Couverture de Small Business Credit Minute w/ S.E. Day™ | Business Credit & Funding for Small Business Owners

Small Business Credit Minute w/ S.E. Day™ | Business Credit & Funding for Small Business Owners

Small Business Credit Minute w/ S.E. Day™ | Business Credit & Funding for Small Business Owners

De : S.E. Day
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À propos de ce contenu audio

 Welcome to Small Business Credit Minute w/ S.E. Day™—the podcast built for business owners who are tired of confusing advice and preventable denials. In minutes, you’ll learn how lenders actually evaluate you—and how to align the three pillars that decide approvals: business credit, cash flow, and compliance. I’ll break down underwriting signals in plain English, show you what’s hurting your fundability, and give you one clear action you can take immediately. If you want to become lender-ready, stop wasting applications, and build bankable strength the right way—this is your credit minute. Qualify first. Apply second. Let’s get you funded.

Become a supporter of this podcast: https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support.For Small Business Only, LLC Direction Economie Management et direction
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    Épisodes
    • Funding Readiness Reality Check: One Bureau Won’t Get You Funded—Fix All 3 Business Credit Reports Fast (D&B, Experian, Equifax)

      Funding Readiness Reality Check: One Bureau Won’t Get You Funded—Fix All 3 Business Credit Reports Fast (D&B, Experian, Equifax)
      Feb 19 2026
      One Bureau Won’t Get You Funded—Fix All 3 Business Credit Reports Fast (D&B, Experian, Equifax)

      Is your business lender-ready? (Click Here) Get my free Business Credit Starter Kit at https://fsbonly.com

      Episode Summary

      Most business owners treat business credit like it’s one score. It’s not. It’s three report cards—and lenders may check one, two, or all three depending on the product. In this 15-minute solo episode, S.E. Day breaks down what Dun & Bradstreet, Experian, and Equifax actually track, which lender types tend to look where, and a simple 30-day build plan to strengthen your credit footprint across all bureaus—without wasting applications.
      What You’ll Learn
      • How each bureau builds your file (and why “no file” is common)
      • Which lender types typically weigh which bureau more heavily
      • A 30-day “profile-first” plan to create multi-bureau credibility fast
      The 30-Day Credit Reporting Company Build Plan (Simple + Execute)

      Here’s a clean 30-day plan that improves your footprint across all three bureaus and improves underwriting readiness.

      Days 1–7: Profile Foundation (Stop split-file problems)
      • Standardize business identity: legal name, DBA (if any), address, phone, email, NAICS
      • Align the same identity across: bank account, invoices, website/contact page, key listings
      • Confirm your business is verifiable and consistent everywhere it appears
      Goal: Your data “stacks” into one clean file—not fragments.

      Days 8–15: Reporting Strategy (Get real data flowing)
      • Add or strengthen reporting tradelines appropriate to your stage
      • Set autopay or payment discipline so you never miss a due date
      • Focus on consistency, not quantity
      Goal: Build file depth and payment history, not random noise.

      Days 16–23: Underwriter Signals (Move beyond bureaus)
      • Clean up banking: stabilize deposits, reduce cash flow chaos, keep balances healthier
      • Reduce volatility: fewer spikes/drops, fewer emergency overdrafts
      • Document revenue consistency (even if you’re not applying yet)
      Goal: Your bank behavior supports your credit story.

      Days 24–30: Audit + Pre-Application Readiness
      • Review reports where possible and dispute obvious errors
      • Confirm: business identity matches everywhere
      • Don’t apply yet—run a readiness check: “If an underwriter pulled my file today, would it look stable, consistent, and credible?”
      Goal: You become lender-ready before you burn inquiries and denials.

      Keywords (SEO)
      business credit bureaus, D&B Paydex, Experian business, Equifax business, business credit profile, fundability, underwriting, lender-ready, tradelines, business verification

      Become a supporter of this podcast: https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support.

      Qualify First. Apply Second. Remember, Your Dreams Deserve A Chance To Grow, Just Like Your Business!
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      9 min
    • Exit Rich, Not Ripped by Taxes (Use an Employee Stock Ownership Plan to Buy Out Your Shares)

      Exit Rich, Not Ripped by Taxes (Use an Employee Stock Ownership Plan to Buy Out Your Shares)
      Feb 16 2026
      Exit Rich, Not Ripped by Taxes—Use an ESOP to Buy Out Your Shares (ft. Matt Middendorp)Is your business lender-ready? Get my free Business Credit Starter Kit at https://fsbonly.comEpisodeSummaryIf you’re a business owner thinking about an exit—but you don’t want to hand your company to a competitor, private equity, or a buyer who will gut your culture—an Employee Stock Ownership Plan (ESOP) may be the cleanest path to personal liquidity, potential tax efficiency, and long-term business continuity.In this episode of Small Business Credit Minute w/ S.E. Day™, S.E. Day sits down with Matt Middendorp of Vision Point Capital to break down ESOPs in plain English: how they create a structured buyout for owners, how they can strengthen retention and productivity through real ownership incentives, and how they help preserve a company’s legacy while building a sustainable transition plan.GuestMatt Middendorp — Vision Point CapitalLinkedIn: https://www.linkedin.com/in/mattmiddendorpWebsite: ESOPpartners.comWhat You’ll Learn in This EpisodeHow an ESOP can create substantial owner liquidity without selling to an outside buyerWhere tax advantages may exist (and why strategy + structure matters)The difference between a partial ESOP sale vs. full ESOP exitHow employee ownership can improve retention, engagement, and productivityWhy ESOPs often protect culture, brand identity, and legacy better than an acquisitionThe operational realities owners must plan for (cash flow discipline, governance, administration)Key Takeaways (Fast, Practical)1) ESOPs can be an exit strategy without “selling out.”You can convert equity to liquidity while keeping the business independent.2) Cash flow is the engine.ESOPs work best when the business has consistent profitability and the ability to support plan contributions and/or financing.3) Retention improves when employees understand the value.Ownership incentives only work when leaders communicate what drives value and employees see a clear line from performance to outcomes.4) Legacy and continuity are strategic advantages—not soft benefits.An ESOP can support succession planning, stabilize the workforce, and reduce disruption that commonly comes with outside buyers.5) ESOPs are not “set it and forget it.”Strong governance, defensible valuation, and ongoing compliance are non-negotiables.Who This Episode Is ForOwners considering a transition in the next 1–10 yearsFounders who want liquidity + legacy, not just the highest offerCompanies with steady cash flow and a leadership bench beyond the ownerEmployers losing great people and looking for a real incentive strategy (not fluff)Quick Self-Check: Are You an ESOP Candidate?If you can say “yes” to most of these, it’s worth exploring:We have consistent operating profit and predictable cash flowOur financial reporting is clean and timelyThe business can run without me every day (strong management team)I want to preserve culture and protect employeesI’m open to a structured transition rather than a single clean breakQuotes / Soundbites (for Promotion)“An ESOP isn’t a giveaway—it’s a structured transaction that creates owner liquidity.”“Ownership is gasoline. Culture and leadership are the engine.”“The tax value comes from planning and fit—not shortcuts.”Resources & LinksMatt Middendorp (LinkedIn): https://www.linkedin.com/in/mattmiddendorpESOP Partners Website: https://esoppartners.comFSBO Starter Kit: https://fsbonly.comDisclaimerThis episode is for educational purposes only and does not constitute legal, tax, or investment advice. ESOP rules are complex and outcomes depend on the company’s facts, valuation, and transaction structure. Consult qualified ESOP counsel and tax professionals before making decisions.Your Call to ActionIf you want a simple roadmap to start building business credit the right way, grab my free Business Credit Starter Kit at https://fsbonly.com.Become a supporter of this podcast: https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support.Qualify First. Apply Second. Remember, Your Dreams Deserve A Chance To Grow, Just Like Your Business!
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      30 min
    • Funding Readiness Reality Check: DUNS Number ~ When You Need It and When You Don't

      Funding Readiness Reality Check: DUNS Number ~ When You Need It and When You Don't
      Feb 12 2026
      Chasing a DUNS Number Delays Funding—Build Fundability First


      Get my free Business Credit Starter Kit at https://fsbonly.com

      Episode Summary

      A DUNS number is not business credit—it’s a business identifier tied to Dun & Bradstreet. In this Funding Readiness Reality Check, S.E. Day breaks down when you actually need a DUNS, when it’s unnecessary, and why waiting on it can delay approvals. You’ll learn the real fundability stack lenders respond to: identity consistency, compliance footprint, banking stability, and reporting activity—then how D&B fits strategically (not emotionally).

      What You’ll Learn
      • What a DUNS number is (and what it will never do)
      • When you need DUNS (D&B reporting and PAYDEX strategy)
      • When you don’t need DUNS (and what lenders often prioritize instead)
      • How “DUNS first” can create verification friction and slow approvals
      • The correct fundability build order to stop wasting months and applications
      Fundability Fix in 60 Seconds

      Audit and align four identity signals across your bank, filings, website, and profiles:business name format, address format, phone, and domain-based email. Identity consistency improves verification outcomes fast.

      Keywords (SEO)
      DUNS number, Dun and Bradstreet, D&B profile, PAYDEX score, business credit building, fundability, lender-ready, business identity consistency, business compliance, business banking, tradelines, small business funding, business credit approvals

      Become a supporter of this podcast: https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support.

      Qualify First. Apply Second. Remember, Your Dreams Deserve A Chance To Grow, Just Like Your Business!
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      7 min
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