How Ty Crandall Helps Entrepreneurs Access $1M in Business Credit

Ty [00:00:00] There's so many different types of funding out there and there's so many different lenders out there that lend in this alternative space that it is completely overwhelming and confusing

Ty and if I go to any of their websites, they do not say, I lend money based on your revenue if you have this, you get approved They just want you to apply. Like all they're saying is Apply, apply, apply, apply. And so I think the general entrepreneur population just really does not understand nor should they

Hector hello and welcome to another episode of the How to Scale a Business Podcast. My name is Hector Sania Esteban, and I am your host for today. Our special guest is Mr. Ty Crandall, and he's the founder of Credit Suite. And, we're gonna talk about getting businesses funding today. So Ty, welcome to the show.

Ty Thanks, man. Thanks for having me. Excited to be here.

Hector I think this is an important conversation because I think a lot of business owners, myself included, they think that Well, I remember the old adage, it takes money to make money. Right? And I have gone back and forth about whether or not people think, that that's the truth.

Hector But I don't think that a lot of people are aware of what you do or the fact that there's even a whole world of [00:01:00] funding and opportunities for people who are looking to get started. So I'd love for you to share with the listeners sort of why, this became your path and then, you know, some of the key stops that, that, were on along the way.

Ty Yeah, sure. So the first company I've owned was a mortgage company and I built it up, you know, scaled it to seven figures, and then the mortgage crisis occurred. So, you know, I learned very young and did my entrepreneur career that things can just come outta left field, like COVID, stuff that you just have no control over and completely knock you off your feet.

Ty and that's what I did. And I, I made a lot of decisions that other business owners make similarly where we, you know, I provided a personal guarantee. And so that decision and, that shift, I mean, what I did in mortgages went away overnight. So the business crashed. And as that did, I personally guaranteed everything, and it took me down with it.

Ty I mean, foreclosures, repossessions, trash, credit, I mean, everything that goes with that unfortunately, just, and business debtors come and completely clean out my personal bank accounts. I mean, I saw that. Firsthand. And so as I tried to rebuild the new company, I had no credit. I had no [00:02:00] revenue.

Ty I was trying to build the high risk industry. And so I really just started to discover the challenges of, you know, trying to get the money I needed to be able to, to start a business, under those conditions. And then. Along the way, I, got into business of helping people fix consumer credit and then, you know, people started to expose me to business credit or ask me about it.

Ty And at that time, there really wasn't any information about it, anywhere you could find online at all. It just didn't exist. And so I started to look into it and I realized what business credit could do and it could protect my personal assets and, and wouldn't have to provide personal guarantees. I realized it would've been the game changer if I would've known about it when I started my mortgage company.

Ty So I just really then became a complete advocate and started helping. business owners to be able to go out and to be able to actually be able to understand business, credit build, business credit. And then from there, brings me to where I am today. I guess it's a, it's been a long journey of, I guess, you know, 12 years now at this point.

Hector Yeah. One of my mentors, he used to say, and he came from the real estate sort of space investing. [00:03:00] He goes, said, Banks don't ever wanna give you money until you don't need it. And I was like, well, that's not exactly as helpful as I would've hoped.

Hector I think so many people are ignorant. not in a negative way, but like you said, there's just not, that information isn't out there. What do you think are the biggest things that people aren't aware of or that should be aware of, that aren't even crossing their, you know, their desks or aren't even, you know, coming, across as possibilities?

Ty Well, I think there's this old adage that's out there that, you know, that you can't get money when you need it. and there's some truth to that. I mean, the problem that I think a lot of entrepreneurs face is that they wait until they're in a really bad situation to try to go out and apply for money, and that's not the best time at all to be able to go try to go get money.

Ty When you are in trouble, and I don't know if you've ever been there before, but this is what I, something I've learned in my personal side. If a friend comes to me and asks me for like money, I will never see that money again and the friendship will be over. And I've found that because like that is their last call.

Ty Like if they are that desperate to that point, usually they are at a the lowest point. And they [00:04:00] usually, typically, from what I've seen, the experience, they just don't recover. And that's kinda the way that lenders look at this. I mean, somebody comes in, the revenues are declining, they're struggling to pay their bills.

Ty Then they go looking for money. That's the worst time because lenders don't want to lend to businesses that are struggling. They want to lend to businesses that are successful, that are growing, that the revenue is stable, that the revenue is increasing. So nobody ever should go out and try to apply for money when they're in trouble, when things are bad.

Ty And this is why I suggest that you should get all the revolving credit you can get. If you can get business credit cards without personal guarantees, without credit inquiries on the consumer side. You can get credit lines, get these. Like one of my friends, the other day we helped her get $300,000 credit lines.

Ty She said, Ty, what do I do? I said, take 'em off. I said, you should always take every kind of revolving credit you should get because you're not paying on that unless you actually use it or need it. And then you've got it there if you know, whatever comes up. So I think that everybody should be applying for credit early in the process and financing, [00:05:00] early in the process of building a business.

Ty Any revolving credit you can get, you should get, you should definitely be trying to get money before you actually need it and not when you're desperate for money. And I think if you're doing those things that it positions you well to have the best chance of not just getting approved, but like getting money at the best terms.

Hector as you're saying that, it makes me think that there's really a mindset shift or maybe a, philosophy, a way of thinking that needs to be, changed. I, I sort of came of age listening to a lot of Dave Ramsey and thinking that, you know, debt is the devil. And, of course people are, you know, have their reasons and, and it's worked for some ways.

Hector But, but I think that that prevented me from. What you're just saying and, being open to the possibility of taking funding or getting, you know, credit when I didn't necessarily need it or wasn't bleeding for it.

Ty Yeah, look, a lot of people I think are that way, but here's the interesting thing, and I often do this on live streams where, you know, I'll pull business credit reports from whatever company somebody wants me to, hp, Dell, apple, I mean, you name it.

Ty And we'll just look at 'em. And I'll do this in [00:06:00] webinars. We'll look at 10, 20, 30, 40, 50 of the biggest privately and publicly owned companies. And what you'll find is that 100% of them, all of them. Have, you know, tens or hundreds of trade lines of their business. They're all borrowing money. They all are.

Ty They all got to be that big because they are borrowing money. There's not one company that exists today from Amazon to Facebook to Navita to any of them. None of them got to where they are without borrowing money. Right. SpaceX, all of them. So like, I'm not saying you have to be that big or wanna be that big, but everybody that's successful, all of them, 100% of them that are successful, they all follow the exact same playbook.

Ty They're masterful at using OP nm. So we look at Walmart, you know, 80% of what Walmart puts on their shelves, they use business credit to buy. So if you look at their model, what they do is they get credit. They use credit to buy all the stuff they put on the shelves, like eight outta 10 items. 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.

Ty You walk through Walmart, eight outta 10, they bought on credit. They get your money. They use your money to pay [00:07:00] off the credit. That's their model. Now what that allows 'em to do is it allows 'em to save cash, and then they use the cash to open up new locations, right? It's why they have 10,000 locations around the world.

Ty If we look at Apple, you know, Dave Ramsey, steward of the world would say, apple, I know what to do. You have 130 billion in cash on hand, and a hundred billion in debt, right? Any Dave Ramsey Steward would say, apple, take your one 30 and pay off the 100. But Apple wouldn't be one of the most valuable companies in the world if they did that.

Ty What they're doing is strategically using other people's money to pay for everything that it will pay for. Then what they're doing is saving their cash and they're using their cash for r and d and again, an expansion into retail. So it doesn't matter what company we talk about, they're all exactly the same way.

Ty They are growing and expanding, using cash to do it, and they're running their operation using credit and financing. So Dave Stewart, I, I'm a fan of Dave, but Dave's audience is typically for people that struggle and have credit card debt and kind of struggle [00:08:00] financially to be able to develop budgets and those kind of things.

Ty You just can't have that mindset as an entrepreneur. Entrepreneur is all about masterful use of OPM. To strategically bring money into the business to actually grow.

Hector I think it's fantastic. leads me to my next question, which is, is there mistakes that people are making or are there things that people are, or ways that people are shooting themselves in the foot, you know, so to say that is preventing them from being able to utilize this sort of opportunity or access these things to the fullest.

Ty You know, I think one of the most shocking things that I've seen in this journey over the last decades is that, more than half of applications, like 60% plus of applications are denied because the business owner doesn't meet basic what's called credibility fundability. We call it funding ready criteria.

Ty So that means that business owners, when I stand in front of a large room, I say, give me an idea. Why do you think loans applications get denied? The number one reason people say, it's my income. It's my credit score, it's my time in business, it's my industry. It's none of that. The reality is the lender never even gets that [00:09:00] far six outta 10 times, six outta 10 times.

Ty You don't pass the basic sniff test like you don't have a proper entity set up. You don't have a business phone number, a business address set up. You don't have a professional website or a professional email address set for a business license or a business bank account set up, or most importantly, number one reason they get denied is information is just not congruent.

Ty Like I go search your business online. Yelp says this, and Google business page says this, and social media says this. Even if it's a little bit off, and then the lender, their computers can't even validate the business is real because the stuff is like convoluted. It's all a little bit different. So that's one of the biggest mistakes you see business owners make is like you have to understand that legitimacy and credibility is the number one factor.

Ty If you just get past that one hurdle, then you're past the one thing that gets 60% of loans denied. Then from there, it's kind of taking a second step of. Understanding your strength from a lender's perspective. They look at cashflow, credit, or collateral lenders. Look at either a combination of those three or one [00:10:00] of the three.

Ty So know what your strength is and know what you're applying for. Like if my credit's eight 50. Then I don't wanna go to a and have zero revenue. I don't wanna go to on deck and apply 'cause they'll deny me because like their lending is based on revenue. It doesn't matter if my credit score is eight 50 or if I wanna go get credit card stacking.

Ty I don't wanna go credit card stacking and make $10 million of revenue a month and have five 50 credit scores. They can't approve me the approval's based on credit. So like when you understand like the type your strength, whether it's cash flow, credit, or collateral. Then you can start to find the kind of funding in the lenders that lend based on that strength.

Ty Then it opens up the door for you to get money when oftentimes you might think you don't qualify. And then if you don't have one of those business credits, a good alternative. So those are probably two of the biggest lessons I've learned. Some of the business where it's credible. And then know what your strengths are and go get funding based on that strength.

Ty Because other times you're applying for funding that's looking at another strength you don't have, and that's what's actually causing you get today. If you just do those two things, nine outta 10 [00:11:00] times you apply to get money, you're gonna get approved.

Hector is the real challenge when businesses are getting, you know, going down this path or trying to pursue different types of funding?

Hector Is it that the steps are, are hard or difficult or criteria is sort of, you know, specific in that regard, or it, at least to me and, and push back and tell me if I'm wrong, but it seems like it's again, this ignorance thing where they're just unsure of what's possible, where to go, what.

Hector you know, how to make themselves appeal to a particular entity or institution. where do you think like the bottleneck or the, the real challenge lies once they've, you know, decided that they're gonna move in this direction?

Ty I think you get a couple things. First of all, I think it's just that as entrepreneurs, we just wanna move.

Ty We want to go, we don't like details in a lot of cases, and so setting up the business where it's credible or your funding ready right from the beginning, even if I tell a hundred entrepreneurs that two will do it, you know, 98 will not, because it's just, details they don't wanna focus on.

Ty So they just keep getting denied through the same basic things that if they just fixed once, they would never have that problem again. I think the second [00:12:00] thing, and the biggest problem is, that as long, you know, before DOD Franken, before this whole mortgage thing occurred back in 2008, like we had SBA that, that's, that was it.

Ty That was it. You know, you get an SBA loan, your credit's good, your revenue's good, your cash flow's good years in business, you get an SBA loan, and that was 90% of like all funding that happened. Then like we saw this mortgage crisis card, Dodd-Frank came in and all of a sudden things started to flip and now we're over.

Ty 90% of funding comes from alternative lenders, which sounds really good. Like now we can get approved if we have credit problems and if our revenues, if we're a startup all these times, we never could get approved before. But the problem is, that there are like. There's so many different types of funding out there, and there's so many different lenders out there that lend in this alternative space that it is completely overwhelming and confusing.

Ty And if I go to any of their websites, they do not say, I lend money based on your revenue. If you have this, you get approved. They just want you to apply. Like all they're saying is Apply, apply, apply, apply. And so we just, I think the general entrepreneur population just really does not understand, [00:13:00] nor should they.

Ty To understand the multitude of complexities of different kind of lending and credit products that are out there and what actually works for them. You know? And that's really where I've dedicated my career is like bridging that gap and AI's helped us tremendously to be able to say like, here's where you are and here's what you can get overall across the board.

Ty Then if I go to a lender, they offer like two products, you know, and both of 'em are based on my revenue. So again, if I don't have revenue, I, I can't get approved. And I think I'm done. But then I have other things that I could have got approved with if I went to the right source. I just think it's overwhelm.

Ty I think it's complete confusion. Entrepreneurs shouldn't have to try to figure this out. And by trying to figure it out, they're just, they're just impossible. It's just, there's just no way they're gonna bump into the right kind of funding product, especially the right lender that could lend based on their unique situation.

Hector Yeah, I would imagine that a lot of it was against this ignorance and information problem. And then I'd imagine that over the last several years it swung the other way and sort of become, like you said, overwhelming and becoming, so much information to weed through [00:14:00] that, people are getting lost in it.

Hector Ty, when we get back from break, I'm, curious about, you know, whether there are, again, there are steps. one of the two things is either, you know, how do we do it or what's possible. And so I think that, we're gonna get into a little bit more of, creating a concrete image of, of what people, can do with their businesses and, and the possibilities.

Hector we're gonna get into that right after the quick break.

Hector Hey, on today's episode is brought to you by Amplify Media, and we are a podcast and content production company. Well, we actually like to think of ourselves as like the media entity of your company because chances are, if you're listening to this, you probably have a product, a passion, a mission, a message, some sort of service you're trying to get out to the world, but you might not have the time, the team or the tech skills to do it.

Hector If that's the case, we can help go to amplify media.com. That's A-M-P-L-A-Y media.com. You can also check the show notes for the link. And with that, let's get back to Ty. So Ty, one of I'm, I love this 'cause I'm, again, this ignorance thing, I'm Exhibit A, I'm so ignorant. Tried to do everything on my own, you know, use my own, my, all, all the mistakes you talked about, I've made them.

Hector And I think one of the coolest things is, is hearing what's possible or hearing how people have really [00:15:00] utilized this. so are there any favorite either, case studies or success stories, clients that you think of? People who really sort of took this thing and ran with it?

Ty You know, I've got a lot of them.

Ty And, um, one of my favorites is one of our clients, Christine. And, and this is like old school. I mean, I'm gonna age myself here, but when I was first live streamed, it was on Periscope. All people don't know this. Like Periscope was like Twitter's livestream. Like that was, I remember livestream first existed.

Ty It was like very reverse. So I was like, peri skyping and figuring this whole thing out. And then I met this lady, Christine, and she came in. An over the road trucking company, her and her husband Brian had, and they tried to build business credit. They'd failed, they towards a few companies and they'd failed.

Ty And just had a lot of the same struggles, you know, credit issues and, didn't have the means to get financing. and we're kind of ready to give up. And then, she started following my live streams and we started talking through it. I used chalkboards and whiteboards and then she became a client and then she started to understand the right way to do it and started getting a lot of the accounts that she needed right away, the fuel cards, which in Trucking's a big deal.

Ty Like it's 600 bucks to a [00:16:00] thousand bucks to be able to fill up your truck. So she started to get gas cards everywhere, 10 K 30 50 k. And then that started to offset expenses and then continued to build her business credit. And then when she realized was that what happened in the world was that the contract she was bidding on, they were looking at business credit to determine the approval of those contracts, and she didn't know that.

Ty So as she started to build business credit, all of a sudden then she started to get approved for all these more contracts and all this more work, and she secured. Well over a million bucks in business credit. Last time I'd talked to her and she was buying a 50 truck operation from a one truck operation, and they, they were growing simultaneously, a couple other businesses, so that, that meant a lot as well, to be able to see her success.

Ty And another one, interesting enough, new Year's Eve, Julius. So this guy was homeless. I mean, legitimately homeless. And, struggling and then kind of found my trainings and started going through, and I don't even know how he was able to pull it off at the time and then started to actually, you know, figure out he could get some money to invest in the business and started to actually grow his business.

Ty And now he's super successful. I mean, he's so. [00:17:00] appreciative and, and so he was actually at my house. He lives in Atlanta and he flew down for my New Year's Eve party, and I get to see him once in a while. And, and you know, driving to Mercedes and has, a big house in a very successful business and starting another successful business.

Ty So it's pretty cool to watch people go from like homeless or, you know, absolute failure to success. And I could sit here literally for hours and just tell you story after story after story. Of somebody that's similar because what it comes down to, I found, is that, look, entrepreneurs, we're powerful beings.

Ty If we have the means to be able to accomplish what we wanna accomplish, capital and lack of capital is just a massive barrier that holds people back. If you can remove that one barrier, then people's ability to start, launch and grow, as you know, significantly greater probability of success. And that's really what I love seeing is what happens with that barrier as you removed.

Ty And people have the ability to kind of grow, grow the company, and, and fulfill those dreams. Pretty cool.

Hector Yeah. Naval Akan, I'm, I thought I'm a big fan of him because he, you know, his fourth part of, of leverage is media and content that's like, you know, why we are so big on what we do. But the other part of [00:18:00] it is, money and financing investing, it's just the ability to create, you know, more leverage, more resources, I think is really what, what you're talking about allowing, I believe you even have a, playbook or a blueprint that people can download and go in and utilize,

Hector And we'll link that up at the end of the episode. but what are some of those steps, or if you can kind of lay out the map, if you will, what are people, needing to do to get this thing rolling?

Ty I look at it two different ways and I'm not saying this is the official way, it's just the way I've always found to explain to my tribe easiest way.

Ty So I separate business credit from financing, and when I look at financing, I look at loans and credit lines. And then when I look at business credit, I typically am looking at, you know, credit cards of some source. I like to separate those two, and it's easier to understand what you can get based on that separation.

Ty Now business credit's something that any entrepreneur can get. Like I could literally launch a business today with 500 credit score, no collateral, no verification of cashflow, and I could build my business credit to a million bucks in a year. a hundred percent. If you follow the blueprint, if you follow the steps, [00:19:00] same steps.

Ty All the big companies follow. Then you can absolutely be successful. And I think, that is something that's essential. Then you've got financing, and we can talk about that in a minute, but with business credit, we've already talked about that first step. You gotta set that business up where it's credible.

Ty And the easiest thing I say is that any line item on an application when you're filling it out, like does it make you look legitimate? Like if it asks for your address, you're putting your home address. Like is that really the light that you wanna shine? Like is that the going to give a lender the highest?

Ty View of your business. You know, if they're asking for a phone number and you're using a home phone or a mobile phone, like, is that what you want people to see that you're using as your business phone? So a lot of that says common sense and we, find there's 120 of these funding ready factors that lenders and credit issuers look at.

Ty and at the end of this, I think you'll give a link where somebody can go and get a funding ready score. Like we'll take a look at your info a hundred percent for free. And then tell you like, here's your funding ready score. Here's the stuff that's good. Here are the stuff that's wrong. Like you've gotta fix this stuff to be able to be funding ready.

Ty So that'll be a hundred percent. We don't usually do that on our website or anything, but I wanna give that to your [00:20:00] audience, so that'll help. On the funding side, you gotta get yourself up with your funding. Once you've done that, the next step is to start building initial business credit accounts. So you've gotta go out and get approved for what are called starter vendors.

Ty And these vendors, what are unique 'cause they'll approve you when you have no credit and they report the credit they give you to a business credit reporting agency. They do these two very unique things. So these starter vendors will then give you credit to buy whatever outdoor supplies, office supplies, you know, swag, like whatever it's that you wanna buy.

Ty And they'll approve you for credit. You use the credit you, buy stuff, you pay it back, and then those accounts report to a business credit reporting agency. And once that happens, that's what gives you a business credit profile. That's what gives you a business credit score with Dun and Bradstreet, with Experian, with Equifax.

Ty And that's really the second stage is we go from being where we're funding ready to then getting accounts that help us build initial business credit. And at the end of this, I'm, I think you'll give that link that we're talking about. And that link, again, gives a hundred percent personalized recommendations of Here's what's on your business credit report.

Ty Now [00:21:00] here's the next accounts to add. Like, here's starter Reers that will help you get. That initial report and score off the ground again a hundred percent free as part of that funding blueprint. So once they get to that point, then you have a business credit portfolio, you have a business credit score.

Ty Now you can start to get. Revolving credit card accounts. And that usually comes like in this stage, in two forms. One are called fuel cards, like fleet cards. And this doesn't work for me. I'm in the office. I don't need, to fuel vehicles. But if you're on the road, transportation industry, trucking, if you're a plumber driving around everywhere, all those kind of people, well then this helps you a lot because this helps you actually get the fuel and maintenance and repair vehicles.

Ty and then you also get retail credit here. Most retailers offer corporate credit without personal guarantees. Without personal credit checks. I mean, we're talking about all the credit I'm talking about here does not require a credit check. It's regardless of credit quality, there's no revenue requirements.

Ty You can get it as brand new business with no revenue. You don't need assets, you don't need, I mean, this is money anybody can get, anybody can get it if you have a business in the United States. [00:22:00] So now we're getting credit to retailers. I'm talking about like. The places you buy stuff now, anywhere, right?

Ty Office Depot and Home Depot and Sam's Club, Costco, Lowe's, Amazon, Walmart, Ikea, I mean, even Nordstrom and Macy's has corporate credit without personal guarantees, a credit check. So like most of what you need to buy in your business. 90% of that stuff, these kind of credit cards could basically pay for you.

Ty They can handle for you, and you're getting 10 to $50,000 individual limits on these cards. Then when you get to a point where you have about 14 accounts or so on your business credit reports, then you get to that final stage of business credit building, which is auto financing. And again now we're getting visa cards.

Ty MasterCards are what we call universal credit credit cards you can use anywhere. And that's the kinda the final stage of business credit building. So, you know, normally you have two, three years to get there. Like our clients get there, obviously way faster in about six months time, but it takes you about that long to get to the end of the process and you start getting credit from the beginning of the process on.

Ty And that kind of maps out the exact steps per se, to be able to successfully build corporate [00:23:00] credit and then use it to get the money you need to ultimately get your business to fund itself.

Hector that's incredible. And we we're definitely gonna link that up in the show notes there.

Hector I wanna ask you a little bit about technology and ai. I like to ask all of our guests about how it's sort of impacting the industry, but is there anything else that you think would be helpful in terms of the actual mechanics or the execution of these things that.

Hector People will find helpful when they're going out. you know, and applying,

Ty I think we touched upon a lot of 'em. You know, set up your business where you're funding ready, build the business, credit profile and score. I mean, that's as important to your business, getting money as you are personally, if you're out trying to get money and struggling well.

Ty I mean, you don't wanna lend to a business that has no credit profile, no score, no history of paying their debt. So I think those are big things. And then really understanding the kind of funding you can get is very, very important as well. There's a lot of funding out there as we talked about. So, in the link that you'll give out in that funding blueprint.

Ty We actually incorporate, to your point, with ai, we've created our own what's called Fund Smart ai, and it actually looks at like every single 100% of the legitimate funding programs that are out there today. I mean, there's nothing out there that we don't, [00:24:00] unless there's something we don't know about.

Ty Everything out there that exists as, plugged into the AI over a thousand plus lenders. And then this funding movement will even tell you like, here's all the funding you can get right now. So that way you always have an idea of the money you can qualify for. And the types of funding to go and get. So, 'cause I think that's the other thing you should know.

Ty You just gotta know the kind of funding you can actually get. But if you know those three things, how to set up your business, where you're funding ready, how to start building that business credit profile and score to then from that point compound off of, and the kind of funding you can get. If you get those three things, then you're, you're well on your way of getting all the money you need to grow and that funding blueprint link, we'll be able to give you off.

Hector Yeah. Fantastic. And, and it seems, you know, the big thing for me that I'm taking away is like the, path away from ignorance is like education and information, and that's sort of what you've been doing a fantastic job from. And I, I do remember the Periscope days and so, I think we've both been, been talking for, for quite some amount of years.

Hector Um, I've got, I guess, three questions for you. The first one is, With AI and the tech, you know, things that are changing so quickly and even [00:25:00] maybe I'll expand it to, you know, whether it's geopolitical or economical or, you know, things are changing so quickly. is there a signal amidst the noise that you think is worth paying attention to?

Hector Or is there something that is happening amidst all these changes that you think is significant enough for, for people to, again, pay attention to.

Ty Well, you gotta pay attention to AI in general. I mean, you know, AI is, destroying a lot of sectors, jobs, and the way things are done and it's creating new, and I think that if you're an entrepreneur today, you have to be looking at what AI and nobody knows.

Ty I mean, even those people that are creating it right now really do not even know what's gonna happen in the next three to five years. But you have to be getting an idea of what is going to change and what it's going to change in the world. And you gotta be on the right side of that. You know, you gotta be, you know, like if you're a copywriter, you're in trouble.

Ty Like, there's just a lot of positions that are already, being replaced by ai. So I think that's something you have to be aware of as you're growing a business today. You have to really look at what AI is going to disrupt, and then you need to be on the right side of it and doing the stuff where AI is gonna create a [00:26:00] disruption in your favor, not, a disruption against you.

Ty I mean, that would be my biggest piece of advice.

Hector Yeah, I think people think that they had a timeline or, you know, they think that they had time. I think that they've gotta like, cut that in half or maybe even a third with how much Yeah. You know how quickly things are going.

Ty Yeah.

Hector if people wanna find you, get more connected with you.

Hector I know you've got, you put out a lot of content, a lot of resources. Where's the best place for people to go?

Ty We got a link at credit suite.com/blueprint, and if they go to credit suite.com/blueprint, then it just gives you this really cool funding blueprint. It's less than a minute of your time.

Ty Integrates with business credit reporting data gives you your funding ready score. Tells you exactly what to fix. You take the exact steps to fix the stuff. Tells you exact business credit accounts you can get now to start building business credit. And then it tells you all the funding you can get right now.

Ty So it's like you don't have to do any of the thinking in less than a minute. You know it all, you can even log back in and go back at any time to check it out. So, it's pretty cool. we're really happy with it and a lot of people out there are using it. So check it out at, uh, credit suite.com/blueprint.

Hector Amazing. And, you guys can [00:27:00] always check the show notes for those links. And, last question for you, Ty, in your opinion, what is the secret to scaling a business?

Ty that's a good question and I would basically sum it down to one word, which is resilience. It's, this is what it comes down to.

Ty You know, it's interesting 'cause doing this a long time, I've been an entrepreneur for a long time. And, you know, I still read books and talks, talk about the stuff that created, you know, the way that I think now, but you just have to move forward at all costs. and that's what I think it is. It's, it's interesting and how I hear people that are not as much entrepreneurs or beginning entrepreneurs complain about so many things that are bad in their day.

Ty And I'm like, wow. I just, to me, I, nothing is bad. Like it's all just a step. Forward a learning experience towards where you're going. So if there's one trait you have, if there's one thing I think you have to do to successfully scale, you just have to be resilient. If you had that one thing and you're good at have being resilient, then the rest of it you'll figure out along.