Get my free Business Credit Starter Kit https://fsbonly.com 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 patterns, what triggers silent denial flags, and the one weekly banking correction that can quickly improve your fundability profile—without needing to increase revenue first. AIDA Attention: If a lender reviewed your last 90 days of bank statements today, would they approve you—or quietly decline you?Interest: Lenders trust bank statements more than your claims, your brand, or your intentions—because statements reveal cash discipline, stability, and separation.Desire: - Identify the banking patterns underwriters score as “high-risk,” even when revenue is strong - Fix commingling, overdraft signals, and unstable deposit behavior that triggers silent denials - Apply a simple weekly rule that improves your approval posture fastAction: Press play and then download the free Business Credit Starter Kit at https://fsbonly.com to start building lender-ready strength the right way. What You’ll Learn - Why lenders lend to patterns—not just revenue totals - The most common bank statement red flags (and how they show up) - How commingling destroys underwriting confidence - Why overdrafts/NSF activity can override strong revenue months - How average daily balance affects approvals more than most owners realize - The “keep money longer” fix that improves your banking story quickly ACTION STEP (One correction you implement this week) Here’s your fix for this week—and it’s simple, but powerful: ✅ Keep money in the account longer and make your outflows predictable. Do this starting immediately: - Stop draining the account weekly. Create a buffer target (even if it’s small at first). - Set a fixed owner pay day (example: twice per month) instead of random transfers. - Reduce cash withdrawals and replace them with categorized, documented payments. - Clean up transfers: label them clearly, separate personal from business, and avoid “mystery memos.” - Commit to a minimum balance rule: a floor you do not cross unless it’s a true emergency. SEO Keywords business bank statements, funding approval, business funding denial reasons, commingling personal and business, average daily balance, overdraft NSF, fundability readiness, business banking readiness, lender underwriting signals, cash flow stability, business credit approval

Are You Planning Your Business Money—or Just Hoping It Works Out? Get my free Business Credit Starter Kit at https://fsbonly.com 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 break down business financial planning in plain English: how to forecast cash, plan profit on purpose, and tighten the financial signals lenders look for. You’ll learn the simple frameworks business owners use to stop guessing, reduce money stress, and operate like a bankable business.AIDA (High-Converting) Attention: If your business got reviewed by a lender tomorrow, would your numbers prove you’re in control—or expose chaos? Interest :Most small businesses don’t fail from lack of effort—they fail from weak planning: unclear cash timing, thin margins, surprise tax bills, and financial decisions made too late. This episode shows you how to build a simple planning system that supports profit, protects cash, and improves fundability. Desire (3 Listener Benefits): - Build a simple cash planning method that helps you see problems before they hit your bank account - Learn how to set profit targets and reverse-engineer your numbers so profit stops being an accident - Understand the financial behaviors and documents lenders expect to see from a “stable, repayable” business Action (One-Sentence CTA to Play):Press play to get a practical financial planning framework you can implement this week to strengthen cash flow, profit discipline, and lender readiness. What You’ll Learn in This Episode - What business financial planning actually is (and why most owners get it wrong) - How planning directly impacts approvals, terms, and lender confidence - The “4 numbers” to track weekly to stay in control - Why a 13-week cash flow forecast is the simplest tool that actually gets used - Payroll planning mistakes that quietly crush cash - How much reserve cash to target and why it changes everything - Profit planning: how to stop operating off “whatever is left” - Tax discipline that prevents emergency borrowing - Smart debt vs. dangerous debt: when financing helps and when it harms - The lender-ready documentation checklist and what your bank statements communicate Guest Randall Avery, CFP /Deasil Wealth Management — Business financial planning guest expert (cash flow, profit planning, and operating discipline). I’ve attached Randall’s social media links below for easy reference. - LinkedIn: https://www.linkedin.com/in/randallavery/ - Instagram: https://www.instagram.com/rsadeasil50/ - Facebook: https://www.facebook.com/randall.avery.7 - YouTube: https://www.youtube.com/@Deasilwm Episode Keywords (SEO) business financial planning, small business cash flow forecast, 13-week cash flow forecast, profit planning for small business, small business budgeting, small business reserves, lender readiness, business fundability, underwriting signals, business bank statements, margin improvement, accounts receivable management, payroll planning, tax planning for small business

Get my free Business Credit Starter Kit https://fsbonly.com 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 again. Cleaner file equals faster approvals, stronger limits, and fewer wasted applications. Attention: If a lender pulled your file today, would your business verify in minutes—or trigger questions and risk flags? Interest: Underwriters don’t guess. They verify. If your name, address, banking, and listings don’t match, you create friction that leads to declines or weak approvals.Desire (3 benefits): - Spot the exact “mismatch patterns” that trigger auto-declines - Learn how underwriting cross-checks your business identity across systems - Walk away with a 30-minute Identity Match Audit to fix fundability before you applyAction: Press play to find the #1 hidden fundability blocker and the quickest fix to become lender-readable. What You’ll Learn - What “fundable” means in underwriting terms - The most common mismatches that kill approvals - The Underwriting Friction Test (5 questions) - Fundability Fix in 60 Seconds you can implement this week - A 30-minute Business Identity Match Audit before your next application SEO Keywords business fundability, lender-ready, underwriting verification, business identity mismatch, business credit approvals, business credit cards, small business loan approval, business bank account name mismatch, business compliance, fundability checklist, qualify first apply second, lender readability

The #1 Reason Your Business Isn’t Fundable Yet (And You Don’t Know It)  Get my free Business Credit Starter Kit at https://fsbonly.com Episode Summary (SEO + Conversion) Most business owners assume they’re getting denied because they don’t have enough revenue—or because lenders are “tight.” The real issue is often simpler: your business can’t be verified cleanly across the systems underwriting uses. In this episode of Small Business Credit Minute w/ S.E. Day™, you’ll learn the #1 hidden fundability killer—identity and documentation mismatches—and how to fix them before you apply again. If you want higher approvals, stronger limits, and fewer hard-inquiry regrets, this credit minute gives you the clean, lender-readable path. What You’ll Learn (Key Takeaways) - The real definition of “fundable” through an underwriter’s lens - Why mismatched business identity details trigger declines (even with revenue) - The Underwriting Friction Test: 5 questions to spot what’s blocking approvals - A 30-minute Business Identity Match Audit you can run today Who This Episode Is For  - New and growing businesses getting denied for loans or business credit cards - Owners with revenue who still can’t get decent limits - Anyone who’s tired of “try and see” applications and wants an approval-driven system AIDA (Required Format)  Attention (Hook Question): If a lender pulled your file today, would your business verify in minutes—or create questions and risk? Interest (Problem + Desired Outcome): Most denials aren’t about effort or revenue—they’re about underwriting friction. This episode shows you how to remove verification gaps so lenders can confidently say “yes.” Desire (3 Listener Benefits): - Identify the exact mismatches that silently trigger auto-declines - Understand how underwriting systems verify your business identity and legitimacy - Walk away with a fast checklist to become lender-readable before your next application Action (Play CTA — one sentence, no extra CTAs): Press play to learn the #1 hidden fundability blocker and the 30-minute audit that can unlock approvals faster. SEO Keywords  business fundability, lender-ready business, underwriting verification, business credit approvals, business identity mismatch, business compliance, business credit building, EIN and business banking, business credit cards approvals, small business loans, fundability checklist, qualify first apply second If you want, I can also convert this into a tighter “high-energy” 10-minute read (fewer pauses, denser phrasing) or expand it into a 12–15 minute version with real-world denial examples and a “fix order” checklist.

Are You Ready to Survive Ransomware—or Will It Shut You Down? Get my free Business Credit Starter Kit at https://fsbonly.com  Free Resource for This Episode Download your free digital copy of Don’t Be the Weakest Link: How to Protect Your Personal Information in a Digital World here: http://fsbonly.redflag.com/ Episode Topic Question If ransomware hit your business tomorrow, would you recover fast—or never recover at all? Guest: Shayne Kawalilak (Cybersecurity Resilience Expert)  Attention If ransomware encrypted your systems tonight, do you have proof you could restore your business fast—without paying to “hope” you get your data back? Interest Ransomware is no longer just a technical incident—it’s a business survival event that can crush revenue, interrupt payroll, delay receivables, and damage the “operational stability” lenders expect. This episode breaks down the fundamentals that drive fast recovery—backups, employee training, access controls, and patching—plus modern strategies like Zero Trust and AI-assisted security tooling. Desire After this episode, you’ll be able to: - Spot the biggest difference between companies that recover quickly and those that never recover. - Implement three survival habits that materially reduce ransomware downtime and impact. - Take an immediate first step today to harden your business before an incident forces the lesson. Action  Press play now to get a ransomware survival playbook you can implement this week to protect operations, cash flow, and credibility. What You’ll Learn in This Episode  - Why the phrase “we have backups” is meaningless without tested restores - The top 3 habits that increase ransomware survivability: - Backup resilience + restore drills - Identity protection (MFA + least privilege) - Patch discipline + endpoint hygiene - The most serious ransomware risks today beyond ransom payments: - Data theft and extortion - Operational downtime and recovery complexity - Legal/regulatory exposure and reputational damage - The single best first move you can make today to increase recovery odds immediately Key Takeaways  - Recoveries are engineered. Fast-recovery companies have tested backups and practiced response roles. - MFA is a frontline control. Many ransomware events begin with stolen credentials—especially email. - Backups must be ransomware-resistant. Offline/immutable backups help prevent total lockout. - Patching is not optional. Attackers exploit known vulnerabilities because it’s efficient and repeatable. - Ransomware is often extortion-first. Encryption is the pressure tactic—data theft is the leverage. Practical “Do This This Week” Checklist  - Enable MFA on email, admin portals, payroll, banking, and remote access - Run one restore test on a critical dataset/system (time it, verify it works, document steps) - Enforce least privilege and remove daily admin rights - Establish a weekly patch window (automate updates where possible) - Train employees to Pause. Verify. Report. (phishing + invoice fraud) Keywords  ransomware, cyber resilience, cybersecurity fundamentals, data backups, immutable backups, restore testing, incident response, business continuity, MFA, access controls, least privilege, patch management, endpoint security, phishing training, Zero Trust, AI security tools, operational risk, compliance, cash flow protection, business credit, business loans, business credit cards, funding, lender-ready Disclaimer:  This episode is educational and does not constitute legal, financial, or cybersecurity consulting advice. Consult qualified professionals for guidance tailored to your specific environment.

Are You Building Business Credit—or Just Collecting Denials?https://form.typeform.com/to/Nq303gJp#first_name=xxxxx&last_name=xxxxx&email=xxxxx? (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 they’re “bad,” but because their business isn’t structured to be approved. In this episode, S.E. Day breaks down how lenders actually evaluate applications and why applying before you’re qualified can create a risky “paper trail.” You’ll learn how to stop chasing approvals and start building a fundable business profile that attracts better funding outcomes. In this episode, you’ll walk away with: - The real reasons businesses get denied even with “decent” personal credit - The difference between building business credit and chasing credit - The 3 pillars lenders evaluate—Business Credit, Cash Flow, and Compliance—and how one weak pillar can trigger a denial - A simple action step to identify your weakest pillar and begin fixing it today Episode Breakdown 1) Denial Is Data. A denial is not personal—it’s underwriting. Learn how to treat denials as information and identify what lenders didn’t see. 2) The 3 Pillars of ApprovalMost owners focus only on credit, but lenders evaluate a full risk profile: - Business Credit: reporting tradelines + payment performance - Cash Flow: bank deposits, balances, stability, and affordability - Compliance: legitimacy, consistency, verifiability, and risk signals 3) Building Credit vs. Chasing CreditUnderstand why random applications, “funding hacks,” and non-reporting accounts create setbacks—and what a real build plan looks like. 4) One Action Step to Take TodayStop applying until you can clearly identify your weakest pillar (credit, cash flow, or compliance). Then tighten that pillar before the next application. Keywords (SEO) business credit, building business credit, business funding, business loans, business credit cards, lender-ready, fundability, credit denials, hard inquiries, underwriting, approvals, credit profile, business credit profile, business tradelines, vendor accounts, net 30 accounts, business bank statements, cash flow management, compliance, business compliance, entity structure, business legitimacy, business verification, business risk signals, credit building strategy, qualify first apply second, small business funding strategy, business credit education, FSBO, Small Business Credit Minute, S.E. Day

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I am providing you with a 2026 financial forecast built specifically for small business owners in the U.S. and providing four things that decide whether you grow or stall this year. If you want to become lender-ready, stop wasting applications, and build bankable strengths the right way! Qualify First. Apply Second. Let's get you funded!

Your credit score is the Headline, but your credit report is the Story! There five factors affecting your credit score everyday! You can control the outcome to a better Headline, if you know the insider secrets to create a better Story. Get your credit right in 2026!

As we wrap 2025, the recently passed One Big Beautiful Bill has some serious implications for the small business community. Join me as I have a conversation with Ms. Tanika Washington of https://www.ayannafinancials.com. Ms. Washington is one of the sharpest small business tax strategists in the country. She breaks down the Pros and Cons of the OBBB.

YouTube video by SE Day

Using Artificial Intelligence or AI in your business without legal advice can cost you everything if used incorrectly. Listen in and learn from Attorney Michael McCready of the https://mccreadylaw.com based in Chicago, Illinois on how to stay complaint with current and changing AI policies.

YouTube video by S.E. Day

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. A clear, actionable conversation designed to help entrepreneurs modernize and compete.