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Most business owners think about funding only when they’re desperate for it. That’s the mistake that costs them the most. In this episode, Moshe Bochner and Eli Glueck break down how business funding actually works, from lines of credit and SBA loans to business credit cards and low-doc financing. They share when to apply, how to protect your personal credit, and why the smartest business owners secure credit while things are good, not when cash gets tight. This is a real conversation with people who help business owners every day make smarter financial decisions, avoid common funding traps, and set up their businesses for long-term growth. The real question is, if your business needed funding tomorrow, would you be ready? Timestamps 00:00 Welcome and why this conversation matters 01:05 What a line of credit really is and how to use it 03:02 Line of credit vs term loan vs mortgage and HELOC 05:10 The safety net mindset and why a line of credit isn’t your emergency fund 06:25 0% business cards for short-term growth and marketing 08:00 Low-doc lines of credit and when they make sense 09:10 SBA 7a vs 504 explained clearly 11:00 How banks decide approvals through timing, cash flow, and relationships 12:25 The biggest mistake business owners make: using personal cards for business 14:10 How business credit protects your personal score 15:40 Building business credit early and the right way 17:00 What banks really look for in credit scores 18:25 Personal guarantees and what every business owner should know 20:05 Funding options for startups and new businesses 21:30 Equity vs debt and when investors make sense 23:10 What banks look for in deposits and consistency 24:30 How taxes and write-offs affect your ability to get approved 26:00 Is credit getting easier or harder to secure today 27:10 Final thoughts on staying ready before you need it Eli Glueck - FundRight (929) 348-6879 FundRightLLC.com Follow us on! Instagram: https://www.instagram.com/cofinance_team/ LinkedIn: https://www.linkedin.com/company/cofinance-team/ TikTok: https://www.tiktok.com/@cofinance_team X: https://x.com/home #BusinessFinance #BusinessCredit #Entrepreneurship #FinanceTips #CreditScore #BusinessGrowth #SmallBusiness #SBA #CashFlow #FinancialEducation #SmartBusiness #CoFinanceTeam
