“I learned all because I had to do all the credit repair and I had to figure out how banks work to eventually, if I'm getting my own business, I need to like repair my credit.”

“When you go through your handbook, run every policy through four quick questions. Do we actually follow this today? Would we enforce it consistently for every employee, including our top performer? Does it still fit our size, our locations, and how we work? And is it still compliant in every state where we have employees?”

“If you got a 95% loan on 1.5 mil, it would be a $1.425 million loan… you would need, like, $220,000 a year for the bank to give you the loan.”

“Here's the exact template I use... hi, [first name]... I really appreciate your interest... we focus on clients who fit a certain profile... Since you don't quite fit into that profile right now, we wouldn't be the best fit... you either make a referral... or wish them the best of luck.”

“I always like to, I think loan term is probably the most important for a business loan. Because often the loan term, if there's like a part of it that's unsecured, or there's not so much security, the bank may want say a five-year loan term”