DO YOU OWN A BUSINESS? ARE YOU THINKING ABOUT STARTING A BUSINESS? THIS ONE IS FOR YOU!

By Oche Michael Oche | 2026-05-15

You came to us to fix your credit. And we’re doing that.

But I want to make sure you know what’s waiting for you on the other side — because most of my clients don’t realize how far this work actually goes.

This morning I dropped a new episode of Rebuild & Rise — my podcast — and I think you need to hear it. I sat down with Sterling, an SBA lending expert at his company Lendstra, and we talked about exactly what business owners need to understand about accessing real capital. If you own a business or you’re planning to, this one is for you.

🔗 Here’s how to listen and share:

▶️ Watch on YouTube
🎧 Stream on Spotify
🍏 Listen on Apple Podcast

We also put together a short video breaking down the numbers visually:

🎥 Watch here: https://vimeo.com/1192017803

Here’s what I need you to understand:

A lot of business owners are funding themselves with MCAs — merchant cash advances. Effective interest rates of 40%, 60%, sometimes higher. They pull from your account daily. They don’t build your credit. They keep you dependent and they keep you small.

SBA loans are what bankable business owners use instead. The 7(a) program currently runs 10–13% interest with repayment terms up to 10 years. The government backs a portion of the loan, lenders take on less risk, and you get real terms that let you actually grow.

The minimum credit score most SBA lenders want to see? 680.

You’re working toward that right now.

Once you graduate from our personal credit restoration program at 680 or above, you become eligible for our business credit platform — where we help you build a fundable business profile, establish business credit that doesn’t touch your personal score, and position you for SBA loans and traditional bank financing.

This is the graduation step. And it’s worth every day of the work you’re putting in.

If you want to understand what your timeline looks like, reply to this email. Let’s map it out.