 Yeah This is my this is my My my video portal What does that it consists of? Well, when you when you own and manage and run a print shop, you can do all this stuff Right. It's so weird how I call you up. It is like you are the day I go business is like You don't have to go anywhere to do a lot of stuff brother no Hey round up. What's going on everybody greetings class happy MLK day to you today. I Hope everybody's doing well. How's the weather there in the district of Columbia? So Actually, I talked to my folks that down in the Shenandoah Valley and they were having snow a little while ago But an altitude though. Yeah, they are then in the DC area. Who's you know, it was chilly this morning It's not it's not freezing. It's in the lower 40s. That ain't bad No, it's it's been sunny all day Well, thanks for taking the time go ahead down there It's chilly today very chilly today, bro. So I'm like we're in the upper Mid-40s. So a lot more colder than I thought it would be Yeah But I'm thankful though, my friend. I'm thankful Yeah, man the round up we're gonna talk today about chris uh has got Qualified actually for these business credit lines. I want to show we're gonna share with you his step-by-step exactly what he did to qualify for this stuff Chris birch is a full-time entrepreneur actually a friend of mine and Mentor too. He does business has been in business. How long you've been an entrepreneur chris? Or ever Yeah at the last So I'm 44 now um The last job I had Was uh working at a summer camp when I was in high school. Mm-hmm So you've been entrepreneurial forever. Yeah, so uh chris Was hooked up with some of my Another company that we're gonna talk to you about and if you don't want to hear as blab you can always just go to the video and then link uh the the link in the video description and go ahead and See how much you qualify for it too But chris is gonna walk a step by step how he went through this process And the good thing about this stuff is you do not need to even have an LLC set up yet This company will help you Round up i'm chris haskins my mission and ministry is to raise your financial literacy through real estate investing in Entrepreneurship and during that I just want to bring bring to you the most up-to-date information that I can find Beating the streets shaking the trees people I got a million people contacting me to come on and share different products But I have to vet them all so that's what we're doing today I've already vetted this company and you're gonna talk to chris birch and he's gonna share with you How he was able to get over a hundred thousand dollars of business credit lines to do whatever the hell he wants to do chris birch What's up homie? Not much man. Not much another another day in sunshine How you hanging in there with your with the printing and the uh Shutdown and the pandemic and all that good stuff, you know, I was talking to an associate earlier today and now typically every four years This week for us in the print world Is busy as can be because we have an inauguration for our next president. Yeah, that's right We are doing this much printing right now Are people showing up for the inauguration? Nobody's even being allowed to come there are very few select guests that had Along with the house and the senate members that are gonna show or will be there um, you know, and then we had all this turmoil last week with People, you know rioting at the capitol. So now this town is in complete lockdown. You can't get I drove actually not far from the capitol You can't get within about four blocks of the us capitol You got guards and ak or so rifles metal fences You've got guards with ak's every five or six feet going down the sidewalk Sad. Yeah. Yeah. I heard this morning So the inauguration is in two days on wednesday There's gonna be 25,000 national guard on the street Just around the capitals. How much is that shit costing? Who knows man Anyway, yeah, we don't want to get too political, but no, no, no, no, but my point being what you're asking about is Um, how business is in general. So normally This week we'd be printing up, you know party information They'd have all the different presidential balls. They would have All of the night clubs people coming in town, you know from Atlanta from new york, you know all over the place Typically it's a celebration and this year. We're basically going to be sitting in the house. Maybe If we're politically inclined to watch it we watch it on TV or on the internet and That's about it you know, so What would we normally be doing we would normally be pretty darn busy right now doing last minute stuff, but Not this year Well, I'm glad that I had an opportunity to share this Time with you and with my roundup homies Listen roundup. Chris is going to just go over what happened how he was able to do this And if you're interested in getting qualified to see how much you qualify for That link is in the video description. Chris give us the backstory of your business and why you even why does this Business credit lines even Raised your spidey senses so to speak Uh, I learned long long time ago Is if you can get it when you don't need it That is the best time meaning as if I don't I don't need cash But I'll take a line of credit because I can use that line of credit and not have to use cash And that's from a businessman standpoint Um You know these lines and we'll go into details, uh, if you want But you know, you can use these lines for a short term What let's say it's a project Let's say for for my print business or for my real estate business if I just needed to make a supply order today and I knew In two weeks in three weeks in two months That I could pay that back. I'd rather use that line of credit Um, not to jump too far ahead But most of these lines start out at zero percent interest for up to 12 months crazy. Yeah crazy. So it's basically Cash is basically cash available to you to use at your own discretion To invest in your own business it doesn't have to be A brick and mortar business these funds are available for pretty much whatever you want to use You just need to be careful with how you use them Who is this not for chris? This is not for Someone that has not has proven Not to be able to manage their own money The and I don't even want to say startup is a bad thing I think I think this is a great use for startup as long as you know what you're doing. Yeah, right It's not for In discretionary funds like shopping Going out and buying something that stands no Chance of recouping any sort of gain You know because these loans are lines Um, they do have a time stamp on them. They are going to start incurring interest at some point. Yeah You are gonna owe the full principle that you borrowed plus whatever interest it incurs until you make it whole again So it sounds like we need to use these for investment Purposes or business purposes only. Yeah, I mean I used one of them. I'll give you a perfect example To purchase a piece of equipment For my business, right? Most people would say, oh, that's kind of crazy because you're gonna pay interest on top of it But if I can take the funds that I'm recouping from that piece of equipment And pay that loan that line of credit down as fast as possible Then I basically got free financing Sweet You know, I think it takes a mature level of maturity in your business to understand What the what the definition of really free is, you know, when we think about loans and getting Pre-reproof of stuff someone's going to let you borrow so much money When you look at it, it's like money you didn't have yesterday. You got it today, you know It's just kind of a Mature ration thing. Yeah. Yeah I would definitely agree with that. Um, again, it's not for Going out and creating more debt All right, um It it affords you the luxury to stay cash positive and use Use these lines at a rate For a, you know, 12 to 18 month period not paying interest when it does incur interest um You can still use it. I mean some of the lines on The the program I was set up with Are in upwards of $50,000 and that's just one that's one line of credit Well, even at the high interest rate You know, once it starts incurring interest If you can use those funds to strategize even if you have to make an interest payment for a couple months Get it back. What can 50 grand do in the world of real estate 50 grand in the 75 80 real quick Yeah, I promise you I promise you that the interest rate that you're going to pay on that line It's nowhere near that 25 or 30 grand that you could make with that 50 I mean, even if you were to make five or 10,000, I'm just like is This is peanuts for what you're spending and when I think about hard money chris. I mean just Every time you use the money you got to pay points Every time you borrow the money you got to pay interest up front every time you do the money you got closing calls And they're not giving you a hundred percent of the money anyways That's crazy Have you ever used the hard money? I know you've been fortunate enough to kind of have uh been a business person for so long You know what? I almost did and when I said when I almost did I was so close. I sat down at the table They broke the whole deal down Um And when I when I saw the monthly payment That was going to be due on their money And I saw points on the back end of what it sells for And then that money that money disappears quick most hard money that I've talked to Nine to 12 months is the most that they'll do it for you. So you got to know what you're doing You know So round up as we continue talking to chris I'm going to go ahead and if you don't want to listen to us blab you can just go to the link in the video description Find out how much you qualify for Yes, it's one of my associates one of my affiliates. We'll make a few dollars on this I'm putting the disclaimer out there But that's what we're in business to do right so it was it has been able to help chris As a matter of fact, we did a deal together. So I have seen this in action I promise you this stuff works. I'm not here to sell you the type of wood nickel I seen chris go down there and do this and we're going to continue to sell To talk to you about how we did it So if you want to go ahead and get qualified just go to the link in the video description Then head on over to the site put your information in already is his name and email address So chris tell me about the process dealing with funding grows. You know, my people's over there mic Yep So I was obviously Affiliated with funding growth through your youtube channel. I clicked on the link in in the video It took me to the basic Registration page entered some criteria The following day I received a email correspondence and then a follow-up phone call from the Associate at funding row that had been assigned to my application They did a credit check that day Actually on the I think on the phone. I think he ran it while we were talking Um at the time there were three minor minor derogatory Flags on my credit He wasn't concerned about it. He actually said that They have a program as well as an organization within their company that helps remove Derogatory things now these these things have been on my credit I don't probably 15 years so they can easily get those off because they haven't been Reported they just sat there idle Um It had no bearing on the loan itself or the lines itself They just said we can get you more money in the second round and third round If we strategically get these certain issues removed from your credit Sweet Yeah, so I will point and I'm sure the the question will come up It's not it does not show on your credit But it is right. It does not show as Any of these lines are not going to show up when you put your credit They base the rate and the amount the dollar amount is based on your credit score But it does not go on your personal credit Gotcha Based on your credit score, but not on your personal credit your credit worthiness. Do you pay your bills on time? That's what they're there. That's the initial um Concern that most people might have is oh, I have decent credit or I don't have enough credit. Well Funding girl actually works with people to improve their credit. Let's say you only qualify for 10 20,000 right maybe 5,000 I'd recommend at that point possibly taking that line of credit Doing some things to improve your personal credit You know and funding girl has programs that'll help you with that Don't they have like a company that will walk you down? I mean, I've never seen a company that will help you improve your credit and pay off some other stuff to help you get qualified And help remove any derogatories that are already there So round up, I forgot to mention you will get a discount. I have negotiated I forgot to tell you guys since we do so much business with these guys They have given me a discount as a $500 discount on their services So you have to use our link you have to come through our portal In order for you to access that discount. So that link is in the video description So chris after you turned in all your financial stuff. No before we get there I forgot I remember you said something about being bank your bankability and just the general speaking in the entrepreneurial world We don't even go to banks because of we write off so much stuff talk about that with you so The bankability part for me is I have Tried for years and years in business to qualify for a traditional bank loan or a traditional bank line of credit I don't want to say it's a waste of time But they are they are going there. I mean I've been in business since 2005, right? Tell like it is. Yeah, and At first people would say they weren't qualifying me for a loan or a line of credit because I wasn't asking for enough money But I was only I was asking for what was manageable for me in business What what did I think was something that was manageable? and Yeah, part of it was it wasn't enough money for a traditional bank to loan but at the same time the criteria is so high You know, yeah, they're going to still check your personal credit They're going to check and see if there's any dings on your credit any lender is going to check that Um, but then they'll come back with this whole heap of reasons as to why it doesn't work It was whether maybe it was an equipment loan that you requested and they don't think the equipment is value that Whatever your purchase at price is So they're not willing to do it. It's just it's more red tape is what it comes down to Yeah, I'm I think is I remember trying to apply for loans. It was like Dude, you're just wasting your time after over and over again Writing off everything. It's almost like a catch 22 for us entrepreneurs. Would you say with the write-offs and yep yeah complete waste Surrounded this stuff is going to be on your business credit and Chris, what if somebody doesn't have it? I know you have an established LLC. Do you know what? How did they look at people that don't have an LLC? Um, they funding grow doesn't care They can actually help you set one up if you if you so choose they I mean, they're They're structured. Um, I don't know if they actually set it up or they recommend because the your your LLC would be in whatever state you're creating that business in I don't know if they offer that But they do have resources in their portal To get that, uh, LLC set up as well Gotcha. Yeah, it's not needed. It's not a requirement So let's say you're going through the process. How does it work? Do they open up? Well, just explain to me They say you got to prove. I mean, you got it. No doubt. You got a large amount of financing Yeah, how do you get access to that those business credit lines? Is it like with Home Depot or Lowe's or so it it is Normal traditional lines of credit American Express Fulton bank Bank of America Chase All right, so if I went to chase directly I wouldn't know what to put in all the little columns To qualify for the line of credit that I got approved with through fund and grow But fund and grow already has relationships with these institutions and they can pitch Someone like myself and my business that has pretty decent credit, you know, it has a good length of credit as well And they knew which lenders to pitch my request for lines of credit to Based on what they saw in my application Yeah, I was going to ask you that why wouldn't you just go do this on your own? I'm thinking I can just call up the banks and Ask for business credit line. No doubt. I've tried that since 2005 Doesn't work No It's crazy when I talk to Mike and the relationships that they have well, you know more than me Tell me about that. Chris. I mean it's almost like they got people on speed dial or I don't know They they will respond within hours or within the same day To whatever request that I might have so like for them to say Well, Chris, um, you know, we're looking at your criteria and we're gonna put applications in with bank of america chase and american express and Was the other one fulton bank. So I said, well, I mean, I guess go ahead. So within Two days I got the first approval, which is american express. They they approved it for 25 000 and they then fund and grow then informed me they were going to put in for a balance increase The next day american express upped the 25 000 to 50 000 And they they I don't know how they did it. They just did it So that is crazy. Chris the next day the next day um Yeah, I know I've said this before I was trying to pull up the Go ahead the breakdown of Round up get your questions in while chris is talking about how you were qualified for these large business line business credit business lines of credit Get your questions in for chris because he's already going through the process Okay, I was wrong american express approved me for 18 000 on the first request Okay, and then increased it the next day to 50 000 That's crazy, man. Yeah, that's crazy. Yeah, and this This was not even a year ago. This was january 28th last year That's crazy, man. Yeah unreal But um, I was trying to get the balances of approval Got it. So american express is 50 Chase bank is 18 Bank of america is 12 And folton bank is 20 So it's almost like they're layering these credit lines together to give you one big one Yeah, exactly use them exactly exactly. Yep Yeah, and you can use them in different in different scenarios you could use The american express for a specific project. That's, you know, chris haskins real estate deal, whatever it is And I could say well, you know chris, do you need how much you need to rehab the house? Well, I need 50 Okay, great. Boom. I can now fund chris's deal. We work out whatever agreement But then I still have the other lines another 18 another 12 and you know You can use them. It's it's not like you're restricted. I guess it's the best way to say it Because you can use these different lines for any purpose Yeah, I'm thinking with that Uh, I would just use it for construction costs because if I say if I bought the house Whatever I financed it Correct, you can literally take those cards to a home depot or to any supply house Yep, exactly swipe it right at the counter and start your project done with it. Yeah With it That's cool round up. I'm just giving you the information how I see it I've seen chris go through this process the man got over a hundred grand if you're out there looking for financing At least give it a shot See what you make qualified for with the mic or mic banks or my homies over there fund and grow They've been doing this for I don't know how many years Yes, you could do it on your own You could do what you're doing like chris is saying but I'm like the relationships they have just it's just unreal Exactly exactly what would you say to somebody that's a little nervous about turning in their information or running, you know A lot of us are kind of squeamish when it comes to this credit thing I mean, this is an accredited company. There are nobody there. I mean What did they just buy like a 200,000 square square office building that they're now putting more, you know work centers people in This is this is no fly-by-night type of organization by far that they are I don't want to say that they're accredited but How they've treated me that that I would consider them accredited if you value my opinion of how they operate Yeah, even how they operate with me and how we do business together. It's uh, it's world-class I gotta say world-class they've been around round up get your questions in if you get anything for chris The man is walking to walk Talking to talk and I only talks it but uh, you know, we hang out together and and baltimore You remember chris from our baltimore video matter of fact He was the one that brought that lead in And you have another house up there in baltimore. Don't you grip? Yep. We actually just getting started on the renovation So i'm gonna be posting videos and whatnot on youtube as we go through that process Working on a row home in the city of baltimore I can't wait to see that can I I would like to use this for my first hold or flip good for you good for you You can you can ray taz Do you have to have an llc to give business credit lines chris? You do not have to have the llc setup. No So from my understanding ray taz 50 Mike has people at fund and grow they have people that will actually set up your llc for you Yep I've seen it man What banks are preferable for small business. I don't know that chris might know Preferable for small business None of them have helped me to be honest with you You know me we neither No, I've spent more time Submitting paperwork and going down the conveyor line of the qualifications And you're waiting and you're waiting and yeah, it's a it's a waste That's terrible, man Denise wants to know with funding growers to feed get funding 3000 and if I have an llc will they'll still look at my personal credit Okay, so there is a fee but with chris's link It's I don't remember the dollar amount, but it's a drastic difference than what you would normally pay. Yeah And they will pull your personal credit Because that's how they determine your credit worthiness It's not going to show up on your personal credit score. So it will never show up that American Express or who are all these lines that you get approved for those will never show up on your personal credit So there is a fee Denise, uh, I can't even remember what it is But I promise you if you could go you could go to write to their website You're gonna you're gonna pay more they gave they're giving us a $500 discount And you can just find out how much you qualify for in the Video description the link to head over to fund and grow isn't the video description in my round uppers David wants to know how much did you pay and can the credit card wire internationally? That I don't know but I do know from my travel experience years ago You can use Most credit cards internationally as long as you call in for pre approval because if I just show up one day in Russia and start swiping my American Express card and I've never used it in Russia They'll probably flag the account and put it on hold. So if you're gonna use it that way Call the the institution that your card is with let them know I'm gonna be traveling abroad if you see any, you know Charges that's most likely me Good idea. Yeah, maybe he's doing business internationally chris Maybe That's cool Yeah, do you remember what your credit score was chris? It's I mines above 700. I'll give you that okay funding row Does not require a credit score to get funding approved They would like to see it above 720 If it is that's not saying if it's lower they won't get approval They've just from their experience in the years of them doing these lines of credit applications They say the sweet spot is 720 and above to get maximum funding to these lines. Got you. Got you David that's a good question. What were the terms on that chris? I don't know. Is there a 12 month term on it East line is different. Uh, bank of america was the shortest term. I think bank of america was either eight or 12 months. No interest american Chase was 18 months and folton. I believe was 12 months as well Sweet you said no interest zero interest on all cards But the time frame that they allow zero interest is different from from each lender Gotcha. Gotcha Denise, uh, can you tell me your interest rate? Oh, we just talked about that. Wow Yeah, zero percent anywhere from six to 18 months. It just depends on which lender you're approved with Gotcha And do you have to pay fund and grow a fee for the amount that they're funding? so They have two programs and if you go back on chris's channel, he did a sit down with mike Mike banks at fund and grow he breaks it down A lot better than I ever could but they have two different ways to apply for these one You can pay up front. The other one is you don't pay But they then take a percentage of whatever you're approved for I don't know what percentage that is They have two different programs. So if you don't if you don't want to spend the money today To apply They one they actually have you can make three installment payments as well. You don't have to pay the full amount Gotcha. Yeah, I think it's like uh, Denise. Who is that? Denise, I think it's like $3,500 And if you use my discount, it's like 29 50 or something like that Yeah, uh, what's the fee? We just talked about that Uh, Mark, do you manage the lines through funding grow? No, these are these are my lines of credit that I manage as a business owner um, they do have an affiliate of the of funding grow That will you have to pay for it? but we'll Basically do the line items for you if you don't, you know, they have a firm and probably a cpa firm They work with that would do that But you know, I already have those folks in place for my stuff. You're already paying for that Yeah, I literally scan a statement and send it to my bookkeeper. Got it Uh, we talked about that the other day. Why would you do bookkeeping y'all? Me and chris were laughing if we used to Man I did too I talk to business friends and they say I pay too much for it. I love the fact that I just don't have to do it One last thing on a plate Oh my goodness saturday morning or sunday morning drinking coffee sitting at quick books online and doing line item data entry That's the worst dude. I would rather oh, I'd rather go paint a house or something Yeah, that's rough That just goes to business owners entrepreneurs brother do what you're good at Well, it took so chris you can you would agree with this. I know It took all of us time to realize How much that little couple hundred dollars a month how much time you're losing by trying to save a couple hundred dollars And it's painful because you're like, I can do it. I can do it and I wanted to at first I wanted to see it So I understood how it all worked But then weeks would go by and paperwork is just stacking up and stacking up and I because I'm not doing it I don't want to do it It dreaded it. Yep dreading. I'm like, man. This does not make money Chris, what are you doing? Do shit that makes me So I think we've all been there chris. I remember my account used to call me a shoebox boy Another shoebox boy coming in with receipts coming in Yeah Round up find out how much you qualify for that link for my discount for funding grow is in the video description Chris birch ladies and gentlemen. Good friend of mine entrepreneur. Get it questions answered by the man that's doing it Entrepreneur real estate investor. Thank you I wish I would have got that house. You did man. I Anyway I killed that video remember I came by the house and you were like doing some final stuff with that staging company Right I deleted that video man. I don't know why I did that Yeah, I was gonna come back and then you sold it that day Yep, I couldn't even get back to the house. We listed it on a friday At an open house on sunday And had three offers monday ratified a contract on tuesday. Yeah, that's just stupid And and if you recall it was an all cash no contingency offer. That's right Why I wouldn't have bought that? No, you gotta buy that Karen wants to know have you went through the second round yet chris? I did I did so second round was Two weeks prior to covid hitting the united states of america so We spent about two months of going back and forth with Associates at these different lending institutions that were For a couple months working from home So we just got correspondence this past november that there will be balance increases But it's going to be based on Some of the covid relief funds that were being Put out there So we haven't solidified the second round yet only because a global pandemic got stuck in the middle of our communication lines All of that is cleared up now It just it took time and you know fund and grow communicated the whole time with me and said, you know We feel good about it, you know It looks good, but people weren't moving normally people were Sitting at home trying to navigate. Yeah. Yes. The second round is coming I got correspondence right before christmas that I should have answers in january So in this month we should have the the new lines extended It's sweet and I'd be happy to come on christ and you know let everyone know You know how much they were able to to up those lines. I mean we're we're living in unprecedented times So i'm not going to be surprised if it's a little less than I expected But right now you you got a hundred thousand. I mean you got a hundred thousand Yeah, a hundred. I mean if you can't Yeah, you need to You need to think about unless you're in la new york Generally speaking my round-up homies aren't there anyway, so if you can't try to figure something out with a hundred thousand Man, you might want to rethink what business you're in. Yeah. Yeah Sora, sora. I just jumped in. Hey, what are the most recommended banks for your startup real estate business? Is it advised to open up multiple business accounts? I don't well unless you wanted to have One account for the purchase and sale And one account to manage your project You know Like chris knows some hard money guys. They don't give you all the money upfront now fun You do but using that example of having different accounts You might want that account to manage your a second account to manage that project But I don't do it. I run it, you know, I run it out of one Usually out of one account, but but each entity is different, you know That's true. So for me, who is that sora sora? Good question. We've got flip bank account long-term whole bank account. So you know as you mature and What's the word tamping university matriculate? Thank you tamping university You don't want to have your accountant Cranking up hours, right? So if you can say over here, it's all for x and then over here. You know is no x stuff. This is all y you give them less stuff to do. So it's really Uh, it's up to you like chris said, I think it was that was a good point It's how you run your it's what type of business you have and how you want to run it because some people just wholesaling I mean, you don't it's just got expenses and you just flipping paper. So Yeah, I mean for me and in my my nine to five type of business I have one account for the merchant which is where credit cards deposit to Yeah, and a different account that's my operating account and I only do that It's because you learn in business Customer declines the charge they could pull that money back out. Well, I can't I don't leave But so much money in that merchant account for that reason They can pull it right back and you got to pay the fee on that, huh? Exactly. Yep I'm losing money on that swipe. You know, it's weird. I remember the first time I had to pay that on a two thousand dollar refund and chris Yeah, open your eyes up to being a business owner, right? Real quick You pay for the charge when they bought it And you have to pay for the return when they do that and The client walked out with the product. That's why the physical product. Yeah Oh, you got a three. You got a triple whammy. Yeah. Yeah If it's a digital if it's a digital product, that's a little different, but Man, I think I'm got hacked man. Who was this guy? Alexander? I'm gonna have to block you. You're getting somebody hacked you This is help me access my I got 10 of these he's got here Let me put him in time out. I'm sorry, Alexander. I gotta put you in time out, bro Lex after a year of credit utilizations with different credit lines Do you have to have your credit pulled for a credit increase? As of right now, no Nope I'm not I'm not saying that you won't so I'll say that cautiously because as I just mentioned We're in the process of the second round And nothing has come up about having to pull credit again But they they might I don't know Got you So, you know, there you go big brother in life 39 97 if you go to my link is 34 97 So yeah, you'll get a $500 discount. Thank you for helping us with that. I can't even remember And that's a great deal because I recall It was like 49 about a year ago. Oh, yeah, it was almost 5000. Yeah, so that's that's huge That's $1,500 difference with your with your code You know, it's crazy. Chris. I think about all the money that I spent on hard muddy lenders All the money I spent just on interest going out, right? And it's just like if you got this flat fee every year just to access the money Right, you can kind of put that in your mental roller decks and say, okay This is the cost of the money for this time. I mean if you yeah, hard money You're you're let's round number you borrow 100 grand to 12. What's your monthly payment? Thousand bucks right thousand bucks So three months of hard money you can get the same hundred grand Now at zero interest for six to 18 months But don't forget the points though, Chris on hard money Yeah, so now you sell the house for 200 and they're charging you five points on the back end So yeah, you just you just give them 15 grand. It's a no-brainer, bro Yeah, it's a no-brainer. That's why I'm bringing this to y'all. I've already vetted these guys My boy, Chris has already been through them So why not at least give it a shot the link to sign up with fund and grow you don't even sign it up You just call you're just finding out to see how much you qualify for it's not like you're Committing to anything they'll give you a call. They'll say, hey, we need to get this Well, I'm about Chris. Do you put your information? Do they call you up? Then they ask you for what they need, correct? Pretty much. Yeah, they asked um, it was very it was so I mean the the limited amount of paperwork. They actually need it it was basically an application and They ran the credit They asked for no documents like they didn't ask for profit and loss of the business or balance sheets or anything that a traditional bank is asking for Um, mainly because I think this is not considered a traditional loan. This is a line of credit in the business. Yeah Round up that's cool, man. Uh Derek wants to know What are the lengths and interest rates of these credit? We got a hundred and four hundred and thirty people on chris It's want to see how this works out of the lengths and interest rates with these credit lines Uh, the the length is whenever you want to close it So there's no limit. There's not it's no there's no expiration date The expert expiration date is going to be the expiration date on the card that they give you Right. Um the interest rates it's it's as I said, it's it's dependent on each lender American Express for my experience in business normally has pretty high interest rates After you get out of the zero percent But that doesn't mean That I couldn't still use that card in a short time frame Or in a project that well exceeded the interest that i'm going to pay on that line of credit I got to tell you I've seen American Express really change over the past few years when they lost that, uh Costco account chris. Okay Remember, well, you were you were a merchant. You know that you know the deal That was like there or so bougie. They wouldn't even be I couldn't swipe American Express for like the first five years in business There you go. It wouldn't even let me swipe their card And then I had to qualify and do all this paperwork to get accredited with them Just to be able to receive Let's wipe someone else's card as a customer. Yeah, I've been there. Yeah, just to receive. They're a pain in the butt I remember they are and then I'm gonna tell you what I noticed when they lost that I don't know if they lost it or it ran out with costco Okay, they were trying to give business, you know opening it up. So it's a lot easier to run Let me ask you is it a lot easier to run and next nowadays Um, it is the credit. Yeah, the criteria is still kind of I mean, they're just a pain to work with I don't know why like you said they're like this bougie Organization like we don't need we don't need everybody They hurt no their stock is down too. I think Yeah Jorge what kind of credit score do you need to apply? Thank you for coming in, Jorge. Yep. Um, There's no requirement I would say if you're not above a 650 probably I wouldn't waste a lot of time But don't take that for me set up a consultation with fund and grow call someone they'd be happy to share that with you I don't know but they recommend they've they found a sweet spot for them to qualify By a business at the at the highest criteria. They found that 720 FICO and up is is really where they're getting max maximum funding for their Can you take some of that money out of the Credit line say don't they have a payment program, right? Yep, and you can if you pay whatever I don't know what it is down. Can you take some of that out of the credit lines? I want you approved Say repeat it again. Can you take some of the payment to fund and grow? Out of the credit lines that you're approved for. Yeah, they have a program They have a program that you can apply and put zero dollars down today When you're approved, let's say you're approved for 20,000 10,000 or whatever Fund and grow will take a percentage Of those approved funds as their profit and then you have the balance Gotcha. Gotcha. You do not have to Spend a dollar today with them. I didn't choose to do that because for me And I can't say everyone is fortunate as I am I didn't want to give them a piece of the pie. Imagine if they had Like five percent of the hundred that I was approved for I don't know what their percentage is. There's a whole lot more than that three grand Right, you look at these differently when you get older brother Yeah, look at these differently. And it's so crazy. You know, I'm about to pay today. Go ahead. I'm sorry No, I said I was that $1,500 difference that I just made reference to put that in my pocket I'm keeping that 15. Yeah, even though it is spread out over time. It's still money It's still money. That's how they get us. They spread it out Just lenders in general uh lex wants to know the do should I get a dunes number chris? It's not needed I I mean years ago when I started in business other business Associates of mine said you have to get a dunes number I don't really I don't not not to say I don't understand what dunes. It's basically it's a business. It's a business credit score Very few people even use it that much anymore. And here's the reason I've learned Is that let's say a banking institution wants to report to dunes your credit worthiness They have to pay to report your information Dunes charges the institutions So let's say I have Uh an equipment loan right equipment loan. I'm current on payments, but I'm building no credit For the business because that company whatever whatever company it is has to pay dunes to report How good I am as a customer? Why would they do that? You're they gonna pay. Yeah So I'm not saying don't get a dunes I would honestly I would consult with whoever you're applying for a loan with on what their requirements are I did they not one? Mention with funding grow about a dunes number. Gotcha. I think maybe that's where she was going. He or she a lex. No I don't have a dunes. I applied for one. I mean back in 2007. I just well Uh roundup. This is chris birch real estate investor in washington dc We're talking about how chris was able to qualify for a hundred and five thousand dollars in business credit lines If there's something that you think can benefit your business head on over there to see how much you qualify That link is in the video description and you will I repeat you will get my discount the roundup discount is $500 $500 off of their services. We can negotiate it that for you First thing I ask they call. What's the discount? What are you going to get my people to discount first thing? Lonnie scrubs like what's my discount? Yeah, of course Harold hey, Harold. Oh, did dairy did we answer that one chris five year? You're alone. This is not a loan. This is a this is a imagine, okay You can show on chris. Good. Yeah. Yeah. It's it's a credit card It's a credit card that american express. I have $50,000 to spend on on bank of america I have $12,000 to spend on it's not a loan I could close these at any given time as long as I don't owe them anything. There's a zero balance I could just get rid of them. Got you Got you Harold. Hey, Harold. Nice picture. So they don't go by your personal credit, but why do they request for your credit score? Yeah, so They're not it's not it. It's not on your credit report It's based on your credit worthiness to pay Your bills in the past. So if you have done well by Making on-time payments making regular payments. No late payments Likely your credit score is quite good. So they're just basing these lines On the value that hey, this guy has proven. He knows how to pay his bills. Yep And that's you should be paying your bills on time Anyway, really in my opinion. I mean, I mean, I'm not saying to be late because you pay pay more when you're late anyway Yeah Wilfred. Hey, hey, hey They can set up an LLC for you. But if you don't have a business currently, they'll set up They'll set up your first credit line under an s-corp. Oh, sounds like wilfred might have went through the system chris Yeah, good for you. They provide that service. I didn't have to do it. So I'm just not privy to How they set them set them up, but I do know they offer that service. That's right. You already had your uh That would be set up. Yeah Wilfred have applied and it has been great. Oh, okay. Wow. That's cool Yeah, man, great Good for you. Wilfred. Good for you my friend. We're bringing you on to hear your Might have to bring them on. Yeah, Wilfred. Hey, man, email me chris at chrishaskins.com Wilfred I'd love to know your experience with them might calls me all the time, man. How much we do business with Right chris with a c Oh, what's your I put it in the check chris. What's your email? It's cb invest md at gmail.com C cb md At gmail.com The roundup if you look in the chat, I just put chris's email in there Can you can they get to you by uh chris birch dot net i mean dot biz too. Yep dot biz. There's a there's a portal right on the The body if you scroll down you can answer your name phone number email. It'll come straight Um, I get extremely busy, so I'm not ignoring you. I don't respond immediately, but I do respond Um, you know, it might take a day, you know, I got you Timothy do I need to use my personal credit? That is the requirement of the application. Yeah, they have to pull your personal credit to check your credit worthiness has nothing to do with necessarily the amount but You know It is a factor that they use on the application. So yes, you can you need to submit personal So sounds like they pull your credit, but it's not going to be reporting on your credit Exactly, I know actually They help you remove that inquiry when they do pull your credit They help you get that off of off of your credit crazy. Well crazy. Yep. It's crazy uh Kerry and hey, so after the 12th month, do you still work with funding grow chris? Oh, yeah without a doubt. Yeah They um, I just actually just Got an email It was right after right after new years for them. Um, allowing the uh Or informing informing me of how That line um that second round will end up going but yeah, so I don't know chris dropped off. I think it looked like he over Something came up that said he overheated. So I'm uh, I'm I'm just too hot for camera chris. I'm just too hot man. I'm too hot Bars pop up and then it said too hot. I'm like, oh man You know what as I'm trying to up my production game, you know, I'm teaching youtube now people how to start their channels Like myself you have It anyway chris has 10 x his channel 10 egg we had a meeting today. So chris is in my youtube and internet marketing mastermind We talked about 10 x in his channel. So Chris has youtube been a benefit for your business Oh without a doubt i'm getting so i'm not only getting Questions from around the world not the country around the world About equipment that we use about benefits of doing things a certain way People even commenting saying hey I have a video doing something similar check out how i'm doing it. So i'm learning from it while i'm also sharing information on How my business operates, you know Uh, just posted something earlier. I walked through I did a like a half hour video Looking at a deal that is now not going to be a deal But a deal and how I can navigate a real estate transaction and whether it makes sense for me to drive my butt 30 minutes to look at the place I did a video on how I pick a part of deal before I waste my time going there. Good. Good. Good Rhonda thanks for the info Do they look at all three credit bureaus also can they take the fee out of your approval amount? Yes, so first part of your question I'm sure they do because when when a when an agency any lender pulls your credit They will pull all three and they will base your credit worthiness on the middle number So if one said you're a 700 one said you're a 800 and one said you're 760 They're going to go with the 760 that's even though you have an 800 on one. They're going to take the middle number Second part of your question. Yes You can apply with zero dollars today Once you are approved They will take a percentage of the funds that you're approved for I don't know what that is But it their website is very clean Easy to read. There's there's no hidden hidden fees. It says it right on that application page of what they can What they will the percentage they will take. Yeah, they can take that right off of that Grand grinding for greatness Chris I guess me. Do you use fund and grow? Or do I use hard money? Actually neither We have raised my clients. We we have over three million. Is it three million? I think it's like 2.5 mil with fund and grow through my clients right now But uh, we have so much private money grinding for greatness. I'm glad you asked that So here's the thing you got levels in this game Right and you can't judge somebody's beginning with somebody else's middle I've learned that you can't look at somebody's middle Compared to your beginning now. I'm not saying you're beginning at all But hard money. I have used hard money, but we have so much private money Uh, including gentle gentlemen like chris where we don't necessarily have to use any type of Bank finance Scott how long Nice beard my brother. How long did it take how long did you have to build history on your business credit? In order to get approved for this much I didn't it wasn't based on my business credit They don't they don't even know what my ein number is to even look up the worthiness of my business They got my LLC name They looked it up to make sure it was in good standing with the state in which my business runs And it was based on my personal credit worthiness. It was based on my FICO score Good Good question. Yeah Wrists are hey risk. Did I say that right rice? Yeah With funding girl, did you use an existing business or did you create a funding entity for funding only chris? I used my existing business uh Only because I knew the credit worthiness of the business was there the length of time in business was there But it doesn't matter because it's based as I continue to say it's based on your personal FICO score We just had one of your viewers just now say I worked with them. They actually helped me set it up Yeah, yeah I don't know how they do that David will you do another round? Do you have to pay another fee? I do not think so. I'm not 100 certain, but I do not think so So Denise thank you chris and chris for educating us on this process being transparent great way to get started 21 Thank you. Yeah, thanks for saying that. Thank you so much Uh, wolf it with uh with the feed the discount is about 34 97. That's right. We'll get a discount with us Uh, it's risk rice. I don't know right with funding girl. Did you create a funding entity? Oh, we went over that one. You already had that This is seeing this is the most messed up clickbait I have ever seen Is that another hacker? Alexis gates so they do a personal credit check Yes, that's all they do they will once they pull your credit they will then Respond usually within a day is from my experience was about a day later I received the email introduction from my point of contact who was going to be the associate assigned to my account and um We pulled credit like over the phone I'm sweet. Looks like we've got a someone that is a naysayer No one gives you money with a proper credit chris. You are just lying to people I should log into my funding grow account And show everyone the balance if you don't I mean good brief. Why would I why would I waste my time? Yeah, I don't know idea what you're talking about Start market trading now. I love you. I love this when people do this I've seen chris is the cards. He's got the card. No, so here's the fun If you if if you don't want to do this It doesn't benefit me or not whether you do or you don't I'm sharing my experience of what I was approved for Telling anything from this past. This is like a this is you're you've you already got the money This is not like something that you're applying for correct correct Stop market. Why are you messing with me? You know what I needed a good Martin Luther King Shock there. Yeah I've seen chris. Matter of fact, we use some of them Alexis are they Are they providing bank credit cards for the for the business? Yes, it comes in the form of a card No Ryan thanks for this great info. Do they look at all three credit? Oh, we did that one already Maybe we can bring uh start market on and they can tell us how much liars we are. Yeah, right That'd be funny I bet he won't come on I promise not so Stephen not sure if this is already covered. How many years does your business need to be open? It doesn't need to be a business You don't even have to have the structure set up when you apply The lines of credit are based on your personal credit score. Yep So we've got 135 people on here chris. We're hanging out with my boy chris birch from the Washington dc area entrepreneur and real estate investor already approved and got the money cards Already approved y'all. So it's not like he's going through this process Matter of fact, he came in a deal with us with that money. So Round up if you're looking to see how much you can approve for for 2021 use my discount The link is in the video description. I negotiated a discount with mike banks over there funding grow for you This is cool. No requirement No requirement of 100,000 loan or you drunk. I'm gonna I'm gonna start let me put him in town No, I'm gonna leave him up. What should I do chris? Leave him open or time it out It's entertainment value for you and I maybe even for your roundup proof. It might be entertainment I mean, why would we waste our time sitting here talking about something that has already been approved and used Uh, I'm unbelievable. Alex is so okay. So 720 how much how do you find out what your fico score is? They pull it, don't they you're gonna pull it. Yeah Yeah Justin, how about I go about liquidating the cards to get the money? I have a 7 75 go good for you But I don't have any of my cards reported to the business side. What cards would you recommend? Oh, he needs to get some cards um Apply through fund and grow. Yeah, they get the cards for you. Yeah I didn't know who they were gonna go with they came back to me with bank of america Fulton bank Chase and american express they came back with the original This is what you've been approved for and as we said earlier, then they went and asked for balance increases So it's not like you said I got this bank already. I did this I did that they said it all up for you When they see your fico your credit, they know which lender to go to yeah, they're already the processing it I'm telling y'all these people have relationships with the underwriters. I've seen it done in a day What would take you and me three months? Because once you get denied you got to get the letter in the mail Then you got to get on whole calling them up for hey on hold for two three hours Who are you get on? Who are you going to get on the other line when you call into these big banks? I mean, I can't stand calling bank of america just to order a new debit card Alexis and how old does your personal credit have to be my credit card accounts have only been open for eight months Well, it's not just your credit card accounts. It's everything that you've done within your personal Social security number whether you bought a house you bought a car You went to macy's and got a macy's card Your credit score is based on your worthiness to pay your bills on time. Got you So it's not other credit cards per se. It's how your credit worthiness has gone throughout time That's chris birch y'all cd invest md at gmail.com Dana my data. Hey dana my husband james, and I got off the phone with fun to grow We'll be starting with them tomorrow. Thanks for oh wow good for you. Okay That's cool Go get your money ground every greatness agreed. Just want to make sure you practice what you preach I do not oh, yo. Yeah, man. I uh I Used them. I guess indirectly people borrow the money and then come in I guess where you were crisp comes in with the deals with us That's true. Yeah, so yeah, even though you didn't use hard money slash fund and grow directly You your projects did because of investors like myself and others. That's right. That's right. Good point, brother Good point around coffee. No, we'll see but have a business name registered with that work It once again does not matter you could actually be a business Uh, you don't have to be a business to qualify for the approval. Yep. They'll set it up for you I don't know how they do it, but I've seen them do it. Yeah Hey, healing. What's up, brother? Well the program will be someone you can talk to that will walk you through and ask them questions, chris They are so responsive I usually do it by email because I don't have a lot of time to go back and forth on the phone with somebody I'm busy doing other stuff where it doesn't afford me the time to sit there and talk with someone on the phone I've done it a couple times when they had some, you know, critical information that they didn't want to share via email But um, yeah, they're so receptive Someone else who was just here with us live already called them and getting hooked up with them tomorrow. So yeah, they're great They're on it. I'm telling you they're on it. They got a huge office This is not some company where you guys two or three people they're typing in a computer Yeah, they got a building with floors that they have people servicing this stuff. So uh Data, what is the average interest rate? I have no idea because the lines of credit that you will be approved for might be different lenders than I was approved for True The rates are gonna be with whichever lenders you're dealing with. I don't know But yours was zero percent. Tell me what yours was Chris On the four lines that I was approved for for the total of 105 I had zero percent between six and 18 months Zero percent Dana Uh j equity, I'm thinking of signing up this year. Is it as easy as they say we're using plastic? I stick to wire the money to closing chris. I didn't wire it. It came to me in the mail in the form of a card Good Brooklyn so you Ray test so will you gain credit history from the usage of the cards? Business yes personal no Dana wants to know does does this show up on your personal? Oh since your personal credit is used does it show up on your personal credit bureau? No, the only thing that will show up on your credit report Is the inquiry that fund and grow will do when you initiate your application, but they can remove that as well. Yep Yep, so if I'm late, let's say my america express bill Uh, I make late payments. It will not affect my personal credit score. Got you I've never I saw Let's break it down. I did not guarantee any of this debt If that makes sense. Wow Right, it's crazy Uh, which card merchant does fund and grow use? I don't know if that merchant. I have no idea. You know that risk In comparison to hard money funding girl has no brainer. Yes Scott heard my previous question. How did you get approval for that much? Did you ask for that number chris? I had no idea I had no idea So I put in the application And I paid the amount because I figured With my longevity in business and my decent credit score I'll probably get at least like 10 grand, right? So even at the 4900 at that time Which is now with chris's discounts like 35 barely 3500 You're still 6500 Ahead right there. Yeah Round up. This has been a good one. Man. That's some good questions in here Yeah, he didn't know but you don't know about the caribbean chris. You can answer that mack mackaya um I guess if you are a US citizen, I don't see why not. I don't know how funding girl works internationally But if you are in like the virgin islands, you'd be a citizen. So yeah, I don't see why not Dana wants to know chris if you want to brief you could read if you could rewind it or you want to go over it again No, the so the fee is either you pay up front using chris's discount code That's in the video description below You can use his code to get an additional 500 off with the normally charge Or you could apply today with zero money And then funding grow will deduct their fee the 39 so you got I believe with with this though chris If you use the Don't pay today. I'm not sure how the discount works. You might know this. I'm not sure but I don't know Yeah, I know I'm sure it's something but if you don't that's just how business works Right, you might pay something to get it financed Exactly or you could do the other option where you can do installment payments You can do like a third a third and a third over the next three months Yeah, don't forget it once you do that third you can still take the remainder out of the financing that you're going to get Mm-hmm. Yep Uh, it's about here. Is this better than a healer? Let's see. What? Rabbit runner 22 is this better than a home equity line of credit in your opinion chris in my opinion I'm gonna say yes because A typical home equity line of credit is an adjustable rate. That is true Because they're all adjustable answer is it's an you could try to refi out of it on a long term But yeah, I guess every scenario is different. I'm not going to say yes or no It depends on it depends on the use of the funds. What are you trying to do with the funds? Steven what if I want them to report on my credit? Is that possible? I don't think so because they they only it's only based on your credit score And it doesn't they never post to your personal credit. So no Keep in mind guys. This is a business line of credit too You know Uh fund healing will they make an LLC for you? Yep for my I haven't done it but in the application process You don't have to already have a business structure LLC or s corp someone else mentioned they set up an s corp for them. Yeah, they they provide that service right there in the house There I go. Hey my roundup family. What's up my friend j equity, uh talking about we talked about that chris didn't use plastic It didn't he didn't know But they can't pull. Yeah, the company they use chris. You didn't use them. So you can't speak from personal experience on that I didn't use them, but I've seen Some of mike's videos where they can do a direct deposit to to something like plastic So that's up to j equity group. That's up to you Well, that's been a this has been a cool one chris. So what are your final thoughts? We've got 120 people on here watching chris people need to get their financing together I remember coming up through the ranks not having money to buy It sucked sucked so If you're looking for financing the link is in the video description get my discounts $500 off Business credit lines, but boy chris already went through the process final thoughts brother chris If you have a good use for it you have a plan for it Have have no hesitation that these people will take care of you they Everything I've requested of them. They've been By far above par With how they operate as a business if you don't want to do it or you question it Don't do it. Don't do it. Yeah. No, there's no sales pitch from either one of us If you want to do it if you don't don't and you know Yeah options. I'm learning I keep telling my daughter the reason I'm so hard on you because I want you to have options I want you to have options if I were trying to deceive somebody Why would I put my face all over the internet? That does that makes no sense You know Unreal everything I try to do i'm ethical about I share what I know I share my experiences. It is what it is Yeah, you're real with that Anyway, we're gonna have some trolls man. It feels good to have a troll or two I know I wasn't even speaking to that one, but just in general for someone who's hesitant I shared okay shared my email address Chris has his website on everything that he does you could find either one of us pretty easily by a simple email Right, that is true. Yeah, or blasting this on social media. I can't let you blast me so hard Right. I gotta say something exactly You're gonna have to say something y'all All right. Enjoy your new year. Happy Martin Luther king day to you all If you need financing that link is in this video description Hit that like button share with any other investors that you're no You know, they need to get some finance and they try to get a house They want to grow their business. They want to hire somebody they need to do a marketing campaign They want to buy some equipment They need they need to have pay for rent for a new location All this stuff can be used for that, you know, it's not just buying a house construction for me I'm like even dealing with chris. Um paying for the renovation. So so many different ways you can use this stuff All right round up. I'll see you guys soon and make sure you I'm gonna put another link below I got the foreclosure training coming up in the next few weeks. So y'all register for that if you want Or just give me an email address so I can keep in touch with you See you soon round up. Peace