balances to the kickball game, you know what
Speaker 3: I mean? And I do appreciate you guys being there.
Speaker 3: It meant so much to have you guys there, and
Speaker 3: I wore the white new balances because you know, the
Speaker 3: thing is, you could you could have a three thousand
Speaker 3: dollars outfit on and get denied for a five hundred
Speaker 3: dollars credit card, you know, which we see a lot.
Speaker 3: And the thing is, it's like, you want to have
Speaker 3: a three thousand dollars outfit, that's great, but just make
Speaker 3: sure that you know that you can either put it
Speaker 3: on a credit card or get approved for a credit
Speaker 3: card with the same amount. And I wore the new
Speaker 3: balances because that signifies good credit. You know, you see,
Speaker 3: you know, you see the older guys with those new
Speaker 3: balances like, oh my god, yeah, that guy got good credit.
Speaker 3: But the thing is is if you use your personal
Speaker 3: credit to leverage and to get more business credit, even
Speaker 3: in the first two years of business, think about it,
Speaker 3: You're never going to have bad credit because you're never
Speaker 3: going to have debt on your personal credit. And I
Speaker 3: think that's the biggest thing where people don't realize that
Speaker 3: you might have to do a personal guarantee, you might
Speaker 3: have to get a personal credit check, you might have
Speaker 3: to run your credit the first couple of times. But
Speaker 3: guess what four years later down the road, you might
Speaker 3: not have to, you know what I mean. And I
Speaker 3: think that's the most powerful thing when it comes to
Speaker 3: personal and business credit.
Speaker 5: What are like the two biggest mistakes you see entrepreneurs
Speaker 5: making when they're trying to establish their business credit.
Speaker 3: I would say the probably the most the biggest one,
Speaker 3: and it's the simplest is using their home address for everything.
Speaker 3: It's the easiest change you could do. You know, get
Speaker 3: a virtual address. Go to Regis, go to Opus, you know,
Speaker 3: get an actual business address if you don't have a
Speaker 3: brick and mortar, so like, if you have a brick
Speaker 3: and mortar building, use that address. You know what I mean.
Speaker 3: If you open your business with your home address and
Speaker 3: you end up getting a brick and mortar a year
Speaker 3: down the road, change the address, Change you with the irs,
Speaker 3: change you with the state, Change it with your bank account,
Speaker 3: change you with all your vendors, all your creditors right now,
Speaker 3: even now, if you don't have a home address when
Speaker 3: you started your business and you're starting a fresh get
Speaker 3: the virtual address first. And the reason why I say
Speaker 3: this is the most common thing is because you know,
Speaker 3: with credit being such a risk factor, you know, if
Speaker 3: you're a pizzeria and you're using your home address for everything, like,
Speaker 3: it looks a little you know, it looks a little suspicious,
Speaker 3: like wait a minute, you're making the pieches in your
Speaker 3: living room or you're making them at the shop. You know,
Speaker 3: if you're a landscaper, if you're a plumber, you know,
Speaker 3: using your home address is the biggest thing. And I
Speaker 3: say the second biggest thing that I would say that
Speaker 3: people make mistakes on is using too much of their
Speaker 3: personal credit when they have good credit instead of actually
Speaker 3: using business credit cards. So and I'll explain what that means.
Speaker 3: Is like, if you have a fifteen thousand dollars Capital
Speaker 3: One credit card, right or a Chase credit card or
Speaker 3: American Express credit card, you can get that in the
Speaker 3: business name. And let's say, as an entrepreneur, you know
Speaker 3: in the beginning, when you first start your business, you
Speaker 3: have expenses, you have health insurance, you have payroll, you
Speaker 3: have you know, costs, you have computers, whatever case is.
Speaker 3: But if you put that all on a personal credit
Speaker 3: card when you first start your business, you know what happens,
Speaker 3: even if you have nothing negative, you just put fifteen
Speaker 3: twenty thousand dollars on a credit card, your score goes down. Now,
Speaker 3: if you need to use your credit for something else
Speaker 3: down the road, you can't because your credit score just
Speaker 3: went down eighty to one hundred poin point. So now
Speaker 3: you're putting yourself in a disadvantage by not leveraging or
Speaker 3: using business credit. You know, if you put that fifteen
Speaker 3: twenty thousand dollars on your business credit cards that doesn't
Speaker 3: show up on your personal you can rack up thirty
Speaker 3: forty fifty thousand dollars. Your score is never going to
Speaker 3: go down, you know what I mean? So not using
Speaker 3: a virtual address or a business address is the one,
Speaker 3: and then using their personal debt. Now here's the thing.
Speaker 3: What if you can't get a proof for business credit
Speaker 3: cards all right? Then no, you have to use your
Speaker 3: personal credit cards to start and then just know, come
Speaker 3: to the business side of the business credit cards later.
Speaker 3: So don't be afraid. But if you have access to it,
Speaker 3: definitely use the business credit cards versus a personal.
Speaker 6: So another column misconception, correct me if I'm wrong, is
Speaker 6: in order to get business credit, you.
Speaker 4: Don't necessarily have to make money as a business. Right.
Speaker 4: You can get business credit without making a profit as
Speaker 4: a business.
Speaker 3: Correct, Right, and there's a lot of you know, a
Speaker 3: lot of people tiptoe in the gray area of that
Speaker 3: because what they'll do is their business has zero revenue,
Speaker 3: but they'll put that they make one hundred and eighty thousand.
Speaker 3: Don't do that, you know what I mean, you could,
Speaker 3: you could put business.
Speaker 6: Don't don't do that because there's been an uptick in
Speaker 6: unanthropized FBI agents.
Speaker 4: Yeah, don't want to these days.
Speaker 6: So yeah, don't don't do any fraudulent behavior, but explain,
Speaker 6: explain the correct way to do it.
Speaker 3: And the thing is so like, let's say, if you
Speaker 3: know you have a business, right you're starting a business
Speaker 3: and you're applying for your first business credit card, whether
Speaker 3: it's American Express, Chase, doesn't matter what it is, right,
Speaker 3: and it says business revenue. It also acts for your
Speaker 3: personal revenue. So if your personal revenue on W two
Speaker 3: on provable income is eighty thousand, put eighty thousand. Don't
Speaker 3: put one hundred thousand if you know you're not going
Speaker 3: to make an extra twenty thousand dollars that year. To
Speaker 3: back it up. Now, on the business side, right one,
Speaker 3: always concerned with your account and your attorney whenever you
Speaker 3: have any questions when it comes to like income. The
Speaker 3: thing is though, is like let's say if you know
Speaker 3: you are you have projects lined up, you have guaranteed contracts,
Speaker 3: right so, you haven't made any money right now, you
Speaker 3: haven't made any money today. But if you know within
Speaker 3: the next twelve months you have a guaranteed contract coming
Speaker 3: in of like eighty thousand, one hundred thousand, or whatever
Speaker 3: the case is, you know that could be attacked that
Speaker 3: you can use. And like I said, get with your accountant,
Speaker 3: because now that's future receivables. You haven't actually received it yet.
Speaker 3: But if you don't have anything, put zero. And so
Speaker 3: what if you get a proof for a ten thousand
Speaker 3: dollars credit card? At least you got to prove for
Speaker 3: a credit card. The people the reason why people put
Speaker 3: a higher limit is that way they can get I mean,
Speaker 3: the higher amount is so they can get a higher limit.
Speaker 3: Don't do it, you know what I mean, Because then
Speaker 3: it's like gray area. You know you're gonna start tell oh, yeah,
Speaker 3: put eighty thousand, putt ninety and you didn't really make it.
Speaker 3: What happens when they say, hey, man, you know what,
Speaker 3: we want to see a copy of your p and
Speaker 3: L statement, your TAXI terms, which business, which business accounts
Speaker 3: can do, business credit cards can do. What happens when
Speaker 3: you don't even have a P and L statement, which
Speaker 3: is a profit and law statement for your business. What
Speaker 3: happens when you don't even have a bank account or
Speaker 3: need revenue you know what I mean? They can shut
Speaker 3: you down, flag you. So it's like never tiptoe in
Speaker 3: the gray area. If you have to question it, don't
Speaker 3: do it. So if you don't make if you're starting
Speaker 3: your business and it's no revenue but zero, it's the
Speaker 3: best thing to do.
Speaker 6: Like you said, Also, what people fail and realize is
Speaker 6: that most people that start businesses they have a job,
Speaker 6: like very rarely just go cold turkey and start a
Speaker 6: business that makes no revenue, and because then you'll be homeless. Right,
Speaker 6: So it's like they're going to use your personal information anyway.
Speaker 6: So you list your personal information as far as like
Speaker 6: how much you're actually making at your job or how
Speaker 6: much you're making you know, salary or whatever. So like
Speaker 6: you said, if you're making one hundred and twenty thousand
Speaker 6: dollars a year, if you have an eight hundred, I'm
Speaker 6: just using it. If you have an eight hundred credit score.
Speaker 6: Your business might not be that profitable, but they still
Speaker 6: might link. They still might open up business credit for
Speaker 6: you based off of your personal profile.
Speaker 4: Right, have one.
Speaker 6: Hundred thousand dollars saved? Like these are things that you know.
Speaker 6: A ten thousand dollars line of credit is not going
Speaker 6: to pretty much be detrimental five thousand dollars and it
Speaker 6: might not be a lot.
Speaker 4: But like you said, than nothing.
Speaker 6: So it doesn't necessarily mean that just because you have
Speaker 6: no business income, that you have no income. Right, most,
Speaker 6: but a lot of people aren't entrepreneurs, so they always
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Speaker 4: You need possible.
Speaker 6: And then like, of course, if you have no business income,
Speaker 6: then how could you list income.
Speaker 4: That's fraud.
Speaker 6: Obviously, if you have no business income, you probably have
Speaker 6: some sort of other income.
Speaker 4: Sometimes life you just have to use common sense, right,
Speaker 4: if you have to comment anymore. So, so just you know,
Speaker 4: just just think about it.
Speaker 6: But like I said, start in a business that can
Speaker 6: be discouraging and doesn't necessarily mean that you're not going
Speaker 6: to be able to get a million dollars probably, but
Speaker 6: you might be able to get a couple of thousand,
Speaker 6: and then you use that and then that helps build
Speaker 6: your profile as well.
Speaker 4: Right.
Speaker 3: And the great thing is once you start making money,
Speaker 3: and if you ever want a credit limit increase, you know,
Speaker 3: for instance, like American Express, right, even if you have
Speaker 3: a charge card with no limit, but you have a
Speaker 3: preset spending limit of let's say fifty thousand dollars, sixty
Speaker 3: thousand dollars. Whenever you request a limit increase with American Express,
Speaker 3: a lot of the times they're going to request a
Speaker 3: bank statement, a profit and law statement. Financials write things
Speaker 3: like that tax return. So let's say if you do
Speaker 3: start off with ten thousand dollars, twenty thousand dollars, just
Speaker 3: keep using it, keep using it, and then every six
Speaker 3: months just asks for limit increase and be like, hey, listen,
Speaker 3: when I started off, I didn't have any revenue, but
Speaker 3: guess what my business blew up. I made three hundred
Speaker 3: thousand dollars in the last six months because of leveraging
Speaker 3: your card. Is there any way you guys can give
Speaker 3: me a limit increase? You can request the amount when
Speaker 3: you when you request and increase your precess spending limit
Speaker 3: with an American Express, you can put the amount and if
Speaker 3: your financials justify that limit, they'll give it to you.
Speaker 3: You know what I mean. That's the best thing is
Speaker 3: you don't got to lie in an application because it's
Speaker 3: better to start it off right and then work your
Speaker 3: way up. Because what if I give you right now,
Speaker 3: if American Express gives you a three hundred thousand dollars
Speaker 3: credit card, you have no revenue, then you max it out,
Speaker 3: then what happens how you're going to pay it back?
Speaker 4: That's the why I want to go to those because
Speaker 4: that's the other part.
Speaker 2: Right, you might get that credit increase right you max
Speaker 2: it out, but then there becomes the negligence and so
Speaker 2: now when the payments are due, you can't payment pay
Speaker 2: it right.
Speaker 4: And so when you do that on the personal side,
Speaker 4: your credit score goes down. But then the business side
Speaker 4: correct me if I'm wrong. But your Dune's number gets
Speaker 4: to effected, right, do you explain with that process?
Speaker 3: Yeah, So typically the majority of your credit cards will
Speaker 3: actually report to Experience Business, and then your other net
Speaker 3: thirties and vehicles will typically report to done in Bradstreet, right,
Speaker 3: So good and bad thing is The bad thing is
Speaker 3: that typically American Express or like Visa Master cards won't
Speaker 3: report to dune in Bradstreet. I'm not saying all of them,
Speaker 3: but typically a lot of them won't, which is good.
Speaker 3: And that's your dun's number, and that's your paid explore. Right.
Speaker 3: So you know you have Equifax Experience TransUnion in the
Speaker 3: personal side. On the business side, you have Equifax Business,
Speaker 3: Experience Business, and then you have done in Brasstreet. So
Speaker 3: that's why we like nab dot com because it does
Speaker 3: track everything, and Experience Business is typically going to have
Speaker 3: like your credit cards, right, they don't report to all
Speaker 3: three like how your regular American Express does. On your
Speaker 3: personal side. You know, it does report to different bureaus
Speaker 3: and they all have different factors. Right, Your Experience Business
Speaker 3: only goes up to one hundred points, and so does
Speaker 3: your Paidex score. It only goes up to one hundred points.
Speaker 3: And typically you'll have anywhere between eighty two one hundred,
Speaker 3: as long as you pay your bills on time, you know.
Speaker 3: So if you pay your bills on time, typically it's
Speaker 3: net thirty. As long as you pay them between one
Speaker 3: in thirty days, you'll have typically an eighty paid X score,
Speaker 3: you know. And the great thing is is that a
Speaker 3: lot of the times the balances won't always affect your
Speaker 3: PAIDEX or your Experience business score, you know. So that's
Speaker 3: a great thing. The thing is, though, if you have
Speaker 3: everything maxed out, then it's going to hurt you. But
Speaker 3: if you have like one or two account it's not
Speaker 3: really going to hurt you as bad as let's say,
Speaker 3: you know, let's say if you have a target credit
Speaker 3: card and that's the only credit card max out on
Speaker 3: your credit report, your score is going to go down,
Speaker 3: even though your overall credit is okay. That one credit
Speaker 3: cards maxed out, it's gonna hurt you. The great thing
Speaker 3: is in the business side, it doesn't affect you like
Speaker 3: the same way.
Speaker 5: What are the two or three credit cards entrepreneurs should
Speaker 5: apply for that gives them a good probability of getting
Speaker 5: a line of credit without having a you know, having
Speaker 5: a ton of revenue in their businesses.
Speaker 3: Yet, so when you say line of credit, do you
Speaker 3: mean like a credit card like American Cars credit card. Okay,
Speaker 3: So even though this credit card reports to the personal side,
Speaker 3: the reason why I like it is because it reports
Speaker 3: to personal and business and if you have blemish credit,
Speaker 3: they still approve you. Which is the Capital One's Spark card.
Speaker 3: The reason why I like the Capital One's Spark is
Speaker 3: because it's for beginners that have new credit, meaning you
Speaker 3: can get approved of like a five eighty six ONS
Speaker 3: credit score or even with like charge alls and collections.
Speaker 3: And it also reports to your business credit report as well,
Speaker 3: you know. So the reason why I like that one
Speaker 3: is even like I said, even though it reports to both,
Speaker 3: which I would never really suggest it. It's just because
Speaker 3: it's a great starter card to get, and that's why
Speaker 3: you brought it up, Like which one are they gonna
Speaker 3: like to give it to you? Let's say, even if
Speaker 3: you get a thousand, two thousand dollars, four thousand dollars,
Speaker 3: whatever the case is, it's more than you have before,
Speaker 3: just be mindful that if you max it out, it
Speaker 3: is going to report to your your personal credit. The
Speaker 3: second one I would say for starters is gonna be
Speaker 3: your American Express, right. I love American Express typically because
Speaker 3: even if you have a charge off or collection, American
Speaker 3: Express will still approve you for a business credit card.
Speaker 3: You know, I have zero personal cards. You know, I
Speaker 3: filed bankruptcy in twenty fourteen, I owed money. I included
Speaker 3: them in my bankruptcy a couple of years and a
Speaker 3: few years later, I paid them in twenty twenty and
Speaker 3: they unlocked me and I was able to get American
Speaker 3: Express again. So they're very, very leaning it with people
Speaker 3: when it comes to either having blemish credit bankruptcy and
Speaker 3: you pay them, or if you're a new business, so
Speaker 3: you could literally open up your doors today and open
Speaker 3: up your business today and as long as you have
Speaker 3: a bank account and a tax ID, get approved for
Speaker 3: up to six American Express credit cards tomorrow, which is
Speaker 3: a great thing because now you have access to fifty
Speaker 3: sixty eighty thousand dollars. And a lot of people come
Speaker 3: up to me like, yo, man, I watched your video
Speaker 3: on YouTube, on eyl on Instagram, whatever the case is,
Speaker 3: not even clients to mine, and they're like, I did
Speaker 3: exactly what you said. I applied for American Express and
Speaker 3: I got up to six credit cards, and that's what
Speaker 3: helped me start my business. So that's the why I
Speaker 3: like it, because it's something that's very feasible for a
Speaker 3: new entrepreneur or seasoned one. And I would say the
Speaker 3: third one which might throw people for a loophole a
Speaker 3: little bit is gas cards. And the reason why I
Speaker 3: say gas cards is because if like, for instance, right,
Speaker 3: I have this gas card right here, right, I'm gonna
Speaker 3: cover the number right quick and just happen to have
Speaker 3: this gas card right here. It's called a fuelm in
Speaker 3: car right this all this fuel in card also has
Speaker 3: a master card logo. So now this gas card can
Speaker 3: typically work as a master card. Now can I go
Speaker 3: to Macy's and buy something with this gas card?
Speaker 4: No?
Speaker 3: But the thing is is that you could be a
Speaker 3: new business. What a typically all businesses need to put
Speaker 3: in their car to get to and from to networking? Gas?
Speaker 3: What's expensive? Right now? Gas? What is crazy? What? What
Speaker 3: do people complain about? Gas? Right? The thing is, if
Speaker 3: you have a twenty five thousand dollars credit card that
Speaker 3: doesn't report to your personal credit is gas the problem anymore? No?
Speaker 3: You just got to find a way to pay it back.
Speaker 3: You need, you need to get to invest, vest, and
Speaker 3: you don't have money, drive your car and pie costs
Speaker 3: you five hundred dolls in gas around trip. What else
Speaker 3: can you buy at the gas station? Food, you can buy,
Speaker 3: gift cards, you can buy you know. The thing is
Speaker 3: if you don't have any Like I use this a
Speaker 3: prime example. Right when I was starting my business and
Speaker 3: I was driving to Florida for the Credit boot camps,
Speaker 3: I would use my gas card. I was allowed up
Speaker 3: to fifteen hundred dollars a day inside of the convenience store.
Speaker 3: So what I would do is buy fifteen hundred dollars
Speaker 3: worth of a one hundred dollar gift cards, and I
Speaker 3: would then use my gas card to buy Visa gift
Speaker 3: cards and use the Visa gift cards to do what
Speaker 3: I had to do. Like that's the life of an entrepreneur.
Speaker 3: A lot of people don't realize that sometimes you gotta
Speaker 3: think outside the box. So I'd never not had gas,
Speaker 3: I'd never not have gift cards, and I could always
Speaker 3: use my gas card as well to purchase chips, soda, milk, eggs, bacon, cheese.
Speaker 3: And I'm telling you that's what I did back in
Speaker 3: like twenty fourteen, fifteen, I was using my gas card
Speaker 3: to buy one hundred dollar Visa gift cards and groceries
Speaker 3: inside of the convenience store. In the gas station always
Speaker 3: had gas. Like where everybody's complaining about gas, I don't
Speaker 3: really complain about it because I haven't, you know what
Speaker 3: I mean. So Capitol one, Spark, any business American Express card,
Speaker 3: and any gas car that usually has a master card
Speaker 3: logo like a Fuelman, a BP, you know, an Exxon,
Speaker 3: a shell you know, wah wah, those type of gas cards.
Speaker 3: Because you always need gas. So as a starting entrepreneur, okay,
Speaker 3: you might not have money, you're just starting out, but
Speaker 3: you not having a flight shouldn't be a reason why
Speaker 3: you can't go to eyl shit, sleep in your car
Speaker 3: if you have to, you know what I mean, Like
Speaker 3: it's the it's sometimes you gotta struggle and sometimes you
Speaker 3: got to go through certain things in order to obtain
Speaker 3: the things that you really want, you know what I mean?
Speaker 3: If that makes sense. My graduates from my school being
Speaker 3: forced back drop b drop Mike drop back drop drop.
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