Funding Readiness Guide: When Your Business Is Struggling If you are a small-business owner needs $50,000 in working capital, but cash flow is inconsistent and credit may not be strong, follow this guide. 1. Don’t apply everywhere at once Start by reviewing the client's credit reports, existing debts, monthly obligations, and recent bank activity. Multiple financing applications can create unnecessary hard inquiries depending on the lender and product. 2. Identify the real funding problem Ask: Why do you need the $50,000? If it's to cover recurring losses, new debt may only postpone the problem. If it's for a specific revenue-producing need, such as inventory, equipment, or a confirmed contract—the funding case may be easier to explain. 3. Stabilize cash flow first Before seeking a larger loan, focus on predictable deposits, controlling unnecessary expenses, collecting outstanding invoices, and separating personal and business finances. 4. Build a lender-ready file Prepare: - Recent business bank statements - Business and personal tax returns, when required - Profit-and-loss statement - Balance sheet - Debt obligations - Business formation documents - A clear explanation of how the requested funds will be used 5. Start with an amount the business can realistically handle A client doesn't necessarily need to pursue the full $50,000 immediately. Calculate the payment the business could reasonably support after normal operating expenses and existing debt payments. 6. Compare financing carefully For a bank such as Chase, review the specific product's eligibility requirements, rates, fees, collateral requirements, repayment period, and total cost before applying. Requirements can vary by product and applicant. 7. Create a funding progression If the client isn't currently bankable, the goal can be: Stabilize → Document → Improve credit/cash flow → Become lender-ready → Apply selectively → Build stronger funding capacity The Next Step Are you ready to get funding or are you ready to become fundable?

New to credit or working on rebuilding your credit? 💳 Getting started can feel overwhelming, but there are beginner-friendly options designed to help you establish a positive credit history over time. - Secured Credit Cards — credit cards backed by a refundable security deposit. - Retail / Store Credit Cards — credit cards offered by or associated with a specific retailer/store. - Credit Builder / Loan Accounts — loans designed to help establish or rebuild credit, often with payments reported to credit bureaus. - Starter / Online Cards for Rebuilding — cards marketed toward people with limited, poor, or damaged credit histories. Swipe through to learn about some common credit-building options and what to consider before choosing one. 📈 Which one do you have or which one are you looking for? 👇

Happy Friday Credit Skool! Looking for credit unions that offer credit cards, personal loans, and auto loans? Here are a few to research: 🏦 PenFed Credit Union 🌐 PenFed • Credit cards • Personal loans • Auto loans • Anyone can join, subject to membership requirements • Check current underwriting and credit-pull requirements before applying 🏦 Alliant Credit Union 🌐 Alliant Credit Union • Credit cards • Auto loans • Personal financing options • Membership eligibility applies • Check current application and underwriting requirements 🏦 Navy Federal Credit Union 🌐 Navy Federal • Credit cards • Personal loans • Auto loans • Membership is primarily for eligible military members, veterans, DoD personnel, and qualifying family/household members 🏦 Digital Federal Credit Union (DCU) 🌐 DCU • Credit cards • Personal loans • Auto loans • Membership eligibility required • Verify current requirements before applying ⚠️ IMPORTANT: A 680+ score does not guarantee approval. Credit requirements, income requirements, membership eligibility, credit-pull methods, loan limits, and underwriting criteria can change. Always verify the current terms directly with the credit union before applying. 👇🏾 Drop your approval below! Tell us which credit union approved you, what product you received, and your approximate credit score. 🔥

1️⃣ PLAY ONE: PSECU - Pulls TransUnion - Lock Experian before you apply - Members got $7k to $10k, no docs - Call to delete the inquiry after 2️⃣ PLAY TWO: ALLIANT - Quick $8k personal loan - Instant approval, no docs - Pulled TransUnion, 799 score 3️⃣ PLAY THREE: NAVY FEDERAL PLEDGE LOAN - Open checking and savings first - Take a small pledge loan - Pay 85 to 95 percent back - Then ask for a card or auto loan - Members got $20k cards and $55k autos 4️⃣ PLAY FOUR: DCU RELATIONSHIP PLAY - Join, open checking and savings - Wait 30 days, take a builder loan - Wait 45 to 60 days, apply for the loan - Member got a $30k auto approval _ BACKUP LENDERS MEMBERS REPORTED - SoFi (Experian pull) - Best Egg (Experian pull) - Lending Club - Jovia, $15k instant

Thanksgiving, Black Friday, and Christmas are coming! Before you start spending, make sure your money moves are helping your financial goals, not setting you back. Here are 3 things to focus on: ✅ Set a holiday budget. Enjoy the season without starting the new year in debt. ✅ Keep your utilization low. Don't let holiday shopping push your credit card balances too high. ✅ Learn how to make your credit work for you. 👀 Did you know certain credit cards offer travel rewards that can help cover flights and hotel stays? ✈️ 8 Credit Cards That Can Help You Travel for Free: 1. Chase Sapphire Preferred 2. Chase Sapphire Reserve 3. Capital One Venture Rewards 4. Capital One Venture X 5. American Express Gold Card 6. American Express Platinum Card 7. Citi Strata Premier 8. Bank of America Travel Rewards Travel rewards depend on approval, spending, fees, and redemption rules. No card guarantees free travel, so choose one that fits your finances. Are you using your credit cards strategically to earn rewards, or are you still learning how to make credit work for you? Let's get financially stronger before the new year! 🔥