Steve Trang interviews Patrick Pichinski from Stacking Capital about why 99% of businesses get denied for business credit and how to become bankable. Patrick shares his journey from metal recycling to business credit consulting, explains the difference between personal and business credit, and outlines his four-pillar framework for making businesses bankable to access real bank financing.
Avoid funding companies that add personal credit cards to your profile - they should focus on business credit cards that don't report to personal credit
Business compliance is crucial for bankability: use a commercial address, professional website, business phone number, and avoid high-risk business names
Business credit requires stricter payment discipline - paying early is considered on time, while paying on time is subpar for building business credit scores
1:55:06Josh Stech, founder of LendingHome and Sundae, shares how he built a billion-dollar real estate lending company in just five years, scaling to 14% market share. He discusses the venture capital playbook, hiring at scale, maintaining culture with 500+ employees, and his transition to solving the property sourcing problem for investors through Sundae's marketplace model.
1:47:49Tommy Mello, founder of A1 Garage Door Service, shares his journey from massive debt to building a billion-dollar company. He discusses critical business lessons including the importance of systems, hiring for attitude over experience, and how he scaled from a local garage door business to a nationwide operation that sold for $570 million.
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The four pillars of becoming bankable are: good financials, business credit scores, comparable credit limits, and proper business compliance
Never put 'self-employed' on credit applications - put 'employed' even if it's by your own company to improve approval odds
”“Had I known about business credit, I would have just gotten a $20,000 credit card, and then, you know, we're looking at maybe a $200 payment a month and a get out of jail free card.”
”“Banks wanna lend to people that don't need money.”
”“If you're the 1% of businesses out there, you won't have to go looking for capital. Those banks are gonna come knocking on your door.”
”“With business credit, one day late and you're late. So with business credit, you almost wanna think of paying early is on time, and then paying on time is subpar.”
19476 words
Patrick Pichinski: Basically, they got a governor's warrant from Virginia to basically have North Carolina detain me. I was living in North Carolina at the time. To detain me, hold me in jail with no bond, and I was there for twenty nine days, basically, just for that little thing right there. They had me sign an agreement and in one of those little small texts it said something about if they asked for the funds within twenty four hours and I cannot produce it, it would be deemed a felony embezzler. Sure enough, commodities start dropping and everything, kinda open up the can of worms.
I call him and I tell him, hey, right now if you were to ask for the money, I can't because I'm currently selling equipment, I'm downsizing, and I was gonna be fine, but that ended up happening where they end up calling it. Now it's deemed a felony and the reason I say like, had I known about business credit, I would've just gotten a $20,000 credit card, and then, you know, we're looking at maybe
Steve Trang: a $200 payment a month Yeah.
Patrick: And a get out of jail free card. You know?
Steve: Welcome, and thank you for joining us for today's episode of disruptors where millionaires are made. Today, we have Patrick Pichinski with Stacking Capital, and Patrick flew in from Fort Lauderdale to talk about why 99% of businesses aren't bankable and deny for business credit. Now, guys, I'm gonna mention create a 100 millionaires. The information on this show alone is enough to help you become a millionaire in the next five to seven years. If you take consistent action, you'll become one.
Before we jump in, if you're here to learn how real entrepreneurs built real empires, hit that subscribe button, because every week, we drop lessons that can create your first or next million dollars. Ready?
Patrick: Yes, sir.
Steve: Alright. So first question is, what got you in the business?
Patrick: Sure. And, Steve, before I begin, I just wanna tell your viewers, if you haven't already, take a moment to like his show. You've got great content, and I'm sure that you have helped a lot of people Yeah. On their way to become millionaires. So if you haven't already, give them a five star review.
Give them a like. And the question is, what got me into this business? What
Steve: got you in the business?
Patrick: Got it. So let's rewind to twenty twenty pandemic times. Yeah. There's some people that know about our app called Clubhouse.
Steve: It's really hot for a little bit.
Patrick: It's still around. Right? But again yeah. Right? It it's still around, but it's not like it was back then.
Back then, you needed to know somebody that knew somebody to get in there. And back then, I was just a fly on the wall. And there were people like Tai Lopez, Grant Cardone, all these big people. And, in one of those rooms, they started talking about corporate credit. It it definitely interested me because I, at one point, had a a business that was doing $2,000,000 in revenue Mhmm.
And I not once not once did I ever think about or tap into business credit. And I was in a metal recycling industry, so that's, an industry with a lot of giants. And I always wonder, like, how are they able to get the capital to buy scales, equipment, fresh trucks, and all this stuff.
Steve: And I
Patrick: was a young kid at the time, so I didn't really understand it back then. But turns out, they were using other people's money, the bank's money. Gotcha. Yeah. Fast forward, went down a deep rabbit hole, started buying courses, started listening to the wrong people, started People you found in Clubhouse?
Yeah. Actually, yeah. Yeah. Long story. Clubhouse, Facebook, funding gurus online that are mainly marketers.
And, essentially, what happened was, it ended up delaying my ability to get business funding because they pretty much, yeah, they went they used my credit profile, opened up a bunch of new trade lines or accounts on the personal side, which then kinda delayed the ability for me to get business funding, for, like, another year or so. But in that in that interim was when I started to learn a lot Mhmm. Help friends and family for free. And it was when, my I reconnected with a friend from high school Mhmm. That was working with an ecommerce company out of Miami.
They, they had hired me to pretty much help them get their clients funded so that they could scale their ecommerce stores. But what I thought was very, interesting about that was that they had also bought a $10,000 course on funding, and they had their own credit department. But even with all of that, they were still contracting me out to get their clients funded. And that's when I realized that these $10,000 courses, this help that's out there, it's not enough for people. They're still stuck.
And, sometimes they just need that one to one hand holding Yeah. Accountability and, yeah, and that guidance to take them all the way through to where to Got it. To what they need.
Steve: So you had some bad experiences. So you're on Clubhouse. You find you find out about this other world, and then you bought some stuff and it didn't work. What were some things that you bought? Some things I guess not specifically what you bought, but concepts that you paid for
Patrick: Mhmm.
Steve: That did not work out.
Patrick: Yeah. Great question because this is stuff that you still see out there a lot. Right? So, courses with just outdated information. So it's about two years old, too late, won't work anymore.
Then, when I got into actually, like, paying for services, like I said, I wanted business funding. And then when, we're done with the round of funding, all of a sudden, I'm finding out I have five new credit cards on my personal credit profile. So this wasn't business funding. And if I did want business funding after that, because I added so many new accounts on my personal credit profile, the algorithm will pick that up as almost like credit seeking. So banks don't wanna be the second, third, much less fifth, sixth, or seventh person in line.
So that just ended up sort of delaying my ability to get funding. I didn't have a bad credit score. I just didn't do it in the right order, and that was because of the advice, yeah, the wrong people that I that I chose to hire, to help me get funding.
Steve: Yeah. Was it basically they just asked you to get a bunch of personal credit cards? Or
Patrick: They did it for me. Yeah. Mhmm. So they they went for around a bit, personal credit cards.
Steve: Them, like, all your contact info. And it was kinda like a done for you type of service. Exactly.
Patrick: And the thing is I still see this a lot today, and, I see much worse scenarios out there as well too. There like, for example, this one never even turned into a client. There was just nothing I could do for him. It was too late. But the previous funding company had added 10 new accounts to their personal credit profile.
Mhmm. And on top of that, they made him get an MCA loan for his business. And I'm not sure if you or your viewers know what that is, but that is the equivalent to a payday loan on the on the consumer side. So it's MCA stands for merchant cash advance
Steve: Mhmm.
Patrick: Loan. It's often short very short repayment terms Mhmm. And oftentimes daily payments
Steve: Mhmm.
Patrick: Terms as well. And the interest rates on them are so high that they can't even call it an interest rate. They call it a factor rate. Yeah. So it's anywhere between 1.25 all the way up to, like, 1.69, I've seen.
So that would mean if it's 1.69, that would mean it's a 69% interest. And it's not APR because a lot of times, it's just like a six month term. Mhmm. So So they made him get an MCA loan with a short repayment term, daily payments, and 10 new accounts on his personal profile. There was nothing that I could do at that point to help him out.
And if you can imagine the pressure that that added to him of having to make daily payments now, They he was in a worse situation than he, than before he even met this funding company. And that happens so many times, out there.
Steve: Why does that happen? I mean, it might sound like a really dumb question, but why does that happen?
Patrick: No. No. That's a great question. It's, so a lot of these guys, are marketers.
Steve: Mhmm.
Patrick: So that's that's I think what it's boiling down to is a lot of the guys that have a lot of followers or a lot of the reels oftentimes talking about these credit hacks that go viral are simply wrong or or or not all the way true. Right? So they I I'd like to say that most of them just don't know. And then there's a good percentage of them that just want money. So for example, there's another story of, client.
He, he had a funding company pretty much go and get him, it was three new personal accounts. Right? And then they got, two Amex cards, but they were $2,000 limits. It's like, what is he gonna do with that? Right?
And because they're getting paid on the back end, you know, for them, they didn't care to go for that second approval Mhmm. Even though they knew it was gonna be another low limit approval because they just doubled their commission on it. Yeah. And then after that, the funding company ghosted him. Mhmm.
There was no plan afterwards. And that's one of the things that make us a little bit different from the others. Like, we specialize in helping people get anywhere between 50 to $150,000 of 0% interest business credit, but we understand it's short term capital. This is anywhere between nine to eighteen months of 0% interest. Yeah.
It can be repeated through, like, a balance transfer strategy.
Steve: Mhmm.
Patrick: But we also wanna make you aware that this is short term capital. We wanna make sure that you have a plan and an end game in mind. And if you have a business, what we ultimately wanna do is make you bankable. Mhmm. So what that means is basically having your business stand on its own four legs to be able to unlock real bank term financing, such as, like, SBA with longer terms.
We'll get
Steve: that we'll get that later on. Mhmm. So, so you went and signed up for this program. Didn't work because they were giving you personal loans. And then you would decide to go off on your own.
So do you decide then to just become, I mean, you're doing it for free for friends and family, and then you did it for a friend as a consultant. So is this like you were doing metal recycling. Like, did you stop all the metal recycling at this point?
Patrick: Oh, well, so there's a little bit, a gap in there. Right? So I was doing metal recycling up until maybe 2017. Commodities just crashed, platinum, palladium, all that stuff. And expenses are the same.
And I'm not working off capital credit, working capital, or anything. It's all just cash. So it's like, you know, when the commodities were hot, there was a lot of money coming in and money was great. It was I I would I joke about it, but I'm like, it was literally like drug money. It was so much money.
But when the commodities dropped, the overhead was the same. I didn't know anything about credit, so I had to downsize. And, and and then shortly after, basically, I pivoted that was, a moment I started listening to Bob Proctor. I started listening to, Tony Robbins. Awaken the Giant Within was that that book that sort of woke me up and, I just wanted out of that industry.
I actually ended up in jail, from that industry, being in that industry. Again, I was young. We could get into that story too because it's kind of ironic. Had I known about business credit, I would have never actually been in that master situation. So what what was the situation?
So long story short, it was a a metal recycling company out of Virginia. They had essentially extended me a $20,000 line of credit. So few months pass, I've already sent them truckloads, about 250,000 worth of business. And, like, three months later, they call and they're like, hey. You know, that 20,000 we wired you, we want you to come into Virginia maybe on the next truckload.
We want you to sign this agreement. So I'm, like, in my early twenties, naive. I go in there, you know, be it it been already three months since they wired me that money. They had me sign an agreement. And in one of those little, you know, small texts, it said something about if they ask for the funds within twenty four hours and I cannot produce it, it would be deemed a, a felony embezzlement.
So sure enough, commodities start dropping and everything. I kinda open up the can of worms. I call him, and I tell him, hey. Right now, if you were to ask for the money, I can't because I'm currently selling equipment. I'm downsizing.
I had two metal recycling yards, one in, in North Carolina, one in Charlotte, one outside of, the city of Charlotte. So I was downsizing, and I was just, gonna make it go back to how I started, which was just going to the actual scrap yards
Steve: Mhmm.
Patrick: To pick up the material. And I was gonna be fine, but that ended up happening where they end up calling it. Now it's deemed a felony. That yard, when they first started out, they weren't even able to operate outside of, the building. Mhmm.
It was such a small town in Virginia. Now they have a refinery there. They have they pretty much own that town. So, basically, they got a governor's warrant from Virginia to basically have North Carolina detain me. I was living in North Carolina at the time to detain me and, hold me in jail with no bond.
And I was there for twenty nine days, basically, just for that little thing right there. Mhmm. And the reason I say, like, had I known about business credit, I would have just gotten a $20,000 credit card. And then, you know, we're looking at maybe
Steve: a $200 payment a month
Patrick: Yeah. And a get out of jail free card. You know?
Steve: Yeah. But But he went straight to embezzlement.
Patrick: I mean, he just Yeah.
Steve: Well He just I mean, talk about, like, it was, like, a a bomb or whatever for swatting a fly. Like, a machine
Patrick: Oh, a 100%. And I I had hired a a a big like, an attorney out of a bigger city in Virginia. He even thought it was so weird, the fact that the prosecutor's even taking this case. There was, like, four other similar cases from him like that. It was just very weird.
And at the time, he had, said, you know, we can pretty much, like, fight this or, you know, like, whatever the verdict was. But in the meantime, that judge can still decide to keep you in jail while this is happening. And by then, I had already turned the page. I had already started, like, doing the freelance marketing. Mhmm.
I'd always since I was, like, 15, I was always kind of in into business, assembling computers, cutting people's hair for money, hooking up their network, stuff like that. Right?
Steve: So Always been a hustler.
Patrick: Yeah. Yeah. So it was just like a a natural thing. Right? So marketing is something I've always liked, always fascinated me.
Billy Jean, I don't know if you know him. He he was one of the first ones that, between him and Tai Lopez, the 67, steps or something like that, those were two good people, I would say, that got me into the SMMA, space. Mhmm. And I think it was really good because all of this collectively, I think is what, at some point, helped me sort of start this, offer and firm. Because, while I was doing that too, I was also asking for mentorship, and that's when I met, my best one of my good friends, Sam Sam Wiegert.
He, at the time, owned about seven martial arts schools. Mhmm. And I went to go work for him. And it was the best thing ever because, at the time, I wasn't sure if I wanted to work for somebody, but I just remember writing down in the middle reasons why I want to work there and reasons why I don't. And I just remember having only one reason for not wanting to work there, and that was freedom.
Right? But this was literally just me getting out of jail, and I was like, you know what? The least thing I need right now is freedom. I need to be around a good community, around a a good group of people that are gonna elevate me and and and just hold a high bar and standard. Right?
Best best thing I could have done. Because there, I feel like that prepared me for, like, the consultative sales process. The freelance marketing helped me get comfortable on those Zoom calls, which I remember like, if I think back to then, I I just I remember those they used to be scary. Yeah. But now it's like I could just get on a Zoom call and talk talk about my offer or whatever
Steve: Right.
Patrick: Forever. Right? So Okay.
Steve: So you got into marketing, and then somewhere along the way, martial arts instruction. Or or or was
Patrick: it So, yeah, I was freelancing, and I had a w two job. Because the the martial arts is in the evening time. And, it was great because, again, I just needed the entrepreneur life, especially when you're working from home, could be very lonely. So so I did that and it allowed me I've been doing martial arts since I was five. Mhmm.
It it was so cool because it allowed me to tap back into, like, a childhood passion and and at the same time be around a good group of people, have a mentor in my life, and, learn a lot of good skill sets as well.
Steve: Yeah. Probably I mean, I guess you joined the school after jail time, though. Probably been a little more helpful before jail time.
Patrick: Yeah. Was that the the martial arts program? Yeah. Oh, yeah. Right.
Well, no. To be honest with you, I mean, I don't know. Maybe it's my looks or something. But, it was funny because when I was in North Carolina, it was a country club compared to the two nights I spent in Virginia. Yeah.
They were almost like dorm rooms. And I'm telling you, the the roommate I had, it took me, like, a few days. But once I got my mindset right, I'm like, wait a minute. No. You know, like, I can start doing push ups.
I can start working out. I don't have to eat all the trash they give me. I can trade out for the protein and this and that. Oh, you can? Yeah.
Well, in in where I was Yeah. I noticed that, it was magnetic. I started to read the Tony Robbins book in there. He started to do the same things. Mhmm.
You know? So that wasn't so bad. It was more Virginia where I was only there for two nights. It was like a warehouse, and everybody's mixed in there. But I thought what was so funny about that is the second I'm walking in, the the Hispanic crew, spotted me out.
I'm like, yes. Because it's so funny. Like, with me, it really just depends who I'm next to and where I'm at. Mhmm. But some people might think I'm Italian, Greek, Mexican.
You just But in that instance, the Hispanic's claiming. I was like, I'm not gonna complain. Yeah. I love it.
Steve: That works. So alright. So then you start, when did you start getting business as a business credit, consultant?
Patrick: Mhmm. So that was, again, Clubhouse comes around Alright. Sends me down a deep rabbit hole. I start messing with my own stuff, buying courses. I start actually trying to get funding on my own.
You're pretty
Steve: good at yourself first.
Patrick: Mhmm.
Steve: Okay. So how is that how is that going?
Patrick: Well, I mean, it just I I kinda again, on myself, there was nothing I could do Mhmm. But continue to learn because after I had gotten those five new personal lines, there was nothing else I could do but wait, which was good enough. At the time, it was perfect because I started to get a little bit busy working on other people's profiles. So, like friends, family. At first, I really started with credit repair Mhmm.
Because I still wasn't a 100% confident in doing funding. But like I said, once I got the reps in and I started working with the ecommerce company, that that in itself just not only gave me the confidence, but made me realize, like, I need to be out there providing the service. Because you got people investing 10 k into a course, and they're still lost.
Steve: So what were what were you doing different that they couldn't figure out the ecom store or ecom company?
Patrick: Well, again, I think it's the one to one. That's the most important thing because, you know, most people it's a little bit hard when you have a course because even if, I've noticed this. For some people, they there's just a lot of confusion, a lot of steps. Right? Mhmm.
And for others, the steps could be right in front of them. They they can know what to do, but now they're afraid to mess up.
Steve: Mhmm.
Patrick: Or they're afraid. Yeah. They're just afraid. Right? So sometimes information.
Yeah. So sometimes all
Steve: the information, but they can't do it. Exactly.
Patrick: Yeah. And we've all been there, done that. Right? And and I understand it too because this stuff can be kinda scary, you know, and it's even more scarier when you're going with a funding company, you know, putting your trust into them, and they're pretty much doing things that are permanent to your filer
Steve: Yeah.
Patrick: Or can really have detrimental effects. Right? So these are things those are that's my worst nightmare, by the way. You know, my my thing is I don't ever wanna put somebody in a worse situation Mhmm. Than they were before they met me.
Steve: Like Well, it's kinda like what you're saying. The other guy that came to you is, like, there's nothing I can do for you.
Patrick: Yeah. Yeah. And and that is my worst nightmare, though, is to put somebody in that position. Mhmm. I mean, that I I don't see how people can even do that and be happy or be, you know, like, be proud of what they do.
Right? Because that's Yeah. That's the whole idea here. Like, I like coming into work.
Steve: Yeah. I I like what I do here.
Patrick: I'm not trying to hate it. Right? Mhmm. And if you take on yeah. I I don't know how they compartmentalize that.
But if I if I had if I was working with a bunch of those people, I I don't know. I I wouldn't like my job at all or Yeah. Or I wouldn't be able to wake up and do what I do every single day.
Steve: Okay. So the biggest thing is the one on one personal attention. So it's almost like, some sort of coaching component behind this.
Patrick: Yes. Mhmm.
Steve: Right? So they're paying you to get credit, and, really, you're kinda holding their hands to get the credit.
Patrick: And some people are more ready than others. Right? So that's why we've invested heavily into software now that can kinda cut through the noise. Like, most people don't wanna talk to people, or if they have, they've already talked to maybe 10 other funding companies. They're just sick of it.
Right? And and we're kind of, by the time they get to us, I mean, they don't even wanna sometimes even share information or, you know, they're just kinda lumping us in with the rest of the guys. Mhmm. So we have a software now. It's pretty much an assessment tool.
We call it a a free business success scan. They could pretty much run a scan on their business. It's gonna tell them all of their weak points on their personal credit, on their business in terms of compliance and and data points they might need to change. And it's also gonna give them a funding range report as to how much funding they might be able to get now as it stands. So that allows us to cut through the noise.
If they're prequalified now, we can do we still do the due diligence. You know, there's the steps of personal credit optimization, business compliance Mhmm. And then just the application sequence itself. So once we go through those three steps, if they're prequalified, it doesn't take very long to to start getting the approvals. Usually within seven to ten days, they can start receiving those cards in the mail.
Steve: Got
Patrick: it. There is an advisory component, though, that does take a little more time. You know, there's a lot of people out there that don't have a 700 plus credit score. They've been dealing with it for a long time. A lot of these people I've noticed too, real estate people tend to be really bad with this.
They have a thick profile. Looks like if they fixed all of the stuff that could be fixed, it'd be a really sexy profile. But they typically have maybe one or two old collections that could usually come off pretty easy. Their utilization is usually very high, you know, because, they're use I don't know what they're they're using it for their remodels, their fix their their fix and flips, whatever they might be using it for. They're using their personal credit cards.
So, you know, your revolving credit is 30% of your FICO score. So if you're constantly maxing it out, your score is going like this. Right? Or maybe staying there for months at a time until you exit whatever you're doing and pay down those cards. So there's a better way out there, basically.
What's a better way? Business credit. So unlocking 0% interest for anywhere between nine to eighteen months. Mhmm. These business credit cards do not report to personal credit.
So when we're done with this application sequence, we're usually, gaining anywhere between 50 to $250,000 in 0% interest business credit cards. The only thing we're left with are usually inquiries on the personal credit report. And because those inquiries are not tied to any open account on the personal side, we're able to remove them. So the personal side is left untouched. Mhmm.
And then these business credit cards, let's just say we get a cumulative $100,000, you're not paying anything until you decide to actually use those funds like any old regular line of credit. Yeah. And then when you finally do, let's just say you decide to take out 50 k for some investment, you'd be only paying typically around one to 1.5% of that balance to service the the minimum payment during that 0% intro period.
Steve: Yeah.
Patrick: So on 50 k, you'd be looking at about a 500 to $750 payment. And, again, they don't report on, personal. The only caveat there is if you were to default on your credit cards, that is when it would report.
Steve: Which makes sense.
Patrick: Exactly. Yeah. And and that's the whole idea of why we're here too. We don't just wanna get you this immediate financing. So our scan could actually scan and prequalify you for 20 different immediate financing programs.
So 0% business credit cards, business lines of credit, equipment financing. Mhmm. But there's a bigger plan outside of that. Most funding companies just stop at the 0% funding and usually don't even have a plan beyond that. We wanna make you bankable.
You know? But even then, let's just say you're 99% of the businesses out there. Oh, hang on.
Steve: So before getting bankable. Uh-huh. You're helping businesses get 0% interest business credit. So how does this impact, like, their business in general? Right?
So, like, you got a person they're doing business, you're, you know, making $20.30 k a month. Right? Consistently, money coming in, money coming out. How does getting a business credit card impact their situation?
Patrick: Mhmm. Great question. So there's a lot of ways. So how does it impact? I'll tell you the good stuff, and then I'll tell you the bad stuff.
The bad stuff comes if they're not able to service their credit card, make payments on time, all that stuff. Right? But let's assume we go and get 5,250 k, whatever whatever it is. Usually, what comes is aside from the funding, there's other benefits that come with it. So these are financial trade lines that will go to report on your business credit report.
So now you have comparable credit on your business credit as well. So that's actually one of the steps to becoming bankable is building a business credit score. Yeah. So not only are you building financial trade lines that will go on to report to the business credit reports, but you're also building a relationship with that bank itself. So these credit lines, let's just say if you start with a $5,060,000 dollar Chase credit card, they're not gonna stay at 50 or 60.
They will grow with you as your business grows as well. Yeah. And then once that 0% is out, so Chase usually comes with about twelve months of 0%, you can actually apply for another 0% card when that 0% runs out. Mhmm. And Chase is actually a little bit unique.
I'm a give you guys this little gem. In case you have a non 0% Chase card and you happen to have a brand new 0% Chase card, you can move the limit over from your old Chase card onto your new 0% card.
Steve: Yeah.
Patrick: So we do that all the time. Let's just say a client happens to have a $40,000 Chase card. It's two years old. We just got them a 50 k Chase card. Well, now we have a $90,000 0% interest credit card for twelve months.
Steve: That's really good. Yeah. I think I think I've done that with Chase.
Patrick: Mhmm.
Steve: Yeah. There's a
Patrick: few banks that can do that. Amex is unique in that you can actually do it from your personal side. So if you have a personal credit card and, again, we wanna think strategy, you know, personal reports on credits, 30% of your score, the revolving credit. Mhmm. Maybe we wanna move it over to the business side, and now you have that 0% that doesn't report on your personal.
Steve: Got it. And then what do you recommend? I mean, this might be a super foolish question, but, like, what do you recommend in that they're spending on like, there's, the points guy. Right? Like, he was pretty big.
You know? Like, is there, like, strategy on top of that, or is it just, like, let's just get that and then go to bankable?
Patrick: No. No. No. The these are great questions. I'm glad you're asking them.
So after we get the funding, the banks, they want you to use it. Right? But it's also very important to understand that you have to service these lines correctly. And business credit is a little bit different than consumer credit. Consumer credit, you know, you have all kinds of protections.
You all you almost have, like, a thirty day grace period before it's actually considered late.
Steve: Right.
Patrick: With business credit, it's not like that. So with business credit, one day late and you're late. So with business credit, you almost wanna think of paying early is on time, and then paying on time is is subpar Right. In terms of generating a business score. So For
Steve: someone like Dunford and Bradstreet? Or Dun
Patrick: and Bradstreet is one of them. Then you have, like, your Experian and Equifax business.
Steve: Mhmm.
Patrick: In terms of bank related financing because Dun and Bradstreet would be more for, like, vendor credit. Okay. And we can get into all that, but there's this whole noise in the space about no PG, EIN only credit. So it's, like, it's mainly geared towards people with
Steve: bad credit. No PGs and no personal guarantee?
Patrick: Exact yeah. Sorry about that. Yeah. So yeah. And it's it's mainly marketed and targeted towards people that have bad credit because now they're like, oh, look, you can get up to 5,000,000 or I don't know what number they put.
No personal guarantee, this and that. Right? And that's simply just not true. You know, it's true if maybe you're Jeff Bezos or, Elon Musk, right, where you have an established business that is bankable and can stand on its own legs. Yeah.
But other than that, people and and now more than ever, we're going more towards what's called a weighted score. So it's not just your business score. It's not just your personal score. Banks are now going towards what they call a a combined weighted score, which is your FICO SBSS score. So it's a combination of your personal and your business score.
And of all the owners of that business Mhmm. 20% or more.
Steve: Gotcha. Okay. And so then what are some of the, you know, you talk about, like, real estate people, you know, they were saying, hey. Use this thing. Use that thing.
Like, my understanding, you're you specialize in real estate people.
Patrick: I a real estate is actually a a big demographic of mine, but we also have business. There's a it's like a half and half of, like, investors and then just business owners. And those business owners could be anything, really. Gotcha.
Steve: Mhmm. Okay. So, like, what are some of the big things you've seen, like, how real estate investors are using your products?
Patrick: Yeah. So they tend to still use the other products they have, and and that's what I always say. It's, like, 0% is not meant to replace your hard money. It's not meant to replace your DSCR. It's meant to complement it.
Right? And I I tell people a lot of times, like, you have people, like, oh, I want I want to get a 100 k of zero percent to buy a truck. It's like, let's let's there's financing products made specifically for the thing you're trying to buy. Right? It makes more sense to use the 0% capital maybe for a down payment and then use, like, equipment financing for the truck.
Right? So it's the same thing here. You know, most real estate investors say, if I had more capital, I'd I'd do more deals. Mhmm. So it's just a way to basically get capital, and it's unsecured capital.
Because most of these things you're talking about in terms of DSCR, hard money, they're collateralized. So not only is it there are usually more paperwork and and and stuff involved, but, it's just additional capital that you can unlock that a lot of people might not even know they have just sitting there waiting for them if they have a 700 plus credit score. Yeah. And like I said, most of the time, it's it's unsecured capital. And and most of the time, generally, they're not asking for documentation, so, like, financials or tax returns or anything like that.
Steve: But it's still credit cards?
Patrick: Yes. Okay. They're credit cards. So, you know, the next question that some people might be wondering is, how do I use the credit cards for something that don't doesn't accept credit cards? Right?
Right. Yeah. So, because that's a common question for real estate investors. Right? They might need it to, there's still a lot of things you can use the credit cards for.
Earnest money Mhmm.
Steve: Down
Patrick: payment. Exactly. Those are the things you maybe can't use it for. Right? But these are generally companies that you're paying that to.
Right? So there are sir there are third party companies that could liquidate your credit into cash. These this is not gonna be directly from the bank unless it's a balance transfer card. Mhmm. Because otherwise, if it's not, then what you're doing is you're you're getting rid of the 0% intro period, and then you're incurring a a cash advance fee usually of, like, 25, 29%, something ridiculous.
Steve: Mhmm.
Patrick: So we're able to retain that 0% intro, have it code as a purchase so it's tax deductible, and we're turning the credit into cash essentially by a third party company. And one one good example would be because real estate I have a lot of real estate people, use this service, Plastiq. I'm not sure if you've heard of it or not. Plastiq.com. So let's just say you wanted to pay a title company, you would use that service there, use the credit card, they charge you a 3% fee, and then they're sending them either a wire or ACH, chat app.
Steve: Mhmm. And then, I don't know if there's an appropriate time. I don't know if there's ever an appropriate time to talk about this, but I had a colleague share it with me. You know, he was really into strip clubs. And, the way he would, go to the strip club was he would go they had a thing they call it.
I don't know if it was a brick or whatever. We swiped it, and it was just a bunch of cash in plastic bags. Interesting. Okay. Right.
So instead of go to the ATMs, you do that. What was great for him was that he could still use those points.
Patrick: Yeah. Yeah. So that's, getting into the
Steve: I'm not saying that's the right thing to do. I just like, that just came to my mind.
Patrick: I don't know why. There's a lot of creative ways. I mean, there's people that will literally go, like, on
Steve: a cruise
Patrick: Mhmm. Like a casino cruise and sort of very similar method, buy a bunch of chips, maybe spend a little bit, and and and then cash in on those chips.
Steve: Right.
Patrick: A lot of those things have been patched up, and it's one of those things where those are the things I I I try not to take the clients through too much because those are just, like, little hacks and things like that. Not good at long term.
Steve: Yeah. There's easier, more,
Patrick: streamlined and legit ways. Because, again, if let's just say it's not Plastique, we also have, like, a a law firm that could literally liquidate that money in escrow and do it all on on up and up. Mhmm.
Steve: So I just wanna touch on this before we get the bankable. There is a a I don't know if it's still trendy. It was popping up my feet quite a bit about the business credit, and you never have to pay it back. Right? And I think you're kinda touching you kinda touched on it a little bit.
What the hell is this, and how do these people get off, like, marketing this?
Patrick: Yeah. Yeah. So that that's what it it's it's in that same arena of, like, no PG, no personal guarantee, EIN only credit.
Steve: It just seems like you're just screwing people over. It seems like because someone's getting screwed. Right? Either the guy who paid for that program who got all that credit, and now the bill's due, or the bank. Like, someone's getting screwed here.
Patrick: Yeah. And to kind of, like, explain. So the no PG, that's just, like, sort of wrong advice. What you're talking about is still in that same avenue, but, like, now getting into the illegal territory. Because what often they're talking about is actually building up, like, a synthetic credit profile and then getting credit with that.
And then Loan fraud. Exactly. Yeah. So you'll hear often hear words like CPN.
Steve: Mhmm.
Patrick: Right? Yeah. CPN, primary trade lines, stuff like that. At the very least, gray market, most likely illegal. Mhmm.
And, you know, they might get in trouble, but the ones that's really left on the hook are the people buying it because, essentially, you're the one applying and and doing the business with the banks. You're the one that's essentially committing fraud. Mhmm. So and those are the things, right, that, like, sound very sexy.
Steve: Right? Great. You can get loans and do whatever you want. And if you don't pay it back, it's fine.
Patrick: Exactly. Right? Sounds great. Exactly. And that so that's, like, super legal.
I would hope that most people don't fall for that, but there's an in between too. But it shows up. Yeah. It shows up. Right?
Steve: You're on your reels on IG.
Patrick: A 100%. No. And most of that, finance viral stuff, to be honest with you, if it's viral, it's, I've actually recently been thinking about starting to use them as, like, visual hooks Mhmm. And be like, gotcha. Like, because they go viral, but a lot of that stuff simply isn't true.
Right. And like I said, that's just illegal. But a lot of the stuff you'll you you hear a lot of, like, buy an aged corp and unlock $500,000. So that's kind of, like, same thing. Not illegal right under that, but not true.
What they don't tell you is, like, an aged corp helps. Right? And it might help for certain things unrelated to funding. So if you're trying to get government contracts, you might want a business that's two years old to show maybe some age. If you're doing Airbnb arbitrage, maybe for that as well.
But in terms of unlocking funding, that five, ten year old business is gonna serve you the same as a brand new one if you don't have the other half of it, which is tax returns and financials. They never talk about that part, but they're happy to sell you a 5 or $10,000 aged corporation.
Steve: Mhmm. Gotcha. Okay. So the aged corporation, that's the other hack, quote unquote, that's an incomplete product. Incomplete.
A 100%.
Patrick: Yeah. And most of the time, again, if they are selling it to you complete, you're now entering the fraud zone. Yeah.
Steve: So a complete product is not a good product.
Patrick: Yeah. If I mean, yeah. If you're
Steve: unless In that instance, where you're buying a product that doesn't you're buying tax returns that aren't really yours.
Patrick: I'll tell you the the the legal equivalent would be m and a. Mhmm. Buy a business. Buy an actual existing cash flowing business and take over it.
Steve: Right.
Patrick: That would be the legal way to do it. But buying a corporation that's been on the shelf that you probably found online, guess what? The banks know that that company's been on the shelf too. Right? And then they're gonna be like, oh, you you have a ten, twenty year old business.
Where have you been all my life? I don't see you on Google. I don't see any financials. I don't see anything. Between, the SBFE and, LexisNexis, there's over 700 data points that these guys have on you on any given time.
Right. Anything from, like, professional titles, addresses you've lived, tickets you've gotten, liens, anything, basically. Speeding tickets? That too. Yeah.
With balances and bank accounts.
Steve: What tickets are we talking about here?
Patrick: All kinds. Your whole history. Like, if you were to pull up, your LexusNexus, you'd probably have 80 pages worth of stuff.
Steve: Gotcha. And then at some point, you brought up Biz Compliance. What is Biz Compliance?
Patrick: Yeah. So that's a good question. That that goes into the bankable stuff. Right?
Steve: So Let's go to bankable. Alright. So you didn't come in here to talk about cheap money is your percent. Right? Like, that's that's the beginning to start.
That's a start. But that's not why you're here. You're more passionate about getting businesses to be bankable, where they can actually get loans. And which is great because, last week, we had Marcus Crigler here, and Marcus talked about being bankable, by being having really good books. Right?
If your books are good, you're bankable. You're talking about the credit side of being bankable. So let's go ahead and talk about that. Obstacle I hear from newer wholesalers is finding buyers for their deals. Because unless you've built a massive buyers list or have a huge dispo team, you might struggle to move your deals.
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Patrick: Yeah. And then finances is one of those four legs. Right? So there's the four legs of becoming bankable. Mhmm.
So one is having your financials in order. Mhmm. The second would be business credit. So you want your Fike, yeah, your business credit scores, to be built up. A lot of people don't have a business credit score because they don't have business trade lines.
So that would be the other thing is a a business having just like you have on your personal credit report trade lines. A trade line is basically just an account reporting on your credit report.
Steve: Alright. You
Patrick: need that on your business credit report. Mhmm. A lot of people don't focus on it because, you know, they just don't know what they don't know. But you might like, a lot of business owners might actually already be dealing with vendors that just simply don't report. So there's services out there, like Dun and Bradstreet actually has an upsell, that will help start reporting those trade lines as references if they're not reporting already.
And then the other part is, having comparable credit. So going back to the start, right, where we wanna everyone wants access to immediate capital. We get you that, and there comes some benefits with that as well that helps us with the next step, which is that these these are, trade lines from tier one banks, business trade lines that will go on to report on the business credit report.
Steve: Mhmm.
Patrick: So now you have comparable credit. So, again, you're servicing these lines right. You have the comparable credit. You have your business trade lines, your business credit score, and your good, owner's personal guarantee credit score. Now you can unlock what we call bankable financing.
Steve: Mhmm.
Patrick: So now we're talking about terms up to ten years and better rates. So instead of having to look at short term financing, we can start to look at maybe SBA, or we've even gotten rates better than SBA. We've gotten, like, for example, we got a a real estate broker out of New York, a $240,000 business line of credit at prime rate plus 0%. At the time, prime, rate was at eight and a half percent. So we beat the SBA loan by, like, two points, I think.
Wow.
Steve: Okay. So then what's involved? So, like, we're saying, like, finances, business credit, the trade lines, and so on. Is this the is this, the product that you generally, like, service? Or, like, this is where you counsel people through?
Patrick: Yeah. So what's involved? That's a good question. So it will typically take a business no less than four months to get bankable, and it could take anywhere between four to six months. Sometimes even longer if the client is dragging their feet.
But in that time, we're coaching them every step of the way to make sure that their business is compliant. So you ask, what is compliance? Well, the reason why ninety nine percent of business owners get denied for again, I'm not talking about, like, a business credit card, but, like, actual bank loans and lines of credit. Like, walking into a Bank of America. Union.
Credit union. Bank. All that. That's what
Steve: I'm gonna say you're talking about.
Patrick: Yeah. And credit unions might actually be a little bit nicer with you because, there's a couple reasons for that. But, one, the average file on there like, if you're at a 700, you're you're gonna be higher than average than than the average client there as compared to maybe a bigger bank.
Steve: Mhmm.
Patrick: And then they're relationship based too. So if you've been with them for a while, they might be willing to extend you something, but it won't be any significant amount. So usually, they're able to underwrite up to a certain threshold, and then we start to get into the more compliance and bankable side of things. But, yeah, the reason why ninety nine percent of people are denied for these types of products is because you your business isn't compliant. And what that means is that when you are getting a loan from the bank, that loan, all their all that all that bank is simply doing is reselling it.
They're packaging it up and then selling it on the markets. But they can't do that with your paper if your business is in compliance. So that could mean anything from not having a commercial business address, not having a business phone number, not having a website, having a high risk business name. All of these things would make it basically to where you're not you're not compliant and they can't sell the paper. And that that's the that is the main reason why most business owners get denied.
And you know what's crazy too? Is, the banks, similar to the software that we have, the banks can tell all this before even pulling your credit. Because every time they pull your credit, they have to pay Experian, Equifax, TransUnion. So they have systems in place where they could do a scan on your business and your personal profile to determine whether you're gonna be a good fit before they even have to pull your credit, pay Experian, or anything like that.
Steve: Gotcha. So you mentioned some of the interesting high risk business names. What's a high risk business name?
Patrick: Real estate people are the biggest offenders. They're like real estate holdings or real estate investments, LLC. So it's generally having a high risk I have
Steve: a couple of those names.
Patrick: Yeah. Exactly. Right? And, you know, they're good because oftentimes, real estate people will also have, like, maybe depending on how they do it. Right?
But they'll have, like, an LLC for a property or several properties. Right? So it makes sense. Right? But, generally, if you're thinking about, just in general when creating a business, but especially when it comes to funding, you wanna stay away from names like capital investing, real estate, and then the obvious ones like gambling, ammo, you know, firearms, things like that.
Yeah. And then the industry itself matters too. But, you know, if it's in the name, we won't even get that far. Right? So, generally, those type of names you wanna avoid.
And then you can go the alternative would be something like instead of, real estate investments, you could just call it, pardon the pardon group. I don't know. You know, the more vague, the better it is. You can always do a DBA if you if you really wanna come up with something clever and nice.
Steve: Gotcha. So use a generic name and then DBA to whatever brand you wanna have.
Patrick: Generally. And you know what? It's like, that's the best thing to do for funding. But I've noticed that, it comes in handy because I I've dealt with so many, people where they they they go on and maybe think of a different business idea or and they're like, oh, wait. I have an LLC already.
And it's like, oh, but I can't use it because it says jewelry on it, you know, and I wanna start a trucking company now. Right? Had it been, like, maybe x y z, you can take advantage of the time it's been in business, you know, as long as it's in good standing and all that, and repurpose it. Because that happens all the time with businesses. It wouldn't be the first time.
Steve: Okay. So, so to get bankable, good finances, good credit, good trade lines. Is is the trade lines and credit, like, kinda, like, hand in hand in hand or no?
Patrick: Yes. But just kinda like with a personal credit, you can have trade lines on there, but you can have a very bad credit score.
Steve: Got it. Okay. Mhmm.
Patrick: So you wanna have a good credit score, and you wanna have good financial trade lines reporting, and you wanna have comparable credit. So it's almost like on the personal side, we're just replicating it on the business side. It's it's literally the same thing. Like, if we want high limit business credit cards, we're looking for comparable credit on the personal side. We're looking for if we want high limits on the business, we're looking for high limits on the personal and that they've been able to maintain and and properly, pay those cards.
Steve: Got it.
Patrick: So a good track history as well.
Steve: So you need a so when you say comparable credit, you mean, like, your personal needs to match? For match, but, like, has to have a good reflection.
Patrick: Yeah. And and I was using the example of the credit cards. Right? Right. And then once we make it onto the bankable side of things, where we're actually looking for business bank term financing, we wanna start having comparable credit on the business side.
Mhmm. So that's where the business credit, business trade lines come in in in into effect.
Steve: Got it. So let's say I go down this road. Right? You're saying ten years line of credit, whatever. So, like, why so why should someone care?
Right? Like, someone's watching this show whether, they're a small business owner or they're real estate investing. Why should they care about what we're talking about as far as being bankable?
Patrick: Yeah. And if I don't answer it with this, then feel free to ask it again. But as I said earlier, 99% of businesses get turned down for these loans. Right? So it's like with anything.
If you were top 1% basketball player, like, what would happen? You'd have all kinds of offers coming to you. Right? Like, you wouldn't have to go looking for money. Money would come up looking for you.
Right?
Steve: Mhmm. Well,
Patrick: it's kind of the same thing. If you're the 1% of businesses out there, you won't have to go looking for capital. Those those those banks are gonna come knocking on your door.
Steve: Oh, they'll come to you?
Patrick: Oh, yeah. 100%. Mhmm.
Steve: Oh, I've never had that happen.
Patrick: Yeah. A 100%. Yeah. And and, again, it's it's because we've done all we've laid out the footwork. So, you know, personal credit optimization, business compliance, banking relationships, and then just having the right application sequence in order.
Steve: Got it. Okay. So then you're saying, as fast as four months, maybe six months or longer if the the client is is dragging their feet?
Patrick: Exactly.
Steve: Got it. Okay. And then what is this business success scan?
Patrick: Yeah. So the the success scan, we made it to combat all of the noise out there. So some people might not even wanna talk to anybody, but but but they wanna know how much funding they can get. So it's essentially an assessment tool. They can run a free business success scan.
By the time they're done running that scan, they'll know all of the weak points, like, what's out of compliance in their business Mhmm. What improvements they might need to do on their personal credit, and how much funding a funding range of what they might be able to get right now as it stands.
Steve: Got it. And then, the other thing is, we had talked about before the show is that there are people out there with 700 plus credit score who don't realize they're just sitting on Apollo money. Can you elaborate on that?
Patrick: Yeah. So the 0% business credit cards, right, we we're generally getting anywhere between 50 to a 150, 250,000. Really depends on the strength of the profile. But that's literally mostly all we're leveraging. If you have an LLC or any kind of business formation, doesn't even necessarily have to be a, functioning cash flowing business.
As long as that business entity is in good standing and you have a 700 plus credit score, you might be sitting it on 50 k plus Mhmm. Of 0% interest business credit.
Steve: Gotcha. Okay. And then, what have we not talked about? That someone is listening Mhmm. Should want to inquire more about in regards to business credit or, being bankable and so on?
Patrick: I I would say maybe, I could clarify a little bit how that would work and and how that journey looks. Mhmm. So if somebody comes in, they don't have to talk to anybody. They can go through their assessment, their free business scan. From there, that scan, once they're done, will tell them all of the weak points of their business and personal credit.
It'll give them a funding range. After that, if they want to, they can get on a phone with one of our funding advisers to go over their options. For anything that they're prequalified for, they we could start the application. So, basically, if they wanna move on from there, if they're prequalified, we get them to sign an agreement. And usually within that same day or a day after, we're already applying for things.
Steve: Gotcha.
Patrick: So, and what happens in the background is we're coming up with a funding plan. So we're getting all of the documents that we need, which is generally just a fresh TriMerge credit report and some some personal information just to make sure that we have everything to put together a tailored funding plan. Mhmm. And then what we're generally doing in that funding plan, if for somebody that wanna do it themselves, is we're we're looking at the personal credit profile and we're looking to see, again, what needs so there's the steps. Right?
Personal credit optimization. Is there anything that needs to be optimized here? Oftentimes, it might be because we usually don't want any derogatories. We don't want too many recent inquiries either because that makes you look, as the algorithm calls it, credit seeking. Mhmm.
So that you don't wanna look like, desperate. You know, it sounds weird, but banks wanna lend to people that don't need money. I learned that.
Steve: I learned that when I was self employed or when I became self employed. Because when I was w two, I had all access all the capital I needed. Let's start working for myself.
Patrick: Mhmm.
Steve: No one wanted to talk to me.
Patrick: Yeah. Little side tangent there. Don't ever put self employed on the applications. Put employed even if it's by your own company. And if you have a w two job right now, that would be the perfect time, especially if you're thinking about leaving or something.
W two is, can come in handy for a lot of these financing products. And if you have a w two plus ten ninety nine, again, we can always do more with that as well. But for the most part, this is a stated income only program for the most part. So it's just a matter of, like it's like with anything. The more resources, the more stuff you have to leverage, the more you can unlock.
Right? And it comes down to the three c's, cash flow, credit, collateral. So we generally like to get a full picture just to see where you're at because, again, it's not just 0%. We could possibly prequalify you for more. So we wanna find out how much you're looking for, what you're looking to use it for, and then from there, get all of the necessary information we need to come up with a wholesome plan, not just for the immediate capital now, but what's needed afterwards.
Yeah. And like I was saying, personal credit optimization is first. Generally, inquiry removal, negative accounts, you don't wanna have any. Then from there, it's the business compliance. To keep it simple, that scan will tell you what's in compliance or not.
But, generally, you want a business we're in 2025 now. Right? There's scams are rampant, and it's 2025. Who doesn't have a website? Right?
So little basic things like that. It's like before you apply, maybe you wanna make sure that your business shows up on Google. Maybe you wanna show up you have a maybe you wanna have a professional business email address and a website. Right? You can have AI literally build you one in, like, five minutes.
Right? Like, no. It's and here's the thing. It's an immediate financing program, so it's not to say that you won't get approved. But my theory is just especially if you're hiring us, why would you go in handicap?
You know? Why would you go in and chop your leg off, you know, into a basketball game beforehand when when you could go in and play fully abled with, like, two legs. Right? Yeah. It makes no sense to me.
You might be it might not lead to a denial, but it might just lead to less less amount on the approvals.
Steve: Yeah. What you said here was really obvious. Never thought about it. But it makes a lot of sense. Right?
Like, don't put self in play.
Patrick: Because I've
Steve: always put self in play. Because that was the truth. Right? But, yeah, in the early days, that was not so good for getting loans.
Patrick: Yeah. Yeah. So and that's the thing too. Right? W two a lot of there's this whole thing, this narrative, online, like, hustle culture, be your own boss, and leave your w two.
To me, I think, do both until you can. Right? Like, there's no one way to cut something. Right? But if you have a w two and you're thinking about raising capital, do it now before you don't have that w two.
Steve: 100. Anything else as far as, like, tips for filling out, like, credit applications?
Patrick: In terms of tips, it's it's more so you know, it's it's funny because it's not like we're telling them to lie or put anything on those applications, but we like guiding them through the applications because we've noticed that, they mess up. So they they will put some strange things on there. It's like, where where did you even get this number? Where did you get this from? Like, we we never.
So now now we don't have an yeah. We take care of the entire application process, basically. We we're not gonna let them go in blind because it's not so much that we're telling them to put different things. It's more so that they're putting different things that don't make any sense. But in terms of filling out the application, you don't wanna, typically, you don't wanna say that you're retired.
You don't wanna say you're self employed. They're they'll typically ask you the industry that you're in. So you don't wanna be in a high risk industry, generally. And if you are, you might wanna consider maybe creating another LLC to fund, and it wouldn't be the first time in history that one LLC lends money to another one. And that's how, oftentimes you're able to fund a high risk business is by basically funding a low risk one and then lending it to the high risk one.
Steve: Gotcha.
Patrick: And then, yeah, the high risk stuff that we went into, the name, the industry, this goes it's not really the application part, but you are putting it in there. You generally wanna have a website, professional email. And even nowadays, especially more so important for, several industries than others. But if you're in this for the long term, you wanna think about having a actual business commercial business address. So not a PO box, not a home address.
Worst case scenario, if you're bootstrapping it, a home address would be better than a PO box. You know, those that you get for $9 a month or something like that. Yeah. Don't do those because, those those are almost always automatic denials. Not even that.
Like, sometimes you go to open up bank accounts. And right then right then and there, they stop you in your tracks. Like, no.
Steve: Like that too. It's like they say no PO boxes.
Patrick: Yeah. So now you have a PO box on your Secretary of State, but with the bank, you have this address. And now you have address mismatches, and now you're just creating a mess.
Steve: Gotcha. Mhmm. Okay. So you help with all this.
Patrick: Mhmm.
Steve: Okay. Anything else we didn't talk about that, you know, people that are looking to become more bankable, get access to more capital?
Patrick: Yeah. I would say, you know, there's a lot of, justifications in their head as to why they can do this themselves.
Steve: Mhmm.
Patrick: There's also a lot of people obviously, we're not the only ones out there. You know? So if you're talking to other people, I would say, yeah, be a hard client and ask the right questions. Right? So, you know, just based off some of the stuff I shared today, ask them, hey.
Are any new accounts gonna be added to my personal credit profile? That's something you might wanna check. Might also wanna check to see if they're gonna be removing the inquiries when they're done. And you might also wanna yeah, just just make sure that you're getting in bed with the right person. And if you're doing it yourself, I would say, unless you've maybe bought a course and you wanna go gung ho, do it.
The only time I would recommend maybe you do it on your own is if you are just thinking about applying for one or two cards. Right? Like because that if you're just thinking about applying for a business credit card, go do it. You know? Good luck.
Whatever. But if you're looking to stack capital and access a large amount in a short amount of time, then that's when you would pretty much come to me. We'll help you. We'll we'll, yeah, we'll work with you until we get you that, and then we'll help you we'll facilitate turning that credit into cash if needed. Is your business name something capital?
Stacking capital.
Steve: Mhmm. I'm just thinking as far as, like because I think you don't have capital in our names.
Patrick: Do you have it in your That's a DBA.
Steve: That's a DBA. So Stack Capital is a DBA. Mhmm.
Patrick: Oh, see.
Steve: I thought we're gonna have a gotcha
Patrick: moment. No. No. Not at all. So it's Agency Partners Group LLC, and then, Stacking Capital would be the DBA.
Steve: Got it. Yeah. Okay. So then, someone wants to get a hold of you and and and find out more, how would they do that? Yeah.
Patrick: I would say stackingsuccess.com will be the best way because that's gonna, let them do the scan. So it's a free assessment. They can do a business scan. Within five minutes, they're gonna know the weak points of their business and the funding range that they can get as well.
Steve: So they'll find out right off the bat, like, what they can get preapproved for.
Patrick: After they're done with that scan, yes. And then after that, what they could do is if they wanna go over their options at that point, go over the details of that, we we'll we'll be more than happy to hop on the call and go over their options.
Steve: Gotcha. So, you know, we have people from all sorts of different industries that come on the show. You know? Again, like, last week with Marcus, like, he's in accounting. He does tax strategies, how to reduce taxes so that you get to keep more of your money and be bankable.
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Patrick: Yeah. Well, you know, I think it's more of a personality thing with me. When I get super excited about something, I I just wanna share it with people. Mhmm. Like, that's how I am.
You know, I I I've been a martial arts instructor. I think there's this coaching thing inside me naturally.
Steve: Mhmm.
Patrick: And I've realized what I like is is not to help somebody. I realized what I like is transformation. Back when I was teaching martial arts, back when I was doing marketing, and and I've noticed what what makes me the most happiest is when I've changed somebody's freaking life
Steve: Mhmm.
Patrick: And their trajectory because of something they didn't know before. Right? Or just yeah. There's so many stories I can tell you of where, like, it it wasn't just even the 0% that we got them. Like, 1% that just came to mind right now is, like, this person wanted 0%, and and he had no idea we were gonna do this for him either.
We didn't even know either because we found out later that he had, like, $700,000 worth of MCA debt. Mhmm. Well, we were able to restructure that into a longer term, fixed rate, loan and still get him the 0%. So that's what makes it worth it for me. It's, like, seeing the transformation, and and it's fun it's fun seeing those those approvals too.
But the transformation, that's that's what I'm in here for. Gotcha.
Steve: And then so, you we were speaking offline before the show. So you've done all sorts of different martial arts. Right? I think I heard kickboxing, taekwondo, Krav Maga. Anything else?
Karate. Karate. But you taught Krav Maga? I taught Krav and karate. Krav and karate.
So what is it you like about those particular styles?
Patrick: About those particular styles, you know, I think in order to be a martial artist, you got you gotta be mixed. Like right? But Taekwondo, karate, what I like about those is, you're light on your feet. Mhmm. Really light on your feet.
And I realized, because I've done boxing too. In boxing, you're also light on your feet, but you can you tend to you can tend to tighten up a lot. Mhmm. And martial arts teaches you to be very light Mhmm. And relaxed.
That's why you'll see, like, a 60 year old, like, master still, like, hopping around and doing martial arts because they're they've mastered how to conserve energy until, like, it's time and then they tighten everything up. So you get a little bit of, I I say, martial arts is like a language. You know? It's like and you you the more languages you know, it's just the better martial artist you are. Gotcha.
Steve: Well, I'm curious because, you know, I do Kung Fu.
Patrick: Mhmm. And
Steve: so, you know, we do Wing Chun. And, some of these guys might know if they ever watch Itman on Netflix. Right? But the goal is basically to end the fight as quickly as possible. This is not three minutes or three rounds or five rounds or three minutes or anything like that.
This is just straight, like, who can disable the other person the fastest? With Krav Maga. Very similar. Yep. That was the philosophy you taught?
Patrick: Yeah. It was literally to neutralize the threat as quick as possible.
Steve: Much nicer term.
Patrick: Yeah. Well and that's what going back to what we're talking about. Right? Like, so most martial arts are a sport. You're not talking about neutralizing them.
You're talking about just winning. Right? Yeah. But with Krav, it's literally neutralizing. So there's no rules or anything.
Get it done as quickly as possible. Groin kick, eye jab, you know, elbow, elbow, and then whatever. Right? Yeah. So that is I mean, it comes from the Israeli martial art, Israeli army.
Mhmm. So that one I like that one a lot, for sure.
Steve: Yeah. I mean, it gets me was I hyped. Right? Like, when we when we do drills and so on, it's like because I was sharing this to you, you know, beforehand. It's like, my instructors had said to me is like, Steve, it takes you more than fifteen seconds to end a fight.
Like, don't let them know you came from my school. Like, that is, like, the standard. Like, we expect to win in fifteen seconds or less. Oh, yeah. And win is not like, we got points.
It's like, no. The other guy woke up in a hospital.
Patrick: Exactly. Yeah. No. And if you think about it, like, a minute is a lifetime in a in a fight.
Steve: I know for sure I'm not lasting a minute in a fight.
Patrick: Especially a street fight, you know, because there's just so many, unknown variables, you know, like, you're probably getting hit by chairs, tables, slippery floors. Like, it's, you know, now I'm I've gotten to be at the age and I I don't know, maybe it's the confidence too, like, just I call it like martial arts body language. Right? Because I can I can almost spot a martial artist? I had a feeling you were a martial artist before you said that.
Yeah. So you can spot them. And I feel like
Steve: predators body confidence.
Patrick: Yeah. Predators, same thing. Right? They're gonna look for an easy target.
Steve: Yeah. What was it they said that, studies. It's like, when you walk in the hood, right, like, they're it's it's pretty obvious which one they're gonna rob. Exactly. Yeah.
The guy that looks like he's gonna fight back, okay. Is it worth it? Exactly. But that guy, you know, he's for sure not gonna fight back. Like, what was it?
It was something I saw. It was, like, in TikTok a while ago. Right?
Patrick: I mean, unless they're, like, insane, most what they're looking to do is steal, not Yeah. Not get into the fight of their lifetime. Right? Yeah.
Steve: But I read it. So it was on video. It was it was sad. Right? It was bay basically, the guy is, like, the reason why I I I'm I went to go kidnap that guy's daughter.
Patrick: Oh, no. I know exactly what you're talking about. This is this was a serial killer
Steve: Yeah.
Patrick: Where they interviewed him and they asked him pretty much, like, what was the determining factor? And he's like because it was, like, all ages.
Steve: Yeah. There's no real reason to who he kidnapped as far as the girls go.
Patrick: Yeah. Except for that one commonality, which was he looked at the dad. And if the dad did not look like a threat, he would go after them. It's crazy. Right?
Yeah. No. That that one stuck with me too. It's funny because I don't have any kids, but it's the same mindset. Like, I wanna like they said in the in the in the marines.
Right? Lean, mean, killing machine. Right? That's you gotta stay ready. And it's not to sound like a paranoid.
You don't stay ready in general. Like, you gotta be fit. Aware.
Steve: You gotta be willing. You gotta be ready.
Patrick: Like, if a car is coming at you, you gotta be ready to move without breaking a leg or, like, oh my god. I haven't moved this way in years. Right? So that's my philosophy. It's like, I don't I I've I haven't been there yet.
Right? I haven't gotten old, but I think about that all the time. I'm like, I wonder how I'll look like when I'm 50. Right? And I'm like, if I keep this up, can I look can I yeah?
How how long can I feel young for? Right?
Steve: Because I can tell you right now. Don't do basketball.
Patrick: Yeah. Right?
Steve: Yeah. Apparently. Yeah. So, if you guys watch right now, you're wondering why am I wearing shorts. Right?
Because I've never worn shorts during this show. It's because, like, if you look here, I got a cast. Right? So rupturing my Achilles tendon playing basketball.
Patrick: But you'll be back in no time.
Steve: I mean, doc says six to nine months, and I was like, okay. Well, I'm 45, so it's probably closer than nine months. And six and when I tore it last year last time, twelve years ago, see, it was six months. I was shooting around in the gym, but not pressuring it, and it was nine months. Because, like, I tore my ACL as well or ACL MCL meniscus.
When I tore that, six months, I was ready to go to play basketball. Right? Like, ACL, you can recover from that. Right? Man, Achilles, like, six months in, it's like, okay.
I am not ready. So it's nine months before I actually played an actual game. Yeah. Yeah. So this is probably more like nine to twelve months given the stage right now.
Patrick: Well, at least you're avoiding surgery. So
Steve: Yeah. That's the big thing. That's the big thing for sure.
Patrick: And in the meantime, you're still kinda, like, doing light PT work maybe. Right?
Steve: Only I'll do physical therapy in a couple
Patrick: weeks. Right.
Steve: And then Good. Good. And after that, I mean, good thing is you have to be in good physical shape for kung fu.
Patrick: Yeah. That's true. Right. Or, you know, when I was teaching because I had even, like, 80 year olds. Like, we were a family dojo.
I would always say, like, we adapt. We modify. So Yeah. I I would tell the older guys, don't leave the ground and don't get on the ground. You know?
Like, stay grounded. Yeah. But, yeah, adapt and just keep the body moving. Yeah.
Steve: There was only stuff like, we had guys that came into our school that only, had one functioning arm. And so, like, okay. Well, here's how we do this. And the stuff that you do is, like because I never went down this road. You only think about this stuff.
Right? But, like, back day, like, back then, people had their arms cut off. Yeah. Exactly. Right.
They were like, hey. Here's what you do when you only have one arm left. Like, wow. Okay.
Patrick: Right? As a matter of fact, we have a a master that has one arm, and he specializes in this type of training. Right? Yeah. Yeah.
I bet. Right?
Steve: That's nuts. So alright. So looking back, or looking at what you're doing right now, what would you do personally if money was not object?
Patrick: Like, work related or just anything? General. Man. Well, I feel like, money is, like, with money, one can fully express themselves. Right?
So, I mean, if money was no limit, I there's all kinds of things. Right? But I I would like to just do more. Like, in terms of this, I would like to have some kind of credit finance, nonprofit. We actually have a a plan, and I don't wanna talk too much, but there's a a freemium sort of service with the help of AI Mhmm.
That we'll soon have, where we'll be able to help most people along this business financing journey, without having to pay any high ticket prices, without having to deal yeah. We're we're working on right now software that will help with the logic and and, and leveraging AI a lot to help get a lot of this done and Mhmm. For us to be able to help a lot more people too.
Steve: Yeah. I mean, AI is it's crazy. Like, with everything we that's what we're working on, you know, to, get people to become better at sales using AI.
Patrick: I heard. That is insane.
Steve: Yeah. So what we're doing there and then
Patrick: Role model, role playing. Right?
Steve: Role playing.
Patrick: Yeah. And
Steve: then, like I mean, even then, like, you look at at some point, you know, CRMs is just gonna basically, like because, like, right now, like, as a salesperson, right, like, you gotta run the call, you know, put in the notes, you gotta do this and that. Right? You gotta put a follow-up tasks. There's a lot of stuff involved. Right?
But, like, we're gonna get to a point where, like, the salespeople are the most valuable people in the company. Like, not to say that they're not the most valuable today, but even clearly more valuable. Because they're just gonna do the soft skills all day and AI is gonna do all the automation Yeah. All the tasks, all the notes.
Patrick: No. I mean, you said that someday it's gonna be there, but some of the stuff I heard, like, you've got this, the one you're you have or whatever.
Steve: Yeah. Role play stuff. Yeah.
Patrick: Literally calling them at eight in the morning to start their training.
Steve: Oh, yeah.
Patrick: Yeah. That's cool.
Steve: Yeah. I mean, right now, what I'm working on at this exact moment is to get the so the free version, you can just call. But the paid version is, like, we'll shoot you a text message. It's like, hey. Do you want That's really cool.
The the, the the review from this, and you click it and get it. Right? So then we're gonna start texting them the the review.
Patrick: Yeah. No. And, I mean, just just thinking of, like, the direct cost of, like, what a human trainer would cost. I mean Well,
Steve: we charge a lot. So
Patrick: Yeah. Yeah. Yeah. No. But I mean, that's I was saying, like,
Steve: we, a sales training organization, charge a lot.
Patrick: Yeah. I'm
Steve: sure. And
Patrick: AI. Exactly. Yeah. And it's faster too, the feedback.
Steve: Yep. Close the feedback loop. Okay. So what is your, epic life goal? Epic
Patrick: life goal. Well, in terms of, you see, I'm all in on finance this this offer. So literally an 8 figure exit. Mhmm. So that that that that is my my long term goal.
Mhmm.
Steve: What's your plan to get there?
Patrick: Yeah. So there's a lot in the works. I have a CFO I'm currently working with. He's helping me realize, a lot of the financial stuff. You know, it's not just about the past, but it's also about projections.
Mhmm. And also just in the product development itself. The last few months, I spent a lot of time and money training up a team. And now we have the systems, the software, and we're still looking to invest more because we're not done. Like, this software is really good, but we're not leveraging AI enough.
Mhmm. And, like I said, within maybe, like, a year or so, we'll have it to where what we're doing at a high ticket level, we'll be able to do at a low ticket slash freemium level to most people. So my my ultimate goal is to be able to help as many people as possible, with this.
Steve: That's awesome. What's your biggest struggle today?
Patrick: Man. Man. If we're being honest, back in March, I had partners, and, they kinda left and screwed me. So
Steve: Oh, really?
Patrick: Yeah. They took a big draw. Oh, they so March 16, they announced they were leaving.
Steve: Mhmm.
Patrick: Oh, an entire week before that, they ghosted me. Communication was poor and everything.
Steve: Multiple partners?
Patrick: Yeah. There was two partners. And long story short, it was really one official partner. This guy ended up find I find out that he came with him afterwards.
Steve: And like a roommate that's not on the lease.
Patrick: Well, and he's the one that ended up kinda being the problem. Right? So, but turns out maybe that's why. Right? So but regardless, they took the entire sales staff.
They took a a big draw. Mhmm. They they planned this. And a week before they announced, oh, yeah. We're leaving.
They they ghosted me. So it's like the communication from the executive level and just the departments, because one was in charge of sales, one's one was in charge of marketing, was horrible. Right? So, not the first time I get punched in the face. So Right.
It's just been a matter of adapting. The first week, I found, the replacement for the media buyer. Second week, I found, the trainer, external trainer Salesforce, which I've since hired and fired. Now we're training internally, which I've because I I realized, like, man, we've got a solid fulfillment back end team. And that's because we spent the last few months training them.
So I realized, like, we need we just need to do that for the front end. Mhmm. We're taking it a little bit slow in terms of the, financial consulting side of things. Mhmm. We have a lot of affiliate partners that we get through our scan because that software, we're able to actually white label it to our partners.
Mhmm. So they they send us a lot of files. So we're not having to necessarily need a a ten ten man sales team and all that. These are just coming in through referrals. And then from there, we're usually getting on a call after we have all that information from their scan.
Gotcha. But, yeah, long story short, that's been one of my biggest problems that I'm that I'm I feel good about now because it's, again, it's been about a month and a half. We've crawled out of it. But it was a scary probably on top of the list of the scariest things that have ever happened to me.
Steve: Was it completely blindside?
Patrick: A 100%. Yeah. But you thought things were good? Yeah. So, you know, the thing is it it led up to it.
So there was this, pattern with this particular third wheel partner, where he would become the most unreliable person in the company, not just the executive. Right? Since then, I've learned they were young kids. They were barely even 22. So, basically, what happened is, we would bring it up.
Me, the other partner, other people in the company. Hey. This is what's happening. And that happened around March. I I didn't bring it up.
It was actually the other partner and, the third partner's right hand man. They're like, hey. He's been very distant. I haven't been able to get out. What's wrong?
And I I said, hey. I I agree with you guys. I think we should bring it up to him though instead of just us talking about it like this. Right? And this was around the time that we're have we're in talks with, the CFO about getting everything now in writing, like proper operating agreement, equity, all that stuff in in writing.
And sure enough, like, we I bring this up to him when on a call where everybody that had brought it up when he wasn't around was there. Right? I bring it up, and, he pretty much gaslights me into saying, I'm shocked that you're bringing this up. I have no idea what you're even talking about. And the rest of the people are quiet as hell.
They don't say anything. I'm like, well, that's strange because it's not only me who's noticed it. It's literally everybody else in here that's not saying anything right now. You know? And then, you know, a few days pass by.
March 16 comes by, 03:16, and it's a Saturday. He's, like, saying, yeah. I realized and it's funny because, like, through the Google through the Google account, he was he still had his Google account logged in. And I was able to see, like, a Google Doc with, like, his actual plans of, like, planning this out, exactly what he was gonna say, when they were gonna do, and everything. So this was premeditated.
Right? But, yeah, I forgot where I was going with that. But long story short, they were young. Oh, yeah. Really, it it boiled down to that.
So he gaslighted me into saying, hey. Never never I don't know what you're talking about. You know, I I quite frankly don't know what you're talking about. It's quite surprising to me. Right?
And then March 16, he comes and says, yeah. I've decided to leave the company because, like, you crossed the line. He was telling me that I crossed the line when I said, that basically he couldn't be trusted.
Steve: Mhmm.
Patrick: And I'm like, well and at he was actually on the call with the other partner too. And I'm like, well, if that's how it's gonna be, then fine. Because you know what? You crossed the line when you gaslighted me Mhmm. Into saying that this isn't an actual problem, that it doesn't exist.
Right. When multiple people have brought it up.
Steve: Mhmm.
Patrick: Right? And then the other people stayed silent. So for me, that was a sign, like, oh, well, this obviously was not meant to be Well,
Steve: it doesn't sound like the culture was all in the right place.
Patrick: Well, that kid, he's young. And on top of that Not
Steve: not only that. I'm just saying also, like, the fact that the partner didn't vouch for you, other people didn't vouch for you. It's like
Patrick: Yeah. Well, come to find out so that partner I met, really cool kid, but I guess bad influences. And it turns out he's always worked with him on every single project or whatever. But I found that out after we decide to go into partners. So, you know, I'm finding out afterwards, we agree on a fifty fifty partnership, then he comes along.
And so it was like a after the fact kinda thing. Mhmm. And sure enough, few months after
Steve: So they take a large draw. So, like, where does that put you? Like, is that are are there legal ramifications here?
Patrick: Yeah. So my my CFO is also, like, a lawyer and stuff. He he's pushing me towards that, but, you know, I told him I I can't fight two wars. You know? Right now, my war is on the future, not the past.
Steve: I'm thinking everything that you talked about with your situation with the embezzlement like that right there.
Patrick: Oh, yeah. No. There's a there's a lot we can actually go because a lot of this has been documented. They deleted a bunch of company assets on their way out, deleted media creatives. They actually started reaching out to my oh, they took my lead list.
They they started reaching out to our affiliate partner lead list and actually started saying, like, bad stuff about my company. It's, like, really odd. Like, why would you even do that? It makes I would think it makes you look just as bad. Right?
Like, let's just say somebody even believes what you're saying. It makes you look just as bad almost. Right? Like, who does that? But but those were the things that were happening.
Steve: So I
Patrick: was just sending them notices just so everything could be documented.
Steve: Mhmm.
Patrick: But at the end of the day, it's like just and then the sales trainer too is a very similar and weird situation. So from that, I could be totally wrong, but I've learned, as of right now, at least, I'm taking a break from hiring young people. If they're 25, I'm not dealing with them.
Steve: Yeah. I've learned something similar as well. Okay. So what is your what is your superpower?
Patrick: Empathy is the first word that comes to mind. And I think it's helped me a lot in everything that I do, but, I I can really feel or at least have an understanding of that other side, right, of what they might be feeling or or or yeah. Or or their their just their field of viewer perspective. I would say I'm I'm an I'm an empath.
Steve: Okay. Gotcha. And just for everyone who's listening, like, I'm not saying that we'll never hire another 25 year old. It's just that, we built a business for a while ago based off of 25 year olds. And that was a business that was, was it someone describing it?
Felt like we built a house on, what do you call it? Where the sand's going down?
Patrick: Quicksand. Yeah.
Steve: Yeah. I felt like we built a business off of quicksand. Yeah. When we had when everyone was super young, that's what it felt like.
Patrick: I could see that. Yeah. Yeah. And that's our Salesforce was entirely made up of those young kids as well.
Steve: Yeah. What is your biggest failure?
Patrick: I've got a bunch, but I would say I would say the one that landed me in jail. Because, again, it was me signing a legal binding contract after the fact that they sent me the money and after the fact that I did a quarter million dollars worth of business with them on with that money. So the fact that I I signed it with that saying there in fact, yeah, that was one of my biggest maybe because it didn't it it it put me in jail. I ended up in jail, you know. So that's for, thirty days pretty much.
So I would say that's among my biggest mess up maybe.
Steve: So you read the fight right now?
Patrick: Yeah. Exactly. A 100%. Well, and now I have ChatGPT help me.
Steve: There you go. Yeah. Yeah. ChatGPT is reliable for that for sure. And then what book have you gifted more than any other?
Patrick: Think and Grow Rich. Why is that? Oh, man. I I think, there's so many good books out there, but I I think that book, aside from the Bible, is like it's it's it's a standard almost. It's like a book on principles, and it's actually like an instruction manual.
That's what I really, really like about it. So I I did a a couple years ago, the 75 heart challenge. Mhmm.
Steve: I don't
Patrick: know if you know about it. And in that challenge, part of it is to read a book every day, 10 pages. I chose to read Think and Grow Rich, that same book on loop. And it kinda made me feel dumb because I first read it the first time. And it tells you to do things in the book.
And when you listen to audiobook or or maybe you're reading it, you don't do the stuff. But after the second time making my way around, I was like, okay. I'm gonna look like an idiot here if I keep just reading this book and not doing what it's telling me to do. So hands down Think and Grow Rich. It's it's a very simple book, and it literally tells you what to do.
It's not just giving you stories or anything.
Steve: Yeah. Yeah. One of the things, I should probably go through it again. Because I remember it was I it was one of the first three, if not the first book I read when I worked for myself. And I went through, like, a 120, 130 books after that.
And I read it again, listened to it again. I was like, man, all those other books I've read and listened to, you already talked about it in this book. Right? So, I should probably go through it one more time.
Patrick: Oh, it's amazing. And what I would recommend is read it.
Steve: Mhmm.
Patrick: Like, in because that's the the part of 75 hard challenges, you can't do digital. You can't there's something, I guess, satisfying about getting through that book, putting that bookmark in, and seeing where you're at. That's a really thin book. It's, like, 320 pages, something like that.
Steve: I hear you. I hear you.
Patrick: Oh, but you got this. Yeah. I got this,
Steve: and also I got kids. So, yeah. And, yeah, I mostly listen.
Patrick: Well, as long as you're you're doing the instructions, it tells you.
Steve: Yeah. I have to remember.
Patrick: I have
Steve: to go through that again. So, guys, if you get value from this episode, you know, make sure to subscribe. We've got even more disruptors coming on. Who'll break down the exact moves they made to win. What are some last thoughts you wanna leave everybody with?
Patrick: I just wanna say, hey. Thank you so much for having me on. Yeah. It's been an honor, and, I really hope this, helps people. And if they're interested, again, I would recommend they go through the scan.
And after that, if they really wanna talk to somebody, we're we're welcoming them with open arms. You know? If you give us the the information that we need, we just need that to give you tailored advice. Like, we're not needing it for anything other than to give you the best possible advice Yeah. And strategy from there.
We'll help you out.
Steve: Gotcha. And then, again, how do they
Patrick: get through that that business again? Stackingsuccess.com.
Steve: Alright. Perfect. Thank you so much. Thank you, Steve. Coming on.
Take care. Thank you guys for watching. We'll see you guys next time.
Patrick: Shout out to Steve Train. Jump on the Steve Train. Disrupt us.
