CYBER MONDAY: 250k Business Card Stacking Hack to Fund And Grow Any Business
hello everybody and welcome to funding grows black friday 2021 special we are so thankful that you've joined us my name is ari page and i'm excited to be talking about funding and how to help you launch and grow any business so let's go ahead and just jump right into it i want to know what's the number one thing that is holding you back if you're on the call right now you're probably an entrepreneur a business owner you're thinking about investing let me know what's the number one thing holding you back now we know from an economic standpoint that the number one thing holding people back uh at least 82 percent of businesses which seems to be the largest demographic is lack of funding and we are here today to be able to help overcome this major lack of funding that many small and medium-sized businesses are experiencing in today's world and so we're going to be talking the different benefits that we'll be talking about today include the zero percent funding that comes with the business credit cards that we're talking about and these business credit cards do not appear in your personal credit report you can use it to buy real estate you can ach or wire transfer directly from one of these zero percent business cards to your titling attorney uh in order to purchase real estate you can uh what you're going to end up learning is that the normal business that you or your business is doing it for either investing or your normal purchases even just paying your facilities electric bill all of that can earn you rewards and cash back thousands of dollars of that per quarter like funding grow does all of this doesn't report on your personal credit now we're going to be getting into all of this well how you you're not gonna need tax returns you're not gonna need to uh to have income verification for this form of funding uh not that we're advocating that anyone is disingenuous and that you do not need collateral or assets so this is one of the most sought after and preferred ways of funding but at the same time it also ends up being a very inexpensive way to fund your business for example let's take a look at what i have here on the screen so if you look at traditional ways of funding you can see that uh traditional ways of funding can lead to lots and lots of different types of of extra fees so you have origination fees you can have high interest fees and this is just for a basic business type of loan there's there's a lot of different types of business loans out there but many of them are going to have origination fees closing costs high interest rates and other associated fees for the sake of our uh example here we just left it to a few fees being added which could easily add up to 15 000 just on a basic 100 000 loan and as you know people are looking for 500 they're looking for a lot of funding so when you look at the the business credit card and what the business credit card can provide to the small business owner immediately you see that the total cost is way lower and this cost right here this 2800 is simply for the wire transfer so this is so that you can send your money directly from a unsecured business credit card that doesn't even show up in your credit report to a real estate transaction that you're completing where you can just wire transfer the money just as if it's coming out of a bank account and you can get that uh you can get that that that purchase completed so this type of funding can purchase an asset but the great thing about it is that it's not tied to an asset and you're not going to lose any asset should you unfortunately be unable to pay it and we're not advocating that people are getting into anything over their head at all but what we are advocating is that people use safe funding you want to use the safest funding available and this type of funding is unsecured meaning that it's not secured to a home equity line or in other words a house like a home equity line of credit would be it's not secured to an auto loan or any other type of secured loan for like a piece of equipment at your business or the way the sba loans are securitized this type of funding is unsecured and so this is the cream of the crop funding that you really need and before you think that it's not going to work for you just know that if you live in america you have a social security uh social security number and you have an address in america then you can get this funding too and that's the beautiful thing about our systems that you can use opm other people's money or in this case other banks money and they can you can use that money to invest on your behalf and not even lose equity within your deals and not lose uh your uh you know not give up half of your business for funding like a lot of people in shark tick so let me ask you a question what are you going to use the funding for come to the comments or or the questions area and let us know what what do you use the funding in your business what what are you doing what industry are you in what would you use the best the funding for so fund and grow we've been around for a number of years and here you can see a picture of us in front of our building there were about 65 people all in all uh and so what we are is a whole team of dedicated specialists that have been getting funding for people for quite a period of time so we've been doing this since 2006 2007 but since before the economic downturn and we've really perfected our process in getting up to 250 000 and how to get these types of business credit cards using the card stacking process which basically means that we're getting multiple of these zero percent unsecured business credit cards that don't report to your personal credit and how to use that long term that's the rotating balance part and so we have a lot of clients that are doing this we have clients that have 300 000 we have clients that have gone through you know one or two batches and they have 200 000 and everyone has that number they're looking for some clients are just looking for 50 000 some clients are looking for 300 000. the question is how much money do you need to start or scale your business come to the comments area let us know are you looking for a quarter million are you just looking for 50 000 let us know what how much you're looking for and so one of the things that's really important when it comes to getting funding from the banks is having your entity in other words your company set up properly and so entity structuring is really important you don't want to go to the bank in a risky industry with a risky name with no seasoning and so the industry that you're in is very important for example real estate is a very lendable industry business marketing is a very lendable industry and so you have some industries that are highly lendable and then you have others that aren't and and they might be more risky from the bank's perspective so for example if you have a uh an investment company you know set up and the in the industry of investing and the name of it is ari's risky investment company and it's been set up for one year how do you think the banks are going to view that entity they're not going to view it kind of obviously i'm being a bit hyperbole by calling the aria's risk investment club but the long and short of it is is we have to make sure that the entity itself looks appealing to the bank and when it comes to the industry you control it when it comes to the name you control it and interestingly enough even when it comes to the seasoning you can control that and the the reason for that is is that we're able to help you set up an entity that's going to match your years of industry experience so if you have five years of industry experience you can actually set up an entity that matches that and we're going to show you how to do that and we're not talking about back dating and and buying an entity that's set up we're not talking about doing this a disingenuous way we're talking about doing it the right way so if you've been in business for five years for ten years then you're able to take that and incorporate it into an entity that will then reflect five or ten years depending on your industry experience and then you're able to take that to the bank and use your industry seasoning and when you have a company that has the right name that you're in a safe industry then you have the security that the bank is looking for and that is the entity side of that so the entity side of that is very important you have to have the entity side straightened out but you also need to have the credit side straightened out there's a few links in the chain in this process of getting access to unsecured business credit cards that are this lucrative and so what one of the ways that we approach this is by giving each of our clients a individualized consulting plan and what that plan entails is exactly where they are at where their credit is at and what would take them to getting huge amounts of these unsecured cards so some clients their first cards are only ten thousand five thousand you know even four or five of those of a ten thousand fifty thousand dollars is pretty decent but we have other clients who on their first batch they're getting 70 80 90 100 120 000 because they're getting larger cards if you get four or five cards and each one's at 20 30 000 that's a lot different than getting uh four cards at five or ten thousand and this is what clients are getting access to now the reason why we're able to get the larger amounts is because we're credit experts we understand exactly what we're looking at and so we also have the ability to look directly at the consumer's report to be able to give them a weighted score to be able to really understand the way the bank would look at them because the way that the average person looks at your consumer at your credit report is a lot different than the way the bank is going to look at what's called a weighted score and that is the way that a your score would be if they were to approve you for a loan so a weighted score is based off of you actually gaining access to a loan so if they were to give you access to 100 000 what would your score be that's a weighted score and so we need to be very aware of if are we using the beacon scoring module and that's what equifax uses a lot are we using the fico classic are we using the fair isaac which is just a version two which is a different version of fico the fico is the fair isaac company and so we need to be very aware of the scoring modules that are being used because we want to know exactly what the banks are thinking about you we don't want to know we don't want to just be spinning our wheels and looking at uh you know something that we think is a credit report but it's not actually the same way the bank would be thinking about you and so ergo if we can look at you the exact same way the bank can then we can have a much larger insight into getting you approved for more funding and so it's really important that we understand what these codes mean for example here equifax gives it 0 0 0 30 for time since most recent account opening the fico classic version 4 has that as code 030 and so these different codes pop up routinely and our team is very expert at understanding what they're looking at now just for comparison i want to bring up a consumer credit report a consumer credit report doesn't even give us half of the data that a business like ours can get when we run your credit report so when an actual bank or when a lender that can extend you credit runs your credit report they're getting a weighted score they're not getting one of these consumer credit scores and so i'm going to point out a few things about this first of all do you guys know that most consumer credit reports in fact there's not a single one that you guys can go online and buy right now that would give you more than a 24 month payment snapshot you have to either go to a mortgage company auto company or a company like ours to pull your credit in order to see a full credit report otherwise all the consumer places that you subscribe to that on credit monitoring they only give you a 24-month payment history so if this account had happened to have a late payment that was more than 24 months in the rears it wouldn't even show up here but yet when you go to if i were to go to a bank and they run my credit they're going to see it so my consumer credit report in many cases doesn't show me things that are actually on my report that a full bank credit report is going to show me and you can see how how large these are they they have very few overall fields you have just you know maybe a dozen fields here or less of information and they're just not giving us much information at all and this is what the average consumer report shows us this right here is a usaa card they're showing us experian the equifax the transunion part of this usa card up here this is a target card so what these are is two different accounts that shows up on someone's credit report but you can see how confusing they make it and let me show you just some of the uh in in detail just some of the problems that that we experience on credit reports so in front of you what i've done is i've pulled up a credit report i've taken all the sensitive information of the client off of it so what you're seeing in front of you going from the left hand side to the right hand side is different credit accounts so the first credit account here is the first bank of colorado and you can see that it goes from the left-hand side to the right-hand side just so that people understand what they're looking at here that this is a credit report with all of these different lines so we have trade line a trade line b trade line c so on and so forth going the whole way down and then the trade line goes across here we have these different columns that tell us the different statuses for example the date reported the date opened the high credit amount and so so that's what we're looking at here is a full credit report now what i wanted to show you guys on this credit report let's start first with this chase card so we're gonna start first with this with this uh chase card so notice how this chase card shows under the high credit field it shows a zero so there's no limit being reported into this field but yet this client under the balance column has a five thousand dollar balance on a card that has no limit now this is really important to understand that whenever you're using a credit card that reports to your personal credit and the credit we set up doesn't report to your personal but whenever you have a credit card that does report your personal credit it's important to know that you can only use 35 of that card before it starts to bring your current your credit scores down now that's a huge thing to to be aware of because if you're just using regular spending on credit cards uh month to month that could make your credit scores dip massively and so if i have a ten thousand dollar card i can't put more than 3 500 on that card without it bringing my scores down so i need to have big cards and just only use the 35 when using a personal card now in this case with this particular client this client had five thousand dollars on a card with no limit so it thinks the computer thinks that you are five thousand dollars over limit now that's why this client's scores were so low is he actually over limit no this client was given a card this chase card is called the chase card's fair and flexible card where they don't report a credit limit and when they don't report a credit limit what it does is it actually brings the score this client's score down when he uses the card which he's allowed to he's been given the card it actually brings his scores down so what we help clients do in an instance like this is we help them impose a limit so on this card we happen to get the client updated to a 20 dollar limit so now he has five thousand dollars on a twenty thousand dollar card and his ratios completely changed his scores went up now chase isn't the only bank to do this bank of america does it all of the big banks do this they they'll call it the no limit card or the fair and flexible card i think american express calls it the open card the reality of the matter is it's the card to screw you that's what it's called it's a screw you card it's the card where they don't report a limit so that even if you put one dollar on that card you're now a dollar over limit so they give this card to people that have good credit and it brings their scores down this is the game that the banks play and this is what we do we position you differently let's take a look at this gmac mortgage so i'm going to go ahead and point out a few things here now on this mortgage so this mortgage this gmac mortgage is in this red box here and you can see that this account was opened in 2005 right the date opened column says 2005. but if you look over here we see a one a one in the historical status column now what does that mean historical status column is actually the column they use to determine the seasoning of the account in other words how long the account has been open now why wouldn't they just use the date open if this account was open here then shouldn't that be the seasoning yeah well the banks don't want to do that because you have access to this and your consumer credit so on your consumer credit report you have access to this to this field here but you do not have access to this field so they can manipulate and change this field all they want they can have a one in there they can bring your seasoning down they can make it look like you just opened an account last month for example here time since most recent account opening is too short they can make this code pop up on your score this code 30 simply by doing that simply by resetting this the month reviewed to a one and guess what you as a consumer you'll never see that you don't ever see this column they don't show that on your consumer credit report they only show you they opened so they show you the date opened on your credit report they show you this field but this feels wrong they already don't base your seasoning off of that these are the games the banks play and there's actually many examples of this down here even on this closed account american express removed their their seasoning this client had it open since 2000 and they only got one month of seasoning on a closed account because the seasoning even on your closed accounts go into your overall uh you know the overall calculation of what your score is and so the banks are going to play these games to try and minimize your worthiness so that they can charge you more and there's different parts of your credit that that impact your score uh with a different percentage and so our team is going to look at you as a whole and they're going to say how can we get this client's scores up to the highest possible given their current situation and there's so many things that we can do now one of the things that you need to know is you first need to look at your credit so if you want to look at what your credit is right now and get a snapshot of what's going on you can go to fund and grow credit services dot com and that's fund and grow credit services.com and then you can take a look at all three of your bureaus but that's only a small tool to help people in the case that they need to take a look at what's going on in their credit now in the case of someone has something bad on their credit that's not something that fund negro can help you with so bad credit is something that we would refer out and we would recommend that you go to this company kdmk-a-y-d-e-m if you have negative items now these guys have a really cool dispute process whereby they instead of just disputing things by sending in a letter like you know a lot of these companies you pay them a arm and a leg and then they send in a letter for you the same thing you really could have done but of course we do know that a lot of times they're going to have it worded better and it's written by attorneys et cetera et cetera but the cool thing about this particular company is that they don't just send in letters they actually have taught us that there's four ways to dispute with the credit bureaus you guys take note of this write this down you can send in a letter to send in a dispute you can call in and verbally give a dispute and the people that are that are behind the phone are trained to deal with irate clients they can literally delete stuff right off your cut we've had clients call in and just get all their items that were negative that they needed to remove to get them deleted off of a phone call and we've had that where where where katom the company that we work with that we refer clients to where they've gotten everything removed to that same process and so you can send in a letter you can verbally call it and the people that open the letters is a completely different department than the people that are answering the phones and that's a completely different department than the geek department that the internet department when you're initiating the dispute online that's a third way of doing it and the fourth way is through facts some of the bureaus allow disputes through facts and so again it's like you're switching gears it's a completely different department different people and what we can't get off through one department it's amazing how uh you can get it off through another department by using this multi-channel dispute process not just doing the same thing over and over and expecting different results but actually trying something different and getting different results because there's four different ways to dispute things off your credit ktm's really good at that and we thank them for all the clients of ours that they've helped with because when we're sending clients over we need that client to come back to get some funding because we guarantee it for our clients so we need that fund that credit repair company to really get those derogatorys those items deleted asap so that our clients can move forward and get the funding so there's another way of getting funding that we haven't discussed yet on this call so far so we're going to go ahead and open a new chapter it's called dun and bradstreet and we're going to talk about another forum of funding so far we've talked about unsecured business credit cards now we're going to talk a little bit about about non-recourse funding and non-recourse funding is really the cream of the crop and and right here you can see two of the office buildings that i've purchased and that i have not needed to use my credit i didn't have to use myself as a guarantee i was guarantor no one within my company had to be used as a guarantor these buildings are bought on non-recourse funding just like any person who goes through our program is eventually going to be able to do by utilizing their done in bradstreet non-recourse credit which is their paydex score and so once you get good uh done in bradstreet once you get a good paydex score with down to bradstreet that's going to open up a lot of doors with a whole nother type of funding i mean you guys don't really think that bill gates and jeff bezos are using business credit cards and personally guaranteeing things they're not they're using uh they're using corporate credit and we're going to teach you about corporate credit so that you can buy office buildings or whatever it is you know a fleet of vehicles whatever it is that you need for your company corporate credit is definitely one of the great options to use now one of the reasons why our team is so successful at getting super high amounts of this type of funding is because we do this process that we call negotiations and we've pretty much pioneered this process i don't know of any other companies that are doing this negotiation process and what that process is is after we have received our clients power of attorney which would give us a limited uh permission to work to work on their credit to apply for them to to do this work for them and so that gives us the legal predicate and basis to be able to do this once we've received the power of attorney we're then able to apply and negotiate and get do all of it for the client so we are actually interacting with the bank on behalf of our clients we're doing all the work for them there's no way that someone who uh you know owns a pizzeria or the person that owns the hair salon or the part-time bitcoin investor there's no way that all of them know the best way to communicate with the banks they don't they're good at what they do they're good at running their businesses and they're good at investing but they aren't necessarily good at everything and they're not good at knowing exactly what's the best way to get funding so our negotiators we're taking incoming approvals that could be a 5 000 and getting it overturned to a 15 because they know how to talk to the negotiator there's approvals we get that are 15 and 20. we get them overturned to a 60 000 approval because we know how to talk to them to the underwriters and we know how to properly and legally exemplify your business so that the underwriter can feel confident and they can approve you for a higher amount and this is the way that the underwriting process within these banks work it's based off of your personal credit and it's based off of your business credit score and we're going to build both of those to the maximum to get you the maximum amount of approval and then once the credit's been granted it reports to the ein number not to the personal credit it reports to the ein number the only time it would show up on your personal credit is if you default for three months in a row so it is personally guaranteed so if you were to completely not pay the credit then it will come back on you and that's why of course we want to move clients up into using the non-recourse funding which is that second form of funding that we spoke about so here's some examples of credit cards coming in 15 000 card twenty thousand dollar card uh here's more examples thirty seven thousand dollar card uh twenty five thousand dollar card these we have these cards coming in all day so here we have a client who in one batch they received a fifty thousand ten thousand fifteen and a fifteen so that right there is a decent amount was that 30 40 uh 90 000 in funding that oh yeah 90 000 in funding on four different business credit cards yeah th this is this is what we do folks and do you think this card started at a 50 000 no it started at a 5 000 and then we got it built up so joe talks about how he's received 140 000 in credit and how it's been a rocket fuel for his business and i'm not sure which batch he's in if that's his first or second batch but either way when you go back for your second batch or your third batch one of the things that you're going to need to do is you're going to need to remove the inquiries from the business credit cards so if we've applied for a business credit card for you and you've been approved for that business credit card that is no longer a personal inquiry and you can get that removed completely legally why because they can't hold a bank cannot hold a business inquiry against you personally they're not legally allowed to and so some inquiries are super easy to remove for example the inquiry is created by us applying for business credit cards we're not only uh is that something that we're gonna teach you how to do that's gonna a technology you're gonna walk away with you're gonna know how to remove credit inquiries from now on and that process of being able to remove credit increase allows us to continue the card stacking process over and over and over again to build up the aggregate amount of funding so we talked about kdm and how they can help you if you have derogatories on your on your personal credit they can also help you if you need inquiries removed that's one of the things that they do they've actually pioneered a process specific to removing inquiries so now why should you trust us i'm not sure if you're just tuning in now or if you've been on the webinar for the whole thing so far but why should you trust us well as you'll find out you can google us and you can see there's a lot of big names in the industry that trust us with their students and so we have a lot of students that are a lot of affiliates that we work with who their students are in real estate or are in a variety of different business entrepreneurial uh on endeavors and what they trust us with their clients because we always come through we want to work hard for our clients and do everything possible to get them the maximum amount of funding and if we can't help you then we're going to give you your money back that's just that's the end of the story we are here to do legitimate business so that we can continue to grow just like all of these big names like les brown and so many others have uh have told their their um audiences about and we are very proud to have those affiliates uh you know on board with us and we we encourage you to check us out go to the better business bureau you're going to see that we have hundreds and hundreds we have like over 800 uh reviews on the better business bureau of clients that have come to us and left us a positive review it's literally 4.93 out of 5 star check us out on trustpilot check us out on sotelus or on facebook or on google we have literally thousands or over a thousand reviews just on google alone and if you put it all together we have thousands and thousands of reviews from happy clients that have gone through our process and why am i saying that i'm not saying that to brag i'm saying that because essentially we're applying for a job at the moment right now we're applying we would like you to hire us to get this for you so it's important that i exemplify the different things that that funding girl has done and our different accolades because we're actually respectfully applying for a job right now with you guys so that's why we don't mean to be braggadocious in any way but we do need you to know our bona fidas and our credentials and so here we have another client who is talking specifically al talking about his second batch so he got 60 000 on his first batch and now he's up to 125 on the second batch and this is just the process guys this is the way that it works when you're in our program we're going to be putting you through multiple batches in order to build up to the aggregate amount of a quarter million and we have clients that are getting above that getting 300 000 plus and all of that is possible because of every link of the chain which is all the different departments within funding grow and the way that all of them how you were taken from intake to the applications process to the negotiations process to the inquiry removal all of that where we can just build this amount of credit for you over and over and over and this is something you could do you could do if if you did this full-time we do it full-time and we're generating 19 to 20 million dollars a month last month we got 21 million in funding it's not quite our average yet because we haven't averaged above 20 million we've hit 21 million last month and this month we're going to probably be hitting around the same and that's the amount of funding that we're generating for our clients so that's the total amount of funding we're bringing in for all of our clients and we'd like you to become part of that client pool receiving that type of funding and so we have a free gift for everyone that's joined us so far and um so let's get into that and we also have two bonuses so the first of it is a partner upgrade so generally our membership is a four thousand dollar cost and we're not anywhere close to that today we got this black friday special that we're quite excited about but we got these bonuses for you so not only are you get a partner upgrade your guys are getting a buy one get one so we're doing a buy one get one and we're not even doing it at the full price of four grand so a buy one get one of four grand would be eight thousand dollars and we're you guys are going to get an awesome hookup today because this is the lowest price that we do this throughout the entire year is today and today only black friday and this has been become a uh an annual event for funding growth like many other companies but what we found is this is the only time of the year that we're going to drop the price down this low and we do it one time per year and so the second bonus that we have is our prosperity pulse newsletter and so we're gonna give everyone access to the entire newsletter database at no charge and this is a fifty dollar per month uh uh premium membership that all of our clients are involved with and in this particular uh uh in the prosperity pulse in the newsletter what we do is we show how we built fund and growth to where funder grow is today and so funding grow is now doing millions of dollars in revenue every month we're generating uh tens of millions in funding every month and we went from being a very small company to a very large company and we're we're getting ready to push 100 employees and so what we do is we detailed how funding grow built everything from from our marketing to our teams to how we get all of our negotiators to work together to how we create cohesion and love within the team and within the office all of that is covered in our newsletter and we highly recommend that you stay subscribed to the newsletter and especially in your first month where you get it for free look at all of our past articles so you can start to determine how is it that you can do what funding grow has done and go from 100 000 a year in revenue to 20 million a year in revenue so what's all included in the fund and grow membership as we've discussed so far is the 250 000 of funding the fact that we're going to do it for you which is the one-on-one coaching uh we're going to set up the entity for you that's going to match your years of industry experience the how to utilize the credit as cash how to get the funding off how to if you're buying real estate how to do that how to get the the funding off of a business credit card so the fact that it's a credit card it's not going to be a problem we're going to show you how to access it like cash and everything that else that we've talked about which is the credit code coaching package and the corporate credit and we say a hundred thousand in d b corporate credit but remember we've bought buildings that were the building that we're in right now is over a million dollars that we bought on corporate credit and if we can do it you can do it too plus we have the extra two bonuses that that we spoke about which is the prosperity pulse newsletter and the 4 000 partner upgrade so all of that is today and by now you can see that this is something that we're really good at you can see that this is something that we do all day long we have a team of 14 15 people just in negotiations we have a team of salespeople we have a team of account managers and uh client relations people and all of that we're about 70 people where 65 to 70 people were and and we're constantly hiring we're going to be 100 people before you know it and so this is something that you can see we are very good at um we're constantly growing we have testimonials coming in like you wouldn't believe now do we have some clients that have said some some mean things about us we're dealing with people's personal credit and their funding and their money and so obviously sometimes people can be a little bit tense and touchy but suffice it to say that you'll see that we stand behind our word we stand behind our product and we want to get you a lot of funding so today we're bringing this to you at the lowest price of the year 32.97 and in order to take advantage of this offer browse
to fund and grow.com with a forward slash now it's really important that you put in the forward slash save 700. because otherwise if you go to directly to fundinggrow.com it's going to you're not going to get the bonuses and it's going to charge you the full 4 grand so go to 7 save 700 funding grow dot com forward slash save 700 and you will be able to gain access to 32 97 special and that's going to cover not just you but your business partner as well this is a buy one get one folks so this is not just going to cover you this is and you don't have to pay anything extra for the buy one for the for the for the bogo you don't have to pay anything extra 3297 will cover partner a and partner b partner a could be your husband wife could be your business partner could be your brother sister could be a friend that is working together with you they you can even have a separate login for them either way it doesn't matter you're going to get a secondary for free for free so you might as well add somebody on to that you can even split the cost with them we have clients doing that all the time at fundinggrow.com forward slash save 700. now for those who want to call in we do you can call us you can call us at 800-996-0270
and again it's eight hundred nine nine six zero two seven zero and again this is the only time of the year that we dropped down by seven hundred dollars and so if you've hit this part of the website then you're at the payment page now you could either pay the one-time fee of 32.97 or you could pay 17.74 for two months now notice that is a bit more than 32.97 because you're paying payments as two payments or you could pay three payments of 12.66 and again this is a little bit more than 32.97 because you're paying it in payments that's the whole point of financing guys that's the way that it works so if you would like to get started for a thousand and change 1266 you can get started with three payments of 1266 payment number one today second payment in 30 days the last payment 30 days from then and this the same is true with the with the to pay you pay 17.74 today and then and then you pay 17.74 30 days from now and that way you can pay in payments either way you're going to get started with the full program even if you decide to use the payments you're going to get access to the entire program right away so that's that fundinggrow.com
forward slash save 700. so here we have brenda exemplifying her her uh journey with thunder girl and how she's received 128 000 and this she just finished her second batch so if she's at 128 000 in her second batch then she probably started with a limited profile and now she's got access to a lot of credit and not only does he have access to a lot of credit but guess what where's her credit scores going to be super high and so the byproduct the default byproduct of going through our program is that you will have really high personal credit scores and we're not going to even uh request we we don't want you to lean on your personal we don't want you to we want you to use business business credit we want you to use business credit cards and other types of business loans you're going to be able to get access to a more premium form of funding once you get these business credit cards so within the membership we're of course going to be positioning you for applications and doing the negotiations and if you need help with ways to utilize the funding that's also another thing that we can help you with so most of the clients are going to receive funding within 30 to 45 days there are some clients that that are just ready to go right away and they they're literally receiving funding in the second week of working with us it's not all the time of course it's probably going to be pretty rare most of the time there's things that we can do for your credit that again have nothing to do with credit repair but that have to do with boosting the ratios like we talked about earlier and once we uh tweak these ratios on your scores and we make sure that nothing's ill reporting and and tweaking your score in a negative way then we can move forward and apply now sometimes it takes 30 days for that when you sign up we make some changes on your report takes 30 days to update that with the credit bureaus then we can start the application process and we don't want to walk uphill with a broken leg so we do want to fix those issues prior to applying it four or five places because otherwise we're just establishing with those accounts that you have that problem we want to fix the problem before we apply before they are aware that you have that problem that way it's not on the credit report when we apply and then we're just able to get you approvals and that's one of the ways that we're able to get the most amount of funding so we have clients that are using this type of funding for all forms of different businesses from from doing network marketing to doing online e-commerce we even have people that are that are in uh real estate a lot of fix and flips and and wholesaling we have a lot of people that are just doing basic contracting and we even have people that are doing money lending so there's all types of things of course branding and marketing that's huge we have so many clients that will use the credit card simply for their pay-per-click campaigns you know you get a hundred thousand two hundred thousand dollars of funding how you know a lot of companies are spending fifty to a hundred thousand dollars a month on their marketing and so the the business credit card is a there's a great place to place that that expense while you're earning cash back on it so you're spending and then you get one and a half cash back on everything that you're spending you might as well do it that way so i'm gonna i would like to play you a short clip a short uh 40-second clip from one of our affiliates nick perry and he details how he went from 40 000 a month to over 400 000 a month from gaining access to funding now of course i don't know if he's doing that every single month but i do know that once he gained access once he got access to funding he was able to do a lot more he was able to buy sell he was able to flip more properties and as an educator he was even able to help more of his students and so with us being a company that wants to educate and help our students we want to also uh share nick's experience and then after that i'm going to have our chief operations officer jason alonso come on and he's he's our director of operations he is uh in charge of all the different departments within the building uh that are getting access to funding the affiliate relations i'm sorry the client relations the negotiators jason is uh he's he's actually helped pioneer the process in how we do what we do so i'm going to have jason come on after i play you this short clip so that you can hear from the operations side and you can hear you know from the from the negotiation side he's going to tell you a little bit about the negotiations team and the client relations people and the fun that we have here uh competing to see who can get the most credit for their client because we a lot of our uh our employees are actually paid based off of their the gains that they get for the client so of course they get they get like a base rate but then depending on what they negotiate for the client is how they get their pay it's kind of like a sales position the negotiators so these guys are only making money if they get money for you so jason's gonna come on after that and talk a little bit about how that process works in the meantime let's go ahead and listen to uh nick perry so yeah last month and you know as the recording right now it's uh april 14 2020 march was a record month for us we did just over 400 so now yeah a few years ago correct i mean you know without without having that liquidity and runway it would have been it would have been a real grind to make that happen that's awesome awesome guys okay sorry i think i think the end of that video got cut off a little bit but here we have as promised we have jason on and so jason is going to go ahead and take it from here and we're let's go ahead and get this fixed right here real quick but jason's gonna go ahead and take it away from here and uh and uh help everyone understand the uh the funding growth process even better sorry guys we're not we're not technological geniuses so we had a little tech issue we're good we're good i think we're good to go ari i appreciate it i'm so excited to talk to you guys today uh talk about all the operations uh how we were able to get nick perry over a half a million dollars now uh we're we're so excited about that we're so excited to see nick's journey among everybody else we've had plenty of clients that have that have had the success like nick um nick has been with us for about three memberships so this isn't just a membership that it's 12 months then you're done you know we continuously have clients come back and work with us over and over and over again so that we can continue to build the capital on their business side so we're definitely excited about it my goal today is to answer any questions that you may have you know what were you hoping to learn today uh were you hoping to learn how to start up about your credit about what it takes to get business credit whatever the question is that you may have go ahead and send them through the question area whether you're on youtube go to webinar wherever you're at let me know so i can help you out and answer some of your questions before i get started i want to go through and answer some questions that were sent in before just give me just one second looking through there was a question can i transfer some already spent business related expenses to the line to release from personal expenses absolutely we have clients do that all the time uh we're really excited to see when when clients come to us and they have a 700 score or even the high sixes the main reason why their scores are lower are because of the debt that is on their personal reports and and nine nine times out of ten they let us know because they're using their personal credit to fund their business so what we do is we help them with a consolidation loan we get some of that stuff off of the personal report onto one loan then we go after business credit once we get the business credit we teach them how to balance transfer over to the business side which immediately brings their personal scores up but it doesn't affect the business credit doesn't affect the personal so they can max out their business side and it's keeping their personal scores at about 800 so absolutely that is definitely possible there was a question when when ari was talking about the credit reports uh why would the bank knowingly play such games how does it benefit to intentionally make your score lower a lot of times it's not intentional they're not reporting it correctly there's an error in the system so whatever the bank sends over to the credit bureau the credit bureau is going to excuse me they're going to display that on the report people make mistakes systems make mistakes that's what we're here to catch those mistakes so that they don't hurt you so a lot of the times it's not intentional but it does happen what is the best credentials needed to get up to 250 000 in the first round i'll go over that a little bit later but i do want to answer your question very quickly the credit score isn't everything but we do look for about a 720 or over on on that side but a lot of it is having each individual revolving account which is all your credit cards and things like that below 30 to 35 percent on your personal side we do want to have some revolving accounts on there that are seasoned for over two years so that means that they need to be open for two years having a mixture of installment loans which are mortgages auto loans things of that nature and then also your relationships with the lenders who do you bank with there's a lot of things that we can play off of there uh to get you the business credit the other thing about that on your revolving account your credit cards is how high are your limits if you've got limits that are down into the you know two thousand dollar range one thousand dollar range we're going to look to establish something else on your personal report to really boost your your lendability position so if you only have a thousand dollars uh your highest limit on your personal personal credit reports a thousand dollars the banks are gonna look at that and they're gonna wonder if they can actually lend you 10 15 20 000 are you going to be able to manage it because on your personal side you're only able to manage a thousand dollars are they comfortable lending to 20 000 we're going to get you there we're going to get you in the best lendable position before we move you forward with business funding that's our goal our goal is to get you up to that 250 000 but also get your personal credit to where it needs to be in the 800 club so the only thing that you have to use it for is if you go for a personal mortgage or an auto loan or anything like that but that's going to give you the lowest interest rates from that lender has anyone received up to 250 or has anybody received 250 000 on the first round yes i have seen that it doesn't happen all the time but that person was in great shape they actually listened to us and removed some accounts some authorized user accounts paid some accounts down removed some inquiries and then they went into funding and they were able to get in there i believe they got about 260 000 or 280 000 in one round of funding so it's definitely possible uh daniel allman i love this comment i have sent clients to fund and grow for over 10 years in the last year fund and grow has obtained over 1.7 million for my referred clients they are awesome daniel thank you we everything that's here is 100 truthful all of the reviews that you see online 100 truthful we know what it takes to get the funding we know what it takes to get us there so let's start moving on a little bit i know the questions are popping in i'll jump right back into this in just a little bit but i want to talk about the funding journey hopefully a lot of you are signing up with us today i kind of want to go through what to expect over the 12 months and the departments that you're going to deal with and how our customer service is and and give some props to some people out there but this is the basic journey that you're gonna flow that you're gonna go through starting here obviously and then working your way around so the day that you sign up you sign up today take advantage of the discount take advantage of our of our black friday sale you're going to get welcome to fund and grow so you're going to get an email a lot of our communication especially in the beginning is done via email so keep an eye on the email that you used to sign up so if you talk to one of our business development managers if you signed up to them or if you sign up through the link make sure that you keep an eye on the email that you used to sign up because you're going to get a link in the mail in the email that's going to allow you to access access your client portal now there you're going to start to submit the necessary information when you get the link to access your client portal you're going to be asked to reset your password and you're going to be asked to log in there so go ahead and do that follow the steps but then once you get in you're going to need to start submitting your personal and your business information all of this information needs to be filled out correctly so that we can start moving forward with your process the longer it takes for you to fill this information out the longer it's going to take you to get funding we want to get you funding as quickly as possible you're signing up with us to get you funding as quickly as possible so as soon as you sign up go ahead and access your portal and start to fill out the necessary information like your personal your business your home address your financial information and it doesn't have to be exact give us a guesstimate but get it as close as you possibly can especially for the finances once you've filled all of that out you're going to be asked to sign three documents the documents one is is the power of attorney the power of attorney allows us to negotiate on your behalf to apply on your behalf it is a limited power of attorney we're going to do nothing but submit applications and negotiate on your behalf the second one is the credit authorization that one allows us to pull your credit all the credit uh that that funding growth holds that we pull are soft inquiries not a hard inquiry that's the difference a soft inquiry isn't going to affect your score or even show up on your personal credit report a hard inquiry is when you actually apply for a loan or a credit card or anything like that the bank the lender they pull your personal credit report and actually submit a hard inquiry fund and grow does not do that the third one is our terms of service that you're gonna need to read and sign as well so once you fill out that information one of our credit experts is going to go ahead and review your personal credit profile they're going to check your personal reports they're going to make sure that everything is in order if there's anything that needs to be fixed they're going to send you a link to schedule a call with one of our consultants that call they're going to go over everything that you need to get into the best lendable position the lendable position is what matters the most when we go into funding we don't want to apply just to apply it doesn't make sense we want you to get the most out of your 12 months so we want you to be able to apply with round one at the best possible position that you can be in and we're going to make sure that you're there but here's the big thing you have to follow our recommendations i can't tell you how many times we get clients that come in and they've got 650 scores and they say no i want to apply now i want to apply now we're not going to tell them no but we are going to tell them it's not a good idea you're going to see limited results we need to do this this and this before you can move forward they continue to push forward and then we end up with poor results so then we have to go back and we have to restart and start from scratch and get everything to where they need to be then they start to understand that yeah maybe i should start to listen to these guys we really do know what it takes to get the business credit so any kind of advice that we give you and tell you and show you how to do it we'll walk you through the whole process we're going to hold your hand the whole way through and make sure that you are in the best lendable position to move forward once we get there that's when the fun begins that's when we're gonna start to submit applications and negotiations i see a ton of questions coming through i appreciate it give me just a little bit let me finish this one i'll jump right back into it but the applications and negotiations once you're in the best position possible to move forward you're going to get an email with a date that your account manager is going to reach out to you we are not going to apply for anything until the account manager speaks with you that is going to be on the day of applications the account manager is going to go over what lenders we're going to what your round's going to look like what your batch is going to look like whether we're going for all business do we need to do a little bit of mix between personal and business to boost your personal report or if you're just starting out with personal credit do we need to go only personal our main focus is business credit we want to go for only business credit but there are times and there are situations where we do need to build somebody's personal credit report to get them in that lendable position right we just talked about it that is included in this step some of it you know but if you've got if you've got a lot of inquiries and you've got high debt on your personal or late payments collections charge-offs bankruptcies things like that there are different avenues that we're going to take you down to get you in to step 6 where we can apply and negotiate once we get there the day comes of your applications and negotiations the account manager is going to call you they're going to walk you through what to do over the next 30 to 45 days this process here does take 30 to 45 days so we submit applications the account managers are going to follow up with you every week once a week they're going to give you an update of okay these ones are approved here we're going for higher here this one was initially declined i'm working with the underwriter to get this thing approved so on so forth whatever whatever's happening the account manager is gonna keep you informed so that you're aware of what's going on you know when when cards are gonna show up in the mail if you're gonna get a letter in the mail that's the easy part you just sit back and you relax and you wait for the cards to come in the mail once the cards come in the mail once the letters come into mail no matter what send those over to your account manager so that we can use it to access your por your profile with the lender so we can continuously get higher and higher amounts of funding all right let's jump back in here and answer some questions really quick and then i'll jump into number seven um i have good credit but some lines have more than 30 percent will i not qualify unless this is balanced it all depends and and that that question came from debbie debbie it all depends we have to look at your whole profile because it isn't the overall utilization but there are some some things that we can do to get that account down that you have over 30 percent we can get those down we can balance transfer we can get you a consolidation loan some of them if they're just a little bit over 30 percent we can move forward as is but we do want to look at your personal profile first and then go from there but we can give you different tips and tricks to pay those accounts down right at the last minute so that they'll reflect on the next reporting date so if you don't know the banks they only report to the credit bureaus once a month and it's not on the due date a lot of people get confused they're saying okay as long as i pay this by the due date the next month it's going to reflect to where the balance is that's not so true it's not true all the time a lot of them if the due date is today the the reporting date could be a week a week ago not after before so we always teach our clients to pay the the um the account down before the reporting date not on the due date it makes a world of difference i'm not sure why the banks do it but they want to one one thing that they definitely do it for is they want to see how you're managing the accounts if you're just making minimum payments when the due date is it's kind of risky to them they want to make sure that you're able to pay this this back as quickly as possible higher than the minimum payment so debbie to answer your question really quick it's not going to affect you too much we'll show you how to get those things paid down pretty quick uh what if what if it is a new entity you want you have excellent credit but want to start a new re
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