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

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Welcome to Small Business Credit Minute w/ S.E. Day™—the podcast built for business owners who are tired of…

by S.E. Day

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

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

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. Qua

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Episodes

79 episodes
  1. Nov 3, 2026 · 57 min

    The Financial Reality of Building a Sustainable Business — From a REAL & Successful Business Owner

    Small Business Credit Minute w/ S.E. Day™ The Financial Reality of Building a Sustainable Business — with Novo Founder Michael Rangel Guest: Michael Rangel Episode Focus: Cash Flow | Profitability | AI | Entrepreneurship | Growth | Capital Readiness Episode Overview Revenue growth does not necessarily mean a business is financially healthy. A company can increase sales while struggling with cash flow, rising…

  2. Oct 27, 2026 · 25 min

    Marketing That Moves the Business: How Small Businesses Build a Brand, Earn Trust, and Turn Visibility into Growth

    Episode Overview A great product or service isn’t enough if the right customers don’t know you exist. But simply spending money on advertising, social media, websites, or digital tools doesn’t guarantee growth either. In this episode of Small Business Credit Minute w/ S.E. Day™, S.E. Day sits down with Patricia Beitler, MBA, Founder and President of Velocitas Interactive Marketing + Public Relations, to discuss how…

  3. Oct 19, 2026 · 29 min

    Compliance Before Capital__Fix the Legal Gaps that can Derail Funding

    Show notes Your funding file should clearly show which company is borrowing, who owns it, and who can sign. S.E. Day interviews transactional attorney Cora Whitney of Malek + Malek Attorneys (www.malekattorneys.com/team/cora-whitney/) about the legal preparation behind those answers.The conversation explores entity mismatches, informal ownership changes, partnership agreements, and the relationship between legal…

  4. Oct 5, 2026 · 20 min

    Reconsideration Calls That Actually Work - A Script and A Strategy

    Episode title: Reconsideration Calls That Actually Work — A Script and Strategy Show notes: A business credit denial can leave you wondering what to say next. In this episode, S.E. Day explains how to prepare a reconsideration conversation from a bank underwriter’s angle.You’ll hear how to identify the actual reasons for a denial, separate factual corrections from financial weaknesses and product mismatches, and…

  5. Sep 28, 2026 · 15 min

    Business Credit Disputes: What You Can Correct and How to Do It Right

    SHOW NOTES Business Credit Disputes: What You Can Correct and How to Do It Right Finding incorrect information on your business credit report doesn’t mean you should start firing off generic dispute letters. In this episode, S.E. Day explains the difference between a legitimate commercial credit dispute and an attempt to remove accurate negative information. You’ll learn how to audit business identity information,…

Earlier episodes (74)
  1. Sep 14, 2026 Business Compliance and Funding: What Lenders Need to See
    Show Notes Strong revenue and good credit may not be enough to secure financing if your company’s legal and compliance records raise questions. In this episode, S.E. Day speaks with attorney Greg Tinch about the compliance gaps that can weaken a business’s credibility before a lender finishes reviewing the application. They examine why forming an LLC is only the beginning—and how inconsistent records, outdated…
  2. Sep 9, 2026 The Compliance Cleanup - Every Business Needs Before Seeking Funding
    Episode Summary A business can have revenue, cash, and credit history and still create avoidable underwriting risk when its records are incomplete, outdated, or inconsistent. In this episode, S.E. Day explains the five-part compliance cleanup every small-business owner should complete before seeking a loan, line of credit, or business credit card.Listeners learn how to align the company’s legal identity, restore…
  3. Sep 1, 2026 LLC vs. S-Corp vs. C-Corp vs. B-Corp -- Which Structure is Best for Building Business Credit?
    Show Notes LLC vs. S-Corp vs. C-Corp vs. B-Corp - Which Structure Is Best for Building Business Credit? Business owners are often told that the right entity label will unlock business credit. The truth is more disciplined: LLCs, corporations, and eligible S-election entities can all build business credit. The structure establishes the legal and operational container; payment performance, cash flow, accurate…
  4. Aug 25, 2026 The Truth About Small Business Grants | What’s Real and What’s a Waste of Time
    Show Notes The Truth About Small Business Grants—What’s Real and What’s a Waste of Time Small-business grants are real—but they are not a universal source of free money. Most legitimate opportunities are narrow, competitive, restricted to a specific purpose, or delivered indirectly through states, nonprofits, universities, and other intermediaries.In this Funding Readiness Reality Check, S.E. Day explains how to…
  5. Aug 18, 2026 SBA 7(a), 504, and Micro Loans Explained without the Confusion
    Show Notes Episode Summary: SBA-backed financing is not one generic product. This episode explains the distinct jobs of the SBA 7(a), 504, and Microloan programs and gives business owners a practical framework for choosing the correct lane. The 7(a) program offers flexible financing for eligible business purposes; the 504 program provides long-term fixed-asset financing through a CDC and senior lender; and…
  6. Aug 6, 2026 What Is a CDFI and Why Every Small Business Owner Needs to Know One?
    Show Notes In this episode, S.E. Day explains what a Community Development Financial Institution, or CDFI, is and why small business owners should understand how CDFIs fit into their funding strategy. CDFIs are mission-driven financial institutions that serve communities and borrowers often underserved by traditional lenders. They may include community development banks, credit unions, loan funds, and venture…
  7. Jul 28, 2026 The Mid-Year Credit Check In: Are You on Track for Year-End Funding Goals
    Show Notes Episode Summary Many business owners set year-end funding goals without evaluating whether their credit, cash flow, compliance, and documentation are moving in the same direction. In this episode, S.E. Day walks business owners through a practical mid-year funding-readiness review. Listeners learn how to audit business and personal credit, examine six months of banking activity, organize financial…
  8. Jul 20, 2026 How to Get a Business Credit Card with No Personal Guarantee
    Episode Summary A business credit card without a personal guarantee can help separate company obligations from an owner’s personal liability. However, approval generally requires the business to demonstrate sufficient financial strength through revenue, cash balances, cash flow, commercial credit, or collateral. In this episode, Sandy E. Day explains the differences between traditional small-business credit cards…
  9. Jul 14, 2026 Credit Card Stacking: Strategy, Myth, and What Can Go Wrong
    Episode Title Credit Card Stacking: Strategy, Myth, and What Can Go Wrong Episode Summary In this episode of the Small Business Credit Minute w/ S.E. Day™, Sandy breaks down the real-world risks and strategic uses of credit card stacking for small business owners. Credit card stacking can create access to short-term revolving capital, but it can also damage personal credit, increase utilization, create cash flow…
  10. Jul 9, 2026 The Credit Card Utilization Rule That Most Business Owners Are Breaking Right Now!
    Episode Summary In this episode of Small Business Credit Minute w/ S.E. Day™, Sandy explains why many business owners are unintentionally damaging their credit profile by allowing high credit card balances to report, even when they pay the cards in full by the due date. The episode breaks down credit card utilization, why statement closing dates matter, how reported balances can affect personal and business credit…
  11. Jul 6, 2026 Business Credit Cards vs. Personal Credit Cards -- Why the Distinction Matters
    Episode Summary Many entrepreneurs use personal credit cards to pay for business expenses, believing that a credit card is simply a credit card. From a lender’s perspective, however, there is a significant distinction. In this episode of Small Business Credit Minute w/ S.E. Day™, Sandy E. Day explains why business credit cards and personal credit cards serve different purposes, how each affects your financial…
  12. Jun 29, 2026 Your LLC Is Not a Magic Shield: Piercing the Corporate Veil and Why Banks Care
    SHOW NOTES Episode Title Your LLC Is Not a Magic Shield: Piercing the Corporate Veil and Why Banks Care Episode Summary Many small business owners believe forming an LLC or corporation automatically protects them and makes their business look credible to banks. That is not true. In this episode of Small Business Credit Minute w/ S.E. Day™, Sandy breaks down the legal term piercing the corporate veil and explains…
  13. Jun 25, 2026 Compliance Gaps Kill Funding — How to Fix the Legal Signals Lenders Notice Before You Apply
    Compliance Gaps Kill Funding — How to Fix the Legal Signals Lenders Notice Before You Apply Get my free Business Credit Starter Kit at https://fsbonly.com ⁠ AIDA Elements Attention: Could weak compliance be making your business look too risky to fund? Interest: Many business owners focus on credit scores and revenue, but lenders also look for legal consistency, documentation, ownership clarity, active registration,…
  14. Jun 18, 2026 Are NSF Fees and Overdrafts Killing Your Fundability? (Fix Them Before You Apply)
    Episode Title Are NSF Fees and Overdrafts Killing Your Fundability? Episode Summary NSF fees and overdrafts may look like small banking charges, but lenders may read them as cash-flow warning signs. In this episode of Small Business Credit Minute w/ S.E. Day™, Sandy explains why repeated NSF fees, overdrafts, returned payments, and negative balances can weaken a business owner’s fundability. The real issue is not…
  15. Jun 15, 2026 Weak Cash Flow Blocks Funding — Why Lenders Care More About Repayment Than Revenue
    Weak Cash Flow Blocks Funding — Why Lenders Care More About Repayment Than Revenue Get my free Business Credit Starter Kit at https://fsbonly.com . Episode Summary Most small business owners think funding starts with credit scores, collateral, or revenue. But lenders often focus on something more basic: cash flow. In this episode of Small Business Credit Minute w/ S.E. Day™, Sandy Day sits down with Aaron Fenwick,…
  16. Jun 12, 2026 The 3-Month Cash Flow Every Lender Looks For (And How You Can Provide The Fix With Confidence
    Episode Title The 3-Month Cash Flow Every Lender Looks For (And How You Can Provide The Fix With Confidence Episode Summary In this episode of Small Business Credit Minute w/ S.E. Day™, S.E. Day breaks down why lenders pay close attention to the last 90 days of business cash flow before making funding decisions. Business owners often focus on revenue, credit scores, or tax returns, but lenders want to know…
  17. Jun 7, 2026 When History Gets Reduced to a Holiday, Communities Lose the Lesson — How Kensington Juneteenth Turns Family Fun Into Civic Education
    Episode Title When History Gets Reduced to a Holiday, Communities Lose the Lesson — How Kensington Juneteenth Turns Family Fun Into Civic Education Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary In this episode of Small Business Credit Minute w/ S.E. Day™, Sandy sits down with Jamie Boston to discuss the upcoming 5th Annual Kensington Juneteenth Celebration, taking place Saturday,…
  18. May 28, 2026 Cash Flow Reality Check - Is Your Account Telling a Fundable Story?
    Cash Flow Reality Check — Is Your Account Telling a Fundable Story? Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary Your business bank account may be saying more to lenders than you realize. In this Funding Readiness Reality Check episode, S.E. breaks down how lenders review your cash flow, deposits, balances, overdrafts, and account behavior before deciding whether your business…
  19. May 25, 2026 Your Deposits Are Talking -And Your Lender is Listening!
    Your Deposits Are Talking—And Your Lender Is Listening Get my free Business Credit Starter Kit at https://fsbonly.com AIDA Elements Attention: What would your lender learn if they reviewed your last 90 days of business bank deposits today? Interest: Your business bank account may be saying more than you think. Lenders use deposit patterns to evaluate cash flow, repayment capacity, liquidity, and financial…
  20. May 18, 2026 Financial Illiteracy Costs Communities—Credit Unions Can Change It
    Financial Illiteracy Costs Communities—Credit Unions Can Change It Get my free Business Credit Starter Kit at https://fsbonly.com In this episode of Small Business Credit Minute w/ S.E. Day™, I sit down with Lee Morgan, President and CEO of PenAir Credit Union to discuss why financial literacy is more than community outreach—it is a mission-critical strategy for building stronger members, healthier households,…
  21. May 15, 2026 The 90-Day Bank Statement Test: What Your Cash Flow Reveals Before the Lender Says No
    The 90-Day Bank Statement Test: What Your Cash Flow Reveals Before the Lender Says No Get my free Business Credit Starter Kit at https://fsbonly.com Your business bank statements may be failing the lender’s review before your application is even fully considered. In this Funding Readiness Reality Check episode of Small Business Credit Minute w/ S.E. Day™, Sandy breaks down The 90-Day Bank Statement Test and…
  22. May 11, 2026 Denied by the Wrong Lender? How Credit Unions Underwrite Small Business Loans Differently Than Banks
    Denied by the Wrong Lender? How Credit Unions Underwrite Small Business Loans Differently Than Banks Get my free Business Credit Starter Kit at FSBOnly.com . Episode Summary Not all lenders evaluate small business loan applications the same way. Banks and credit unions both review risk, repayment ability, credit history, cash flow, collateral, and documentation—but credit unions may also bring a more…
  23. May 7, 2026 Risk Signals Lenders See That You Don't Know You're Sending (Fix Them Now)
    Risk Signals Lenders See That You Don’t Know You’re Sending Get my free Business Credit Starter Kit at https://fsbonly.com Attention: What risk signals is your business sending before a lender even reads your application? Interest: Many business owners think they are being denied because they lack revenue, collateral, or time in business. Sometimes that is true. But often, the bigger issue is that the business…
  24. May 4, 2026 The Document Stack: What Every Lender Wants to See and Why
    Episode Summary Free ResourceGet my free Business Credit Starter Kit at https://fsbonly.com Most business owners think loan documents are just paperwork. Lenders see them differently. Your document stack tells the underwriting story of your business — whether you are organized, compliant, cash-flow stable, creditworthy, and ready to repay. In this episode of Small Business Credit Minute w/ S.E. Day™, S.E. breaks…
  25. May 1, 2026 Inside the Underwriter's Mind (What Kills A Loan Application Before It's Read)
    Inside the Underwriter’s Mind: What Kills a Loan Application Before It’s Read Get my free Business Credit Starter Kit at https://fsbonly.com Most business owners believe their loan application is rejected after someone views their story. The truth is sharper: many applications are already in trouble before the underwriter reads the narrative. In this episode of Small Business Credit Minute w/ S.E. Day™ , Sandy…
  26. Apr 23, 2026 Funding Readiness Reality Check: Weak Underwriting Signals Kills Approvals (Score Yourself Before the Lender Does)
    Weak Underwriting Signals Kill Approvals — Score Yourself Before the Lender Does Get my free Business Credit Starter Kit at https://fsbonly.com Are you about to apply for funding with underwriting signals that already scream risk? Too many business owners submit applications before they understand what lenders are actually measuring in the first sixty seconds. This episode breaks down the real checklist behind…
  27. Apr 20, 2026 Money Confusion Hurts Families (Community Leadership Changes Outcomes)
    Money Confusion Hurts Families—Community Leadership Changes Outcomes Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary Financial literacy does not begin with a spreadsheet. It begins with trust, access, repetition, and leadership inside the community. In this episode of Small Business Credit Minute w/ S.E. Day™ , S.E. Day speaks with Vince Shorb, Founder & CEO of the National Financial…
  28. Apr 13, 2026 When Members Lack Financial Knowledge, Progress Slows (Why Frontline Leaders Must Teach)
    When Members Lack Financial Knowledge, Progress Slows (Why Frontline Leaders Must Teach) Get my free Business Credit Starter Kit at https://fsbonly.com In this episode of Small Business Credit Minute w/ S.E. Day™, I sit down with Yerlis Quintanilla, Credit Union Branch Manager and Managing Director of Silrey Services LLC, to discuss why financial literacy is one of the most important tools for building real…
  29. Apr 9, 2026 Funding Readiness Reality Check: Messy Bank Statements Trigger Denials - Use Financial Literacy To Clean Them Before Applying
    Messy Bank Statements Trigger Denials — Clean Them Up Before You Apply I Get my free Business Credit Starter Kit at https://fsbonly.com Are your bank statements quietly damaging your funding chances before a lender ever pulls your file? In this solo episode of Small Business Credit Minute w/ S.E. Day™, S.E. breaks down why financial literacy is not just about budgeting—it is about understanding how your business…
  30. Apr 6, 2026 Weak Financial Literacy Slows Business Growth—How Local Leadership Helps Entrepreneurs Make Smarter Money Decisions
    Weak Financial Literacy Slows Business Growth—How Local Leadership Helps Entrepreneurs Make Smarter Money Decisions Get my free Business Credit Starter Kit at https://fsbonly.com In this episode of Small Business Credit Minute w/ S.E. Day™, S.E. Day sits down with Joe Haggerty, President and CEO of the Alexandria Chamber of Commerce, for a practical conversation on why financial literacy is one of the most…
  31. Apr 2, 2026 Funding Readiness Reality Check: Financial Confusion Creates Costly Mistakes (National Financial Literacy Month Starts the Reset)
    Financial Confusion Creates Costly Mistakes -- National Financial Literacy Month Starts the Reset Get my free Business Credit Starter Kit at https://fsbonly.com National Financial Literacy Month is here -- and financial confusion is costing families and business owners more than they realize. In this episode of the Samll Business Credit Minute w/ S.E. Day™, we officially kick off National Financial Literacy Month…
  32. Mar 30, 2026 No Business Credit, No Leverage! (Build It Before You Need It)
    No Business Credit, No Leverage, Build It Before You Need It Get my free Business Credit Starter Kit at https://fsbonly.com Play this episode now to learn how to build business credit before you need money—so you can move with more confidence, more leverage, and better options when opportunity shows up. Episode Summary Do you need business credit? The real answer is yes—if you want your business to be taken…
  33. Mar 26, 2026 Funding Readiness Reality Check ~ NET-30 Hype Delays Funding (Use Trade Credit the Right Way)
    NET-30 Hype Delays Funding—Use Trade Credit the Right Way Get my free Business Credit Starter Kit at https://fsbonly.com Are NET-30 accounts really building your business credit—or just giving you a false sense of progress? Too many small business owners are being told that a few vendor accounts will make them funding-ready. In this episode, S.E. Day breaks down what NET-30 accounts are actually supposed to do, why…
  34. Mar 23, 2026 Messy Books Kill Profit and Scalability (Fix Your Numbers Before They Cost You)
    Messy Books Kill Profit and Scale—Fix Your Numbers Before They Cost You Get my free Business Credit Starter Kit at https://fsbonly.com Get your FREE offer from Kristen at www.LessMathMoreMoney.com Checkout BCC Supplies at www.BCCSupplies.com and get your 1st 30 days free with code: SEDAY. Start building your Net-30 account with a company I highly recommend. In this episode of Small Business Credit Minute w/ S.E.…
  35. Mar 20, 2026 Funding Readiness Reality Check: Your Business Address Is Hurting Your Credibility (Fix It Before You Apply)
    Your Business Address Is Hurting Your Credibility—Fix It Before You Apply Get my free Business Credit Starter Kit at https://fsbonly.com Your business address is more than contact information. It is a credibility signal that lenders, banks, vendors, and underwriters may use to evaluate whether your company appears stable, consistent, and verifiable. In this episode of Funding Readiness Reality Check, S.E. Day…
  36. Mar 16, 2026 Is Your Business Actually Fundable? (Know The Compliance Checklist Lenders Use)
    Is Your Business Actually Fundable? The Compliance Checklist Lenders Use Is your business lender-ready ? Get my free Business Credit Starter Kit at https://fsbonly.com Most business owners think fundability starts with revenue, credit scores, or time in business. That is incomplete. Lenders often start earlier than that. They first ask whether the business is identifiable, verifiable, authorized, and operationally…
  37. Mar 12, 2026 Funding Readiness Reality Check: Chaotic Cash Flow Kills Approvals (Use the Right Bank Account to Look Stable and Fundable)
    Chaotic Cash Flow Kills Approvals—Use the Right Bank Accounts to Look Stable and Fundable Get my free Business Credit Starter Kit at https://fsbonly.com Is your business losing funding strength because all of your money is running through one messy bank account? Many owners think cash flow inconsistency is just a revenue problem. It is often a structure problem. When revenue, operating expenses, and reserves all…
  38. Mar 9, 2026 HR Mistakes Kill Profit and Funding (Use a PEO to Get Compliant and Bankable)
    HR Mistakes Kill Profit and Funding—Use a PEO to Get Compliant and Bankable Is your business lender-ready? (Click Here) Take the quiz to see if you are ready to qualify and apply or need additional steps. Get my free Business Credit Starter Kit at FSBOly.com Episode summary (SEO + conversion) Professional Employer Organizations (PEOs) can remove approval-killing friction: payroll tax risk, workers’ comp exposure,…
  39. Mar 6, 2026 Funding Readiness Reality Check: Good Credit, Still Denied? Fix the Fundability Triangle Before You Apply
    Good Credit, Still Denied? Fix the Fundability Triangle Before You Apply Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary Why do some business owners with decent credit still get denied for financing? Because lenders do not approve scores. They approve businesses that look stable, legitimate, and likely to repay. In this episode of Small Business Credit Minute w/ S.E. Day™, S.E. breaks…
  40. Mar 2, 2026 Your LLC Won't Protect You: Why Lenders Demand a Personal Guarantee (And How to Remove it)
    Your LLC Won’t Protect You: Why Lenders Demand a PG (and How to Remove It) Get my free Business Credit Starter Kit at FSBOnly.com Episode Summary: If you formed an LLC thinking it would protect your personal assets from business debt, here’s the truth: lenders can bypass that protection by requiring a personal guarantee (PG)—and they do it when the business file doesn’t prove strong, predictable repayment on its…
  41. Feb 26, 2026 Funding Readiness Reality Check: Personal Credit vs Business Credit ~ The Underwriter's Real Perspective
    Personal Credit vs Business Credit: The Underwriter’s Real Perspective Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary If your personal credit is strong but your business keeps getting denied, you’re not “unlucky”—you’re being underwritten. In this episode of Small Business Credit Minute w/ S.E. Day™, I break down how underwriters actually use personal credit vs. business credit, what…
  42. Feb 23, 2026 Stopped at the Bank Door? CIP Compliance is the Gate! (Here's How to Pass)
    SHOW NOTES TITLE: Stopped at the Bank Door? CIP Compliance is the Gate! (Here's How to Pass) Get my free Business Credit Starter Kit: https://fsbonly.com EPISODE SUMMARY: Banks are legally required to verify who’s opening accounts under the USA PATRIOT Act’s Customer Identification Program (CIP). For small business owners, CIP friction doesn’t feel like a “denial”—it shows up as delays, manual reviews, account…
  43. Feb 19, 2026 Funding Readiness Reality Check: One Bureau Won’t Get You Funded—Fix All 3 Business Credit Reports Fast (D&B, Experian, Equifax)
    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…
  44. Feb 16, 2026 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 ESOP to Buy Out Your Shares (ft. Matt Middendorp) Is your business lender-ready ? Get my free Business Credit Starter Kit at https://fsbonly.comEpisode Summary If 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…
  45. Feb 12, 2026 Funding Readiness Reality Check: DUNS Number ~ When You Need It and When You Don't
    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…
  46. Feb 9, 2026 Financial Clarity for Solopreneurs Who Wear Every Hat (Stop Cash-Flow Chaos)
    If you’re a solopreneur juggling sales, operations, and bills, your cash flow problems usually aren’t a “business finance” issue—they’re an owner finance system issue. In this episode of Small Business Credit Minute w/ S.E. Day™, S.E. Day and guest Tess Crenshaw break down the simple personal finance habits that directly improve business cash flow, profit planning, clean bookkeeping, and fundability. You’ll learn…
  47. Feb 5, 2026 Funding Readiness Reality Check: EIN isn't Enough ~ What Actually Creates Business Identity and Make Your Fundable?
    EIN Isn’t Enough: What Actually Creates Business Identity? Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary Most business owners believe an EIN, an LLC, and a bank account equals “legit.” Lenders disagree. In this episode of Small Business Credit Minute w/ S.E. Day™, you’ll learn why banks don’t fund paperwork—they fund verifiable business identity. We break down the three layers…
  48. Feb 2, 2026 Are Your Communications Costing Your Money~And Can AI Fix It Without Killing Your Voice?
    Get my free Business Credit Starter Kit at https://fsbonly.comAIDA Show Notes Attention Are you losing deals, getting ghosted, or eating refunds—because your communication is unclear, inconsistent, or too slow? Interest Most SBOs assume they have a marketing or sales issue when the real leak is communication: vague offers, messy follow-ups, inconsistent messaging across channels, and no repeatable internal process.…
  49. Jan 29, 2026 Funding Readiness Reality Check: Your Business Bank Account Can Kill Your Funding Approvals
    Get my free Business Credit Starter Kit HERE Episode Summary (SEO + Conversion) Most funding denials don’t happen because your business “isn’t making money.” They happen because your bank statements show risk—commingling, overdrafts, unstable cash flow, inconsistent deposits, and low average daily balances. In this episode of Small Business Credit Minute w/ S.E. Day™, you’ll learn how underwriters evaluate banking…
  50. Jan 26, 2026 Your Business Isn't Broke~Your Financial Planning Is (Fix Cash Flow, Lock Profit, and Get Lender-Ready)
    Are You Planning Your Business Money—or Just Hoping It Works Out? Get my free Business Credit Starter Kit at HERE Episode Summary If your business cash flow feels unpredictable, your profit feels “random,” and you’re not confident you could walk into a lender meeting with clean answers—this episode is for you. In this 20-minute conversation, S.E. Day sits down with Randall Avery of Deasil Wealth Mmanagement to…
  51. Jan 25, 2026 Funding Readiness Reality Check: Unverifiable Business File Gets You Denied~Fix Your Lender-Readability Fast
    Get my free Business Credit Starter Kit HERE Episode Summary Most denials aren’t caused by “not enough revenue.” They happen because your business can’t be verified cleanly across the systems underwriting relies on. In this Funding Readiness Reality Check, S.E. Day breaks down the #1 hidden fundability blocker—identity mismatches and documentation friction—and gives you a fast audit to correct it before you apply…
  52. Jan 19, 2026 Ransomware Survival for Small Business: The Recovery-First Cybersecurity Playbook (Backups, MFA, Zero Trust)
    Ransomware Survival for Small Business: The Recovery-First Cybersecurity Playbook (Backups, MFA, Zero Trust) Get my free Business Credit Starter Kit here at FSBO website Free Digital Book (Bonus Resource): Download your free copy of Don’t Be the Weakest Link: How to Protect Your Personal Information in a Digital World here: Download the book Guest: Shayne Kawalilak Core Question: If ransomware hit your business…
  53. Jan 16, 2026 Funding Readiness Reality Check: Are You Building Business Credit or Just Collecting Denials?(One simple fix can improve your chances)
    Are You Building Business Credit—or Just Collecting Denials? Is your business lender-ready ? (Click Here) Take the quiz to see if you are ready to qualify and apply or need additional steps.Get my free Business Credit Starter Kit at https://fsbonly.com. Are you truly building business credit—or are you collecting denials, stacking hard inquiries, and calling it “trying”? Many business owners get denied not because…
  54. Jan 8, 2026 Will Your Business Spend Smarter and Borrow Better in 2026? Improve your chances for better business credit and loans.
    In 2026, small business money decisions won’t be won by hustle—they’ll be won by strategy. In this episode of Small Business Credit Minute w/ S.E. Day™, you’ll get a clear financial forecast built for U.S. small business owners who want to spend smarter, choose the right forms of credit, and access funding without wasting applications. We break down what’s changing in small business spending, which forms of credit…
  55. Dec 31, 2025 Do you know what T.P.E.B.V. Factors mean for your credit? Lenders use it to qualify you for business credit, business loans and more.
    What’s in a Credit Score—and What Does It Mean? (Show Notes) Is your business lender-ready ? (Click Here) Take the quiz to see if you are ready to qualify and apply or need additional steps. Episode Summary Your credit score isn’t a mystery number—it’s a risk signal lenders use to decide approvals, pricing, and limits. In this episode, S.E. Day™ breaks down what’s inside a credit score, what it actually means, and…
  56. Dec 22, 2025 What the One Big Beautiful Bill means for Small Business Taxes? (And business credit, business loans, and business credit cards)
    What the Big Beautiful Bill Means for Small Business Taxes Guest: Tanika Washington, MBA, EA Is your business lender-ready ? (Click Here) Take the quiz to see if you are ready to qualify and apply or need additional steps. Episode Summary In this episode of Small Business Credit Minute w/ S.E. Day™, we break down the new tax changes impacting small businesses under the One Big Beautiful Bill Act. Joined by tax…
  57. Dec 15, 2025 Are you legally complaint with AI usage and the products you produce? (Your ability to get business credit could suffer)
    📌 Episode Title The Legal Lifeline: Why Every Business Needs Legal Guidance from Start to Exit Is your business lender-ready ? (Click Here) Take the quiz to see if you are ready to qualify and apply or need additional steps. 🎯 Attention Are hidden legal mistakes quietly blocking your access to funding, contracts, and long-term business success? 🔍 Interest Many business owners focus on revenue and marketing but…
  58. Dec 9, 2025 Are you AI integrated? (You ability to get business funding can improve if you are integrated)
    Are you AI integrated? If not, why? This episode explores practical AI integration strategies with Maia Tucker, an AI Integrations Specialist and Legal Analyst. Maia (@financiallyuchicwomen) breaks down how small businesses can streamline operations, reduce costs, and scale intelligently using today’s most effective AI tools. 🎙️ Are You AI Integrated? If Not, Why? Is your business lender-ready ? (Click Here) Take…
  59. Nov 10, 2025 Why every business needs a professionally designed website? (Your credibility and your ability to get business credit could be affected)
    Today’s topic hits every business owner squarely in the middle of their growth goals — the importance of having a professionally designed website. Whether you’re selling products, offering services, or building your brand credibility, your website is your digital storefront. Listen in as J. Jaffri of DesignHub360 explains why having a functional and professional built website can increase your business foot print.…
  60. Nov 3, 2025 Are You Effectively Using Data Analytics and SEO to Grow Your Business? (What you don’t know could be killing your business)
    Are You Effectively Using Data Analytics and SEO to Grow Your Business? Join me as I interview Claudius Taylor, CEO of Gambix, "AI that tuned your website traffic into paying customers." 🎙️ Data-Driven Growth: How to Use Analytics and SEO to Scale Your Business Is your business lender-ready ? (Click Here) Take the quiz to see if you are ready to qualify and apply or need additional steps. Get my free Business…
  61. Oct 6, 2025 Are business accelerators worth it for Small Business Owners Seeking Investors? (The vetting process might reveal gaps in your credibility)
    🎙️ Are Business Accelerators Effective for Small Business Owners Seeking Investors? Is your business lender-ready ? (Click Here) Take the quiz to see if you are ready to qualify and apply or need additional steps. Attention Are business accelerators a fast track to investors—or an expensive distraction that costs you equity without real results? Interest Many small business owners join accelerators hoping to gain…
  62. Sep 24, 2025 Do you have a relationship with your banker? (It could mean the difference of get business credit or getting denied)
    Build the Banker Relationship Before You Need the Money Why Local Bankers Decide Who Gets Approved—and Who Gets Ignored Is your business lender-ready ? (Click Here) Take the quiz to see if you are ready to qualify and apply—or if you’re quietly disqualifying yourself. 👉 Get my free Business Credit Starter Kit at FSBO Website Episode Summary Most small business owners treat banks like vending machines—insert…
  63. Sep 16, 2025 Is Your Personal Credit Portrait Beautiful...or Ugly? (A beautiful credit score can increase your borrowing ability by 1000%))
    🎙️ Is Your Personal Credit Portrait Beautiful or Ugly? Is your business lender-ready ? (Click Here) Take the quiz to see if you are ready to qualify and apply or need additional steps. Get my free Business Credit Starter Kit at https://fsbonly.com Attention When lenders review your credit profile today, are they seeing a masterpiece—or a financial mess? Interest Your personal credit report is one of the first…
  64. Sep 8, 2025 Business Credit Isn’t Optional—It’s the Approval Code Your Business Is Missing (Stop Getting Denied & Start Getting Funded)
    Business Credit Isn’t Optional—It’s the Approval Code Your Business Is Missing (Stop Getting Denied & Start Getting Funded) Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary If you’re relying on personal credit to finance your business, you’re operating with a ceiling you didn’t choose. In this episode of Small Business Credit Minute w/ S.E. Day™, you’ll learn why business credit…
  65. Aug 28, 2025 Do you need business credit?
    Is business credit a need or want when operating a business? Let's break down the Pros and Cons of having or not having business credit. You might be surprised! 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,…
  66. Jul 15, 2025 What is the Small Business Credit Survival Boot Camp?
    For months I have talked about the Small Business Credit Survival Boot Camp? Tune in to know exactly what it is and how it can benefit your small business. 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…
  67. Jul 7, 2025 Trade Lines: The Funding Receipts Your Business Is Missing (Build Business Credit Faster—or Keep Getting Denied)
    Trade Lines: The Funding Receipts Your Business Is Missing (Build Business Credit Faster—or Keep Getting Denied) Get my free Business Credit Starter Kit at FSBO Website Episode Summary (SEO + Conversion) Most business owners think they’re “building business credit” because they opened a few accounts. But if you can’t name your trade lines and prove where they report, you’re not building credit—you’re building…
  68. Jun 11, 2025 Two Sets of Books? That’s Not “Smart”—That’s Self-Sabotage (How It Destroys Funding, Banking, and Your Exit)
    Two Sets of Books? That’s Not “Smart”—That’s Self-Sabotage (How It Destroys Funding, Banking, and Your Exit) Is your business lender-ready ? (Click Here) Take the quiz to see if you are ready to qualify and apply or need additional steps. Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary (SEO + Conversion) If you’re keeping two sets of financial books—one for taxes and one for “real…
  69. Jun 3, 2025 Business Credit “Experience” Doesn’t Matter If You Keep Getting Denied (Stop Guessing. Start Getting Approved.)
    Business Credit “Experience” Doesn’t Matter If You Keep Getting Denied (Stop Guessing. Start Getting Approved.) Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary Most business owners think “time spent” equals “experience” in building business credit—until they rack up denials, inquiries, and low limits. In this episode of Small Business Credit Minute w/ S.E. Day™, you’ll learn what…
  70. May 27, 2025 Is Your Company Corporate Credit Ready? Part Two
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  71. May 19, 2025 Is Your Company Corporate Credit Ready? Part One
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  72. May 13, 2025 Financially Illiterate Businesses Get Denied (Fix Your Money System Before You Apply)
    Financially Illiterate Businesses Get Denied (Fix Your Money System Before You Apply) Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary (SEO + Conversion) Most small business owners don’t get denied because they “don’t deserve funding.” They get denied because their business shows weak financial controls—commingled money, unpredictable owner pay, no cash buffer, and messy bookkeeping.…
  73. May 5, 2025 Stop Ignoring the Corporate Transparency Act: One Wrong Assumption Can Cost You Credibility, Contracts, and Funding
    Stop Ignoring the Corporate Transparency Act: One Wrong Assumption Can Cost You Credibility, Contracts, and Funding Is your business lender-ready ? (Click Here) Take the quiz to see if you are ready to qualify and apply or need additional steps. Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary (SEO + Conversion) The Corporate Transparency Act (CTA) and Beneficial Ownership Information…
  74. Apr 27, 2025 Your Business Is Paying the Tariff Tax—Not China (Here’s How to Fight Back)
    Tariff Shock: Stop Letting Import Taxes Destroy Your Margins (A Small Business Survival Playbook) Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary Tariffs can raise your landed costs fast—crushing margins, trapping cash in inventory, and forcing bad pricing decisions that make your business look unstable to lenders. In this episode of Small Business Credit Minute w/ S.E. Day™, you’ll…
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