eBook

You've likely been playing the money game wrong your entire life by trading time and labor for money. Doctors and lawyers aspire to be business owners because business owners can profit without investing their time. This freedom allows them to maintain a clear mind, providing the leadership and guidance necessary to effectively steer an organization.

You don't have to own a business to enjoy this favorable dynamic. Instead, you simply need to manage the flow of capital in and out of a business. Bankers and financiers do this. From the perspective of achieving time and financial freedom, the best possible career is being a financier who connects the right people with the capital they need. But how?

Simply put, purchase businesses managed by professionals with credit union financing and profit from the spread, like taking out a loan at 7% and earning dividends at 11%. SFCredit offers this approach and guidance, but it's crucial to recognize that, unless you have exceptional talent in specific areas, this is often the best strategy.

A Gentle Reminder for:

Young People:

If you're under 40, you’re in an exceptional position to leverage this information to your advantage. Starting early with building cash flow or investing wisely from your business endeavors can lead to significant compounding over decades. This strategy has the potential to create a stronger financial foundation than 99% of your peers.

Additionally, being young gives you the flexibility to design a fulfilling life tailored to your preferences. You can shape your travel schedule, choose the best group of friends, and engage in pursuits, hobbies, or activities that bring out the best in you. This self-directed approach will help you become the best version of yourself, positively impacting everyone important in your life. Moreover, having a limited credit profile offers you a unique opportunity to build from the ground up, positioning you advantageously for long-term wealth accumulation.

Given that social security benefits may not be a reliable source of income and the middle class continues to face stagnation relative to inflation, it’s crucial to take full advantage of the freedoms and information available in a free society. Embracing this knowledge and using it to make sound and strategic financial decisions will be essential for achieving long-term financial success and stability.

Mid-Career Professionals:

You owe it to your mental health and your family to find the best way to spend your time, given how many people rely on you. To truly enjoy life with those you care about, working a 50-hour week is not sustainable. It's essential to explore options that ensure a comfortable retirement and build a solid financial foundation.

Finding a path that excites you about semi-retirement and enhances your overall well-being will not only set you up for financial security but also make you a more pleasant person to be around. By prioritizing your happiness and positivity, you'll improve both your quality of life and your relationships with others.

Retirees:

As retirees, you’re in a favorable position with your downside protected by social security and home ownership. With options like a reserve mortgage or asset stripping your home, combined with annuities or social security income, your financial assets are secure. This level of protection means that your funds are shielded from external threats, allowing you to pursue ambitious goals with confidence.

This security provides the perfect opportunity to build additional income streams that can enhance your financial situation even further. You can aim high and explore new ventures without the risk of jeopardizing what you already have, making it an ideal time to focus on creating supplementary income and maximizing your financial potential.

Unlocking Lendable Capacity

Unlocking lendable capacity is a powerful tool that can transform your financial future. This concept revolves around the amount of money you can borrow based on your creditworthiness and financial stability. Unlike personal loans, which often require a personal guarantee, business loans and lines of credit can be secured based on the credit profile of the business itself. 

Many people spend their lives working 9-5 jobs, making their bosses rich, who, in turn, build businesses that can access significant capital without personal guarantees. But with good credit, you too can build a business and secure capital without risking your personal assets.

A strong credit score is crucial as it shows lenders you are reliable and capable of repaying loans, which can lead to various financing options like business loans, lines of credit, and trade credit; to build business credit and access capital without a personal guarantee, establish your business as a separate legal entity, open a business bank account, obtain an EIN, and build trade lines with suppliers while maintaining good financial practices.

With a solid business foundation and good credit, you can maximize your lending capacity by applying for business credit cards, seeking small business loans, and leveraging trade credit to build capital, which can then be lent out at higher rates, effectively enabling you to become a banking broker.

As a banking broker, you facilitate loans to profitable businesses and earn through profit arbitrage by offering loans at competitive rates higher than your borrowing costs, while managing risk by identifying businesses with strong growth potential and reliable repayment histories.

By leveraging your good credit to build a pool of capital and lending it out, you can create a sustainable income stream, potentially allowing you to retire within a year by earning from the interest rate differential. 

To get started, assess your credit and financial records, form a business entity to separate personal and business finances, build business credit, secure initial capital through business loans, lines of credit, and trade credit, research profitable lending opportunities, and offer loans at competitive rates to profit from the interest rate differential; by leveraging your lendable capacity, you can transition from a 9-5 job to a banking broker, potentially achieving financial independence and retiring sooner while supporting business growth.

I'm deeply passionate about the impact we've had and continue to have on helping people. This book aims to show you the value of the approach we're advocating. If you'd like to connect with a business for credit union financing and start your new journey with your strong credit, visit us at SFCredit.com today.