The Personal Credit Blueprint: The Foundation of Business Funding
Many business owners assume business funding depends only on their company.
But in reality, lenders almost always evaluate your personal credit first.
Before approving business credit cards, lines of credit, or other funding products, lenders look closely at your personal credit profile to determine whether you appear credible, responsible, and trustworthy as a borrower.
Your personal credit score and report often act as the starting point for accessing capital, even when the funding is intended for your business.
In this live workshop, we’ll walk through the key elements that shape a strong personal credit profile and how lenders evaluate it when considering funding applications.
During this session you'll learn:
• how lenders evaluate your personal credit before approving business funding
• the most common personal credit mistakes that trigger denials
• how to strengthen your credit profile to improve approval odds
• the key signals that make borrowers appear more credible to lenders
• how personal credit connects to business credit and funding strategy
If you want to position yourself to access business credit cards, lines of credit, and other funding opportunities, this workshop will show you how to build the right foundation.
Presented By
Cal Barton & Terence Michael Spencer
Cal Barton hosts one of the fastest-growing communities of entrepreneurs learning how to use personal and business credit to fund their companies. Through his newsletter, YouTube channel, and digital resources, Cal helps thousands of business owners understand how lenders actually evaluate funding applications.
Joining him is Terence Michael Spencer, a business funding strategist and SCORE instructor, part of the nationwide nonprofit organization supported by the U.S. Small Business Administration (SBA) that provides mentoring and education to small business owners across the country.
Terence is the founder of Expandemonium, where he teaches entrepreneurs how to build strong business credit profiles and position their companies for funding approvals. He is also the founder of NBTB Solutions LLC, a real estate investment company operating nationwide.
Through his work with SCORE and private clients, Terence has helped business owners understand how lenders evaluate business credibility and how to structure their companies to access the capital needed to start, sustain, and scale their operations.