Building credit without existing credit feels impossible—but it doesn't have to be. In this episode of the Benchmark Ledger Solutions podcast, founder Kimi Witherell explores credit builder loans and reveals why Self stands out as the top solution for individuals and business owners looking to establish or improve their credit score.

What You'll Learn:

If you're starting a business, rebuilding your financial foundation, or simply don't have established credit history, this episode is essential listening. Kimi breaks down everything you need to know about credit builder loans and how Self makes the credit-building process accessible and effective.

Key Topics Covered:

• What are credit builder loans? Understanding how these specialized loans work differently from traditional loans and why they're designed specifically for credit building
• How Self works from application to completion, with a step-by-step walkthrough of the process
• Why Self is the best option compared to other credit builder loan providers in the market
• The benefits for consumers including flexible payment options, savings features, and credit reporting to all three major bureaus
• Real credit score impact and what to expect from using Self's credit builder loan program
• Who should use Self whether you're establishing first-time credit, recovering from past credit issues, or building business credit foundations

Perfect for:

• New business owners who need to establish business and personal credit
• Side hustlers preparing to scale and need better credit for funding options
• Young professionals building credit for the first time
• Anyone recovering from credit challenges and looking for a proven path forward
• Entrepreneurs who want to strengthen their financial profile before seeking business loans

Why Credit Building Matters for Business Owners:

Your credit score affects everything from business loan approvals to vendor terms and lease agreements. Kimi explains how investing in a credit builder loan now can unlock better financial opportunities for your business later—and why Self's structure makes it the most effective tool for the job.

Self's credit builder loans help you build credit while simultaneously building savings, creating a dual benefit that traditional credit products can't offer. Learn how this innovative approach can transform your financial future without requiring existing credit or a large upfront investment.

Whether you're launching your first business, growing a side hustle into a full-time venture, or simply want to take control of your financial health, this episode provides actionable insights and a clear path forward.

Discover why thousands of Americans trust Self to build their credit—and how you can start building yours today.