KSS 31 | Business Line Of Credit

 

Raising capital for your business takes much work, especially when you are applying for a business line of credit. Stephen Wible, Director of Business Development at Credit Suite, Inc., breaks down the top five things creditors are always looking for. Author of Business Credit: The Complete Step-By-Step Guide, he reveals how long it takes for new investors to build up their business credit before they can actually get one. Also, find out the truth about revenue financing and what happens the minute you apply to Dun & Bradstreet, and learn why at the end of the day, it all goes down to credibility.

Listen to the podcast here:

How To Establish And Get Business Lines Of Credit

Interview with Stephen Wible Of Credit Suite

I have a special guest that’s going to talk to us predominantly about getting business credit, lines of credit and things like that. The good news is also he’s familiar with real estate, having over 300 properties that are under his belt and transactions. We met at a joint venture conference and learned a little bit about each other’s business. I will tell you the power of networking is something else. Stephen has been good about that and introducing me to other people. Maybe we will have a little chance to talk about that as well. Welcome, Stephen. How are you doing?

I’m great, Kevin. Thanks for having me on.

Stephen is with a company called Credit Suite. I met him at a joint venture conference and it’s intriguing because I know that we have many of my audience that would love to buy more notes. They would love to buy more real estate, but they don’t know how to build credit for business versus your own Social Security number and where do you go? When I talked with Stephen, I said, “Who’s your competition?” He said, “We don’t have any.” Once I learned more about the business, I saw that that was the case. Why don’t we start there? What’s the importance of getting business credit? What can you do with that and how can people get started on that?

99% of business owners, all business owners, not just real estate investors, they have no idea about business credit. They don’t know it exists. However, it’s been around forever. As a matter of fact, the number one purveyor of business credit we all know is Walmart. Everything they buy and put on their shelves, they buy through business credit. You go and buy the product. They take the cash and they pay the vendors. They utilize it to the best better than anyone else. Business credit is something that every business owner can achieve. It doesn’t matter what industry you’re in unless it’s restricted. We’re talking about the things like guns, marijuana, things like that but any normal business.

You can build credit that’s tied to their EIN that’s not tied to you personally. When we talk about that, it’s a step-by-step process and there are no companies that understand it the way Credit Suite and Ty Crandall does. Ty Crandall is our CEO and he didn’t create business credit, but he put it together in a program that’s easy to follow and then added in all these advisors to assist you as you’re doing it. It’s interesting and I can tell you from personal experience what it did for me. I had flipped and/or owned over 300 properties and I was around in ‘08 when it all went down.

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Anybody who was an active investor during those years, you got to hurt at some level.

Unfortunately for me, I don’t care about how your politics are but I’m from the Northeast, so I wanted it to be Donald Trump. I wanted to leverage and become the biggest owner of properties in the Northeast, in the Philadelphia market. I kept borrowing and borrowing but I was lucky enough and strictly this was luck, nobody taught me this. I was building business credit by accident. We ended up with $100,000 line of credit with Home Depot and another $50,000 with Lowe’s. I had five Ford F-150 pickup trucks that my crew was using to fix up properties. I had a couple of Visa and Master Cards, all on business credit. None of them tied to me personally.

When the market crashed and we all know it crashed fast, I wasn’t left holding the bag with all that debt. The company went down. I owned a property management company. I owned a construction company. I owned a small real estate agency. You put that all together. Most of the debt was in the company name. When I came to Florida and got back into real estate, I saw this head help one for this company credit. I never heard of it. They came and interviewed, and I realized what they were teaching was what I learned by accident, but I didn’t know it. They know how to take it to the next level. I was intrigued, “I had to work here.” I begged for the job and they didn’t hire me. Much to my chagrin, I was still doing real estate and then I got a phone call about a month later, the person they hired hadn’t worked out and I couldn’t wait to get started. That’s my backstory that explains what business credit is.

The reason I wanted to explain to you that way is because it’s this vague thing in people’s mind, “What’s business credit?” They all think immediately, “Lines of credit. That’s what business credit is.” It’s about taking your day-to-day operational expenses and using a much larger company to finance that for you. People don’t think about it but even the fuel, especially if you’re a real estate investor and you’re driving around looking at properties, how much do you spend on fuel? A lot. Why not let Mobil, Shell or whatever, finance that in the company name that’s not tied to you personally? Why use your personal credit card?

What we do as a company and we do it for free on our YouTube channel, we will teach people at least the beginning steps of the credibility part. We teach them how to get set up so that they become more credible and they become more lendable so that when they apply the first time, they get approved. There are a series of steps and processes that you go through where you’re getting actual cash credit. In addition to that, we also help our business owners get lines of credit and unsecured credit and even hard money, believe it or not. That’s for your real estate investors, for the ones who are buying notes what they want is that lines of credit and real cash. That’s what we do.

KSS 31 | Business Line Of Credit

Business Line Of Credit: The number one mistake business owners make is putting down their business phone number as their cell phone.

 

As I talk with people about business lines of credit too. I do think there’s a big lack of knowledge in that area. I’m partly guilty too on this. It’s something that isn’t taught and if I didn’t run into you, I’d still be in the dark about this stuff. Most people think that you have to have a personal guarantee that’s all tied to your credit. That’s not necessarily the case.

It’s going to depend on the product that you want. We have a litany of loans that we have and certainly a large portion of them are tied to you personally because when you get into that cash credit box, somebody is always going to be looking at you personally. What I tell people, as a matter of fact, SBA loans are a classic example, one of the toughest loans to get. The first thing the SBA does or the lender will do is look at your business credit. Let’s say you have a strong business credit report and I’m talking about D&B and Experian. They will pull your personal credit and let’s say you have an average to middling personal credit. They’re going to put a lot of weight on that business credit report and you’re going to get the loan, as opposed to someone who has zero business credit. None whatsoever because they don’t even know how to produce it. Maybe they have a 650 credit score, which isn’t exactly great, it’s fair. They will probably get denied.

That’s just an SBA loan. There are tons of other loans. For example, revenue financing for all your note holders out there, they have revenue coming in every month. They can borrow money against that revenue and they go down as low as 500 credit score. They look at it, it doesn’t report on your personal credit but it’s available because it’s based on your business cashflow. We have your higher credit clients who can get signature on secure credit lines in the business name and/or personal. It’s their decision. We have high limit cash credit cards up to $150,000 that you can pull cash off of at 0% interest for two years. Think about that. You can borrow money at 0% interest and put it into a note. How much money can you make? There are lots, we have hundreds of these programs and certainly, we don’t have time to dive into them all. The point I’m getting at is the options are unbelievable out there. Most people don’t know about it.

I’m still blown away by that 0% interest for two years. It’s important to point out also that you do work with many different lenders. There’s not just one way to get credit. You work with the client and put them to who they qualify the best with. There’s a variety of scores and everything.

Let’s assume that you came to me and say, “I need $100,000. I have the opportunity to buy this note. I would like $100,000 in business credit.” We’d look at your situation and we may come back to you. We won’t come back and say, “Sorry, we couldn’t get you $100,000.” We will come back because we have many options, “We got you $125,000. Unfortunately, $50,000 of it you qualify for business, but there’s still another $75,000. Do you want it?” We find 99% of people take it. That’s what’s great about what we do. We have an entire finance team, that’s all they do.

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I am every day being approached by different lenders because we have such a huge presence that we get rates that are better than most people. We don’t charge our clients a penny for that, which is great. We’re getting paid by the lender, not by the clients. It doesn’t cost the customer a penny up front. There are tons of opportunities. Every time I hear someone says, “I couldn’t take my business to the next level because I couldn’t get the money.” It’s mostly because they didn’t know where to go. For all they know there’s $100,000 or $500,000 or $1 million sitting there that they could easily attain. They just didn’t know what closet door to open. That’s where we come in.

Let’s run some scenario. You’ve got new investors. They’re new into real estate or real estate notes either way. They’re going to have to rely on, if they’re brand new, on their own personal credit. You groomed them into that area and then they would start to build business credit. How long does it take to build up business credit like that before you can start to borrow more on the business?

It depends on the person. You have those who are obsessive-compulsive like I am. I dive in and go crazy right away and get it done. Typically, it takes between six and nine months to get around $50,000 to $60,000 in real usable credit. That’s with zero cashflow if you’re a startup. If you have cashflow and as you’re growing your cashflow, that’s potentially going to increase. I love to give this example. If you’re a truck driver, you started your business and you have little cashflow. Pilot Flying J, all of you who are not familiar with Pilot Flying J, they are the big rest stops on the interstates. Truckers use them a lot. They may give you $50,000 in credit to buy fuel, which is a godsend for someone who’s spending $20,000 to $30,000 a month.

If after three months they look at your usage and see you’re spending $100, are you in business? Probably not and they know that. They’re going to cut this. Your next approval, whoever you apply for next, will see that and be like, “We’re going to give him $5,000.” That’s why I say it depends on the person but even as a startup, you can build within six to nine months. What I tell people is, “Let’s solve today’s problem by getting you funding now and then let’s work on tomorrow’s potential problems or potential needs while you utilize the funding we give you now.” We take a two-pronged approach, “Here’s your funding for now, let’s build your business credit. In six to nine months, you can come back and get more funding but only not tied to you personally.”

In this relationship, they would be working with someone at your company through this whole process. Is that how it works?

KSS 31 | Business Line Of Credit

Business Line Of Credit: The more information you could put on the credit app, the better.

 

That’s exactly correct. They get access to a computer program. They log in and it’s a step-by-step process. If you’re someone who likes to open up a bicycle and not look at the instructions and put it together, you could even do that. You can follow along. However, you have a whole team of advisers that are there to help you. They reach out to you five times in the first five days to make sure you understand what you’re doing and what your next step is. They guide you right from registering your company, even if you don’t have a company yet. You’re thinking about buying notes. You’re thinking about working with Kevin.

We will even help you get your company to start. We will show you where you can get what’s called a virtual phone number. This is probably the number one mistake business owners make, especially business owners who are individuals doing individual business like buying notes or flipping houses. They put down their business phone number as their cell phone. When a creditor looks at that credit application and sees cell phone and business numbers are the same, it’s an immediate rejection. There’s no credibility that you’re legitimately in business. You’re just a person with a cell phone who registered an LLC. It’s not the same as an operating business. They want to give credit to businesses that are in actual operation. They look for certain things. Do you mind if I go over those five key things they look for?

Please do. I’ve never ever heard that before. I’m using my cell phone number on my card and everything else. I wouldn’t think of that.

I’m guilty of the same. I went for years on my truck it says, “I buy houses,” with my cell phone number. Eventually, I got smart and put in an 800 number. When I switched and I had a website for buying houses, I had a real phone number, I even had a secretary and everything. All of a sudden, I’ve got tons of credit from all these stores, from Home Depot and Lowe’s. It’s amazing how changing the credibility of the company changed the way I ran my business.

You can get those Google phone numbers now and stuff.

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I knew you were going to say that. That’s the right idea but the wrong road. You went down an alleyway that happens to be a gate at the end. That’s called a virtual phone number and you are right on. You can do that but Google owns that number, you do not. It’s not listable within national 411 databases. You and I are roughly the same age. We know what the national 411 database is because we used to have phones on our wall. We’d pick them up, we dial 411 and ask for Joe’s Pizza. These kids have no idea what we’re talking about. That database still exists. If you get what’s called a virtual phone number with a company like RingCentral or Grasshopper, you can get a phone number that you actually own. You’re paying for it. It’s not like Google where it’s free. It’s usually $19 a month or something. That’s a portable number and it’s listable with the national 411 databases. You can list that under your LLC. If I dial 411 and ask for your company info, they will give me that number. Lenders do exactly that. They don’t call 411 but they have access to that database like a digital phone book. That’s the number one mistake.

The second mistake I see is people will use a PO Box for their address. That’s an automatic denial as well. I know as a real estate investor, you don’t want people to know where you live. When you register your LLC, you want to use a legitimate address. That could be one of three things. I’ll give you what those three things are. You should maybe have your mailing address as a PO Box. For example, if you’re buying notes, if people are paying you a mortgage, you certainly don’t want them to know your home address. If you don’t have a commercial office, you’d want them to know your PO Box and that’s okay. You can have a mailing address be separate from your listed address with the IRS and the secretary of state.

What I tell small business owners who are starting is you have one of three choices. Like in school, we grade them A, B and C. Everything else is F. You can get a commercial address, real commercial building with your desk in it, real commercial office. The second address you can use would be a virtual address. There are companies like Regus or Alliance virtual addresses, you can look them up. They usually run about $100 to $150 a month, depending on where you’re at. If you’re in New York City, it’s going to cost you a lot more. If you’re in South Carolina, it might be a lot less. That’s your B level. Your C would be your home address. The problem with the home address is you can Google that and you can see the building. I don’t know if you want the photo of your home, people have access to that. I started my business in the basement of my home and that’s the address I used until I got a commercial. On a credit application, you never want to throw a PO Box. You want to throw a legitimate address, commercial, virtual and/or your home.

What about the ones, because I’ve seen this before and I’ve seen enough where I do research and due diligence on stuff and I’m going, “This guy doesn’t have an office in Manhattan. He’s got a mailbox there and he calls it Suite 103.” It will be out of mailboxes or one of those companies, UPS Store. Does the creditor see right through that too?

Absolutely. Here’s what happened. In the 1970s, there was a lawsuit by the virtual address companies and a virtual address exist. In other words, where I’m from in South Jersey, there was a building on Horizon Way in Mount Laurel. It’s a medium-sized town and it was all glass building. It was a beautiful building. If you went on to the fifth floor and a lot of your audience have seen this, you walk in, there’s a receptionist and you ask for ABC Company. There are 60 companies in there. Some may have an office, some may not have an office there, but they are all paying rent there. That’s a virtual office, PO Box or those UPS Stores. First of all, UPS Stores falls under the PO Box.

KSS 31 | Business Line Of Credit

Business Line Of Credit: When you’re applying for business credit, a denial is not necessarily always a denial.

 

It has to be legitimate. That’s why we recommend Regus or Alliance because they’re legitimate buildings you can go visit. You can use their conference room. They will forward your mail to you certainly. They have virtual phone numbers there for you. Everything you need in an office. There is a difference. As I started saying, in the ‘70s, they sued because they were registered as PO Boxes and they knew that was a problem. They sued and they won in court that they were recognized as a legitimate business address as opposed to a PO Box. That was a great question. I forget about that. I’m always saying don’t do it. I forgot that they even exist, UPS Boxes.

It cracks me up because I know somebody has a Beverly Hills address or something in Midtown. I’m going, “I don’t think so.” I get online and there it is.

You could do that, so do the lenders.

You’re right there too with using your home address. I know some people would feel uncomfortable with that but let’s face it, in nowadays world it’s not that hard to find you either way. I don’t think it’s necessarily a bad thing. If you’re starting out on a budget and you don’t have a building, you probably don’t want to be spending for something on that. 800 numbers, I’m sure there is a slew of them. You can look online and buy an 800 number.

You want to go through the same thing. You want to go through those virtual phones. You want to go to the RingCentral because it has to be a number that you own. What we suggest is that you not only get a phone number, you get an 800 number and a fax number. I know everybody looked and said, “Are you crazy? Nobody uses faxes anymore.” I like to turn it this way. If Walmart came to you and said, “I want to have a $100,000 credit line with you.” They filled out the credit application and there was no fax number, would you be slightly concerned coming from purchasing? Maybe you wouldn’t be now but back in my day, I would have been. The more information you could put on the credit app, the better. It doesn’t cost you any more. It’s the same number usually where you press one for a fax. That brings me to another point. One of the other reasons you get rejected is not having a website. I don’t know how many note buyers set up a website.

Most of them who are active in the business will do that if they’re marketing for the mom and pop note seller. Finance notes are very common here, but for somebody who is probably buying for their own portfolio, I would agree, they probably don’t have a website. You’re saying, either way, they should.

They should get one and along with it a professional email address. You don’t want to put on a credit application, PartyDude2010@Yahoo.com. You want to put Info@Kevin.com, Info@CreditSuite.com or Info@NoteBuyer.com. That’s legitimate.

I use iCloud, so @iCloud.com and things like that are too common. I should make it more business than I should have. For example, I’m getting a new website myself. I’m updating one. You can buy an email with that where I could have Kevin@KevinShortle.com. Are you saying that’s better credit-wise versus my Kevin@iCloud.com?

It’s not only better, but it’s also night and day. If you do @iCloud.com, that puts you in the lower level of approvals. You want to have it @YourWebsiteAddress.com. Here’s the thing. You’re a legitimate business, like I was, but lenders see it in a different way. These are the little things that people say, “I don’t understand why I’m getting denied.” It almost always comes back to credibility. There’s one more thing and then we will tie it together. I’m always amazed at how many business owners run their business through their personal bank account. I am blown away by how many people don’t have a business bank account. If you’re out there and you don’t have a business bank account, go get one. You must have a business bank account.

Here’s where it all ties together. Everything must be congruent. It must all match. You’re in Florida, Kevin. If I pulled up your company info at Sunbiz.org, I would see your company address on there. That needs to match on your website where Google has you listed, how your phones are listed, what you said on your checking account and at the IRS. I have seen this many times where people will register their business at Sunbiz.org, for example, from their home because it’s their first day. They’re starting their business and they want all the paperwork mailed to their house. They will order their EIN number from the IRS, which is step two. They will go get a corporate address. The IRS will end up with the corporate address. Sunbiz will have the home address. Nothing matches and you’re denied.

What I suggest to people, if you’re going to start, and I know my CEO doesn’t teach it this way, but by thinking common sense terms. Get your address, search the name, whatever state you’re in, make sure it’s available. Go ahead and get the address if it’s a virtual address, then register the name at that address and then apply for your EIN with that same address. That way you’re not going back and correcting things because they do charge you money to update your address. All of that has to match. If one item in there doesn’t match, it’s a red flag. It’s a manual underwriting if you’re not automatically denied.

Keep in mind, business credit, especially in the early stages, is done exactly the way the credit card companies do it. When you apply for a credit card online, you get one of two things to happen. You get the, “You’re approved,” or you get the, “We will get back to you in the next 30 days,” pop-up. Nobody wants to see that. We know what that means. That means you’re probably getting denied and expect the letter in the mail in the next few days. Business credit operates the same way. They have these algorithms and this artificial intelligence that looks for all this key information, the credibility, they call it fundable. The system will look for all that information. If there is a red flag it’s an instant denial. You didn’t know this, but that’s out there and it’s harming you and you didn’t even know.

That’s good information. When you explain it, it’s simple. Everything you said is logical but where are you supposed to learn this stuff? I’ve never heard of some of those things. I’ve got some things to do on my own to fix that.

This is a little bit of the information we give away for free on our YouTube channel. You go to YouTube and look up Credit Suite. This is the beginning of the credibility section. There are a lot of companies that charge for this information. We don’t because we want you to be set up properly. That way, you fly through. Remember we talked about six to nine months. Typically, the first 60 days is correcting all this baloney.

I was thinking the same thing. I’m like, “That’s got to be a big part of the process because why even apply if you don’t have that done? You told us and you’re going to get denied anyway so why would you even apply when you don’t have these checklists all checked off there. It doesn’t make sense.” You do have to learn the process and follow through on everything. If you are reading and you already have a business set up, maybe you messed up on the address and all that, everything you’ve talked about is correctable. That’s the whole point, go to the website and learn more. You have videos on this and such.

They can go to CreditSuite.com and there’s a free report on business credit building that will give them the beginning stat, just put their email in. We give away a ton of free information. If you go to most of YouTube channels, you will see anywhere from twenty to maybe 300 videos. We have over 4,000 videos. That’s how much information we have there. Everything from how to set up your business properly to different types of loans, how to apply and how to get approved for that.

When you’re applying for business credit, a denial is not necessarily always a denial. Here’s how business credit companies deny you. Please enter your Social Security number. That’s how you’re denied. What they’re saying is, “Your business credit is not standing on its own two feet, give us your Social and then we will run you.” When you’re filling out a credit application, it’s difficult online. Most companies have figured out that if you fill out online, they can block it so you have to put your social in. You can’t even submit it without it. What they don’t want you to know is you can call them and say, “No, run my business without my social and all business credit is reported based on your address, not your EIN number. They may ask for your EIN but they’re going to find it anyway. It’s all based on your address.

Getting back to the addresses, if you have multiple businesses, do not have them at the exact same address. What’s going to happen is when let’s say Office Depot approves you for credit and they give you $10,000. You use it and you pay for it. Now it’s great. You have a great payment experience. They go to report it and D&B gets that report. They see the address and they’re like, “We don’t know which company is this. We don’t report it at all.” You can spend your time building and getting zero results because you happen to have two businesses at the same address. I have clients who tried to be sneaky about it. Their friend owned a grocery store and there’s an office in the back room. They tried to use the back door as Suite B and then, “I legitimately have an office.” It has to be a legitimate mailing address. It cannot be apartment B when it’s one single-family house with a finished garage.

You said D&B, for those who don’t know, Dun & Bradstreet is what he’s talking about there. That’s another thing somebody would do is apply to Dun & Bradstreet.

Once we get you started, we’re going to help you get set up credibly. We’re going to go ahead and show you how to get your Dun & Bradstreet number for free and also we’ll help you get your business experience set up. The reason I mentioned the, “For free,” is D&B has been around forever. They used to sell us those books. If you remember back in the day, the green book with every business in the country was in there. They are required by law to give every business not just in the country, but in the world, a D&B number. If you apply for it, you get it.

If you have a company, you have to do something for free and you’re required by law, you have to find a way to monetize that. They charge by pulling people’s report. If I want to get a report on you, I would have to pay for that. If I want to report all my customers to D&B, I have to pay for that. They also looked at the small business owners and said, “Why not take advantage of them as well?” The minute you apply for a D&B, they’re going to call you and they’re going to tell you the sky is falling, the Earth is opening up and your business is going to burn to the ground unless you pay them.

They will start at $1,900 and they will work their way down $497. It’s all baloney. The $497 is so that you can pay them to submit your information. They can verify that you have an email address. All the things I gave you for free, they’re going to verify that for $497. Their job is to verify it anyway. The second thing they’re going to charge you for is the business credit builder. That’s where I owe you money, Kevin, and you say, “Yes, Steve owes me money and he’s paid on time for a year.” I report that to D&B. I’m giving D&B that info. If I pay them $1,900, they will put that on my report. It sounds good. Now I can build up the straight lines from the people I’m already doing business with. Here’s the problem with that. When your contract is up, if you don’t pay them the $1,900 again, all those trade lines are debt. It’s like closing a credit card account. It’s not there anymore, it’s closed. Now you may have had twenty trade lines. You go to apply for a Visa, MasterCard, American Express and they go, “You have nothing recorded here. It’s closed.” Don’t pay D&B anything. It’s a complete waste of time.

In our business on the note side, there is a technique called hypothecation. You pledge your income or your notes to get loans back. Instead of selling a partial loan where now you don’t have any cashflow from that note, you got a lump sum but no monthly cashflow for a period of time. What some people prefer to do is they will say, “I will pledge these as collateral, get a line of credit at a lower interest rate, and buy more notes that way.” This is another alternative where you said you could get a line of credit based upon the cashflow. It’s not pledged as collateral. This is a line of credit based on the business.

It’s called revenue finance but I will tell you this. You’re all familiar with the term hard money and they were called hard money for a reason. Revenue financing is similar in that it hurts. They’re going to make weekly, monthly or daily withdrawals in your bank account. It doesn’t fit everybody. However, if you have an opportunity to buy a note at $0.25 or $0.30 on the dollar and it’s for a property that would be worth double what the entire note is worth. In other words, you buy some for $30,000 with $100,000 note in the property that will potentially be worth $200,000. I would absolutely use revenue financing to borrow that $30,000 to get that note so I can get that property, then it’s worth it. I tell people, “If you’re going to use revenue financing, you need to turn it into three to five times what you borrowed.” If you borrow $10,000, you need to get a return of $30,000 to $50,000 within six months.

When you do hard money loans, it’s a short-term, you close quickly, you get the money. You’ve got to make sure you’ve got a return coming back there because that money is not cheap.

We also have hundreds of other programs. We took somebody that was bringing in $30,000 a month. We may have another program that was going to look at the revenue but not be locking up the revenue.

We cover a lot of ground on this and I know there’s a lot more to it. I’m sure I’m going to get some emails saying, “Get Stephen back on here.” We will get questions and such. We will do this. In the meantime, please go to their website, CreditSuite.com. Go to their YouTube channel and look them up. There’s a lot of free information on there. This could open up a whole new world of opportunity for you who are looking to take your business to the next level. Those of you who are stuck with you can’t do anything because you don’t have access to the capital. Put yourself on this program and start building that credit. It’s going to be a whole different outcome for you six to nine months down the road. Stephen, thank you so much for being on and informing us on all this.

Thank you for inviting me. I had a great time. I can’t wait to do it again.

Thank you. Thanks for giving me a good rating on the show. Talk me up at your clubs, meetup groups, get people on the podcast and we will all do a lot more business together in the future. Thanks.

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About Stephen Wible

KSS 31 | Business Line Of CreditStephen is a Marine Corps veteran with a deep background in real estate sales, flipping and property management, print manufacturing, building and obtaining business credit. He has founded and led multiple successful companies and has had as many as 300+ rental properties in his portfolio.

Stephen is a public speaker, author of “Business Credit – The Complete Step-By-Step Guide”, trainer, and avid learner. He passionately combines his high energy and business credit knowledge and is a recognized expert in the field. He provides impactful insight into building business credit and obtaining loans for business – teaching and presenting to thousands.

He is the Director of Business Development for Credit Suite, Inc. – The recognized leader in teaching business owners how to “Build Business Credit” that is NOT tied to your social security number.

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