10d • Mario Jewels
🏦 Valley Bank – The Underrated Funding Plug 💳
Most people sleep on Valley Bank, but they’ve been around for over 90 years and play heavy in the business + personal credit lane 💡
✅ Why Valley Bank?
- Relationship-based → they like clients who bank AND borrow with them 🤝
- More flexible underwriting than some “big name” banks 💪
- Personal + Business credit cards available 💳
- Solid for lines of credit & SBA loans if your profile is set up 📊
✅ What They Pull:
Primarily Experian (personal) 🔍
— but ALWAYS check before you apply (location matters too).
✅ Pro Tips:
- Open a checking/savings first → build that relationship 📂
- Keep utilization low and payment history clean (they’re conservative lenders) 📉
- Use them as a secondary bank to diversify funding sources 🏦
- If you’re playing the biz credit game → line up your EIN, DUNS, and biz checking before applying for business lines 💼
💡 Lesson: While everyone is chasing the same 3–4 banks, Valley Bank can be a low-key funding cheat code if you move smart.
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🏦 Valley Bank – The Underrated Funding Plug 💳
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