082: Ty Crandall - Five Ways to Improve Your Business Credit

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Thanks for having me. I'm so excited to be here.

Yeah. Well, so guys, Ty is the CEO of Credit Suite. So he's a guy that his company works with people to improve their business credit. So we're going to talk all about the five big things that you can do to get your business credit improved and why it's important and the difference it makes to separate your business credit from your personal credit. And this is especially true for our sole owners are entrepreneurs and our majority shareholders in the companies that we work with and our listeners. So, so glad to have you on the show today. Where are you right now?

Down here, right outside of Tampa, Florida.

Outside of Tampa. Nice. All right, well, it's sunny where I am in California today. And so we're, we're going to get into this. So tell us a little bit about how you get into this line of work, what makes you any good at this? Why do you care like that? Give us your background.

Well, the first business I ever opened was a mortgage company. So I was a really successful mortgage broker at the time. And it was the height of the mortgage industry. And I thought, well, hey, why not? I'll make the jump into opening my own firm. And I did so, and we grew quickly. And at the time, running a business really seemed fairly easy to me. I didn't realize, of course it was because it was just the height of the mortgage industry. And I think at that time, anybody that got into mortgages or real estate probably could have succeeded. But I was also there when it crash. So I saw firsthand what it's like to build a business, have tons of money available, money in the bank, credit available, and then still not be able to account for all the contingencies of things that can happen in my world. Our job was to help people get loans. And we literally overnight lost the ability to help people get loans. It literally just stopped our ability to do any kind of fundings for the course of about six months. Even when we regained it, our revenue was down 90% where it had been years and years before that. So, you know, I made the same mistake a lot of business owners make. I didn't know about business credit or corporate credit at the time. I didn't know that you could obtain credit without personally guaranteeing it. I didn't understand the importance of separating personal and business credit. So I guaranteed everything for my business. I used my personal credit to sign for everything to the business. And inevitably we just couldn't keep up with what we had expense wise. And we started that process of defaulting on some of our business obligations. And unfortunately, because we defaulted on our business obligations that carried over because I personally guaranteed it. And the lenders, the credit issuers immediately started pursuing and taking the business assets we had. So it just caused this whole cascading effect. Whereas on the personal side, I had tons of credit, I had money in the bank, on the business side, we had tons of credit, we had money in the bank. But the minute we started to default on even one account, all of our credit issuers on the business and consumer side lowered our limits to what we actually owed, which killed our credit scores, which ruined our ability to get more money. And then the business creditors that we had then pursued my personal assets, taking the money from the business and me personally, I ended up being very successful at a very young age and then going through this experience Where I just systematically lost everything, lost my credit, lost any money that we had saved, lost our vehicle and almost lost our home and literally almost to the verge of filing bankruptcy, paid a bankruptcy attorney, filled out all the paperwork and just couldn't go through it. In the end, I decided to fight my way back. So I went through this, I went through this horrible experience.

You should pause there for a second because I think our listeners need to take a little personal inventory. We're talking to you, all of us, at one point or another. If you've started a business, if you own a business, if you're running a business right now, and that's virtually all of our listeners, right. Have at some point guaranteed or put some credit to, extended some credit and guaranteed something personally. So that's including the first moment when you started your business. You started using one of your personal credit cards to book your travel, as I did in my most recent business. And then maybe you get one in the business name, but you put on your personal, you personally sign for it and guaranteed in the whole thing and then it goes along. And I know businesses that are 150 million, you know, to $200 million in size and hundreds of employees where the owner founders were on the hook for not only certain lines, but also major leases. And when a downturn happens, they're not always able react quickly enough and do anything. And everybody's looking to get their pound of flesh. All the creditors want their money and they don't care. And it's not personal. And they will take your house, they will take your cars, they will take your all your personal cash as well as the business in liquidating it. And it doesn't have to be that way. So a downturn of one kind or another is inevitable. Right? We've been in a eight year plus uptick in the economy right now. At some point we're due for something, right? And the effect of it will hit us into different ways and maybe you'll be spared. But for the most part there's massive dislocations and you have to deal with that. Having your business and personal credit intricately tied can make it a very personal crisis.

Right? Okay. Yeah, absolutely.

I just want people to understand and get it. Some people are thinking about it a little conceptually, maybe our regular listeners, but like this could hit you. And the time to prepare is now, which is why I'm excited to have you on the show. So you went through and you lost your cash, your cars, you saved the house, you avoided the bankruptcy, but you saw something and learned something.

Well, absolutely. And like I said at the time, I'd spent over a decade in financial services and I didn't really even know what corporate credit was. So I know people that have no experience with financial services obviously are definitely 10 steps back from where I was at the time. And so that hit me pretty hard. I mean, losing everything that I'd spent years building, not being able to provide financially for my family, was obviously a hard thing to go through. And when I came out of it, I decided to get into the consumer credit world. I decided to help people go through and kind of fix the damage that the economy had caused to a lot of people's credit, including my own. And along that path, you know, I had a lot of customers ask me about building their business credit and I didn't really know what it was and I blew a lot of people off not realizing what it was. And then when I dove into it, I had to dive really deep because there just wasn't information at all available at the time about corporate credit. What it was, how it worked, the steps to obtain was astonishing to me. It was just eye opening. The fact that a business could build its own credit profile and score that business could build its own credit to fund itself instead of needing personal credit and personal finances from the business owner. Being able to separate the liability of the business owner and the business and the credit profiles of the business and the business owner, these were things that were just astonishing to me. That's kind of what put me on this path. Once I realized that, I decided everybod really should know about this and whether business owners decide to take it, which it makes sense in a lot of different ways that you even referenced or they don't, that's their decision. But everybody should have that ability to choose. They should have the knowledge to be able to make the decision. And I decided to become an advocate. And ever since then, years ago, I just talked to everybody I can about what business credit is, how it works, and most importantly, as you said, I mean, the importance of separating the consumer and the commercial credit.

So this has really become your whole business today, hasn't it?

Absolutely. I mean, we've expanded beyond just business credit building because what we've realized is that your typical business owner doesn't want business credit or a loan or a credit line. They just want money, period, in whatever form they're able to get it. So we've expanded. We work with a lot of loans and a lot of credit lines. Business credit building is primarily what we do. But we also work with every other legitimate type of funding program that's in the business space just to be able to connect business, business owners with the greatest amount of capital they can obtain to make it easier to grow their business.

Well, why don't you tell us about some, some of the people you've worked with or tell us a little bit what it looks like and maybe could share a story of taking someone through the process.

Sure. I mean, you know, in our world, we deal with a couple different types of clients. Typically we deal with, you know, somebody that is in a startup phase and that's looking for money or that, you know, has revenues less than a million dollars and is looking for money. And sometimes, sometimes they're not able to find as much as they want, or sometimes they're not able to find any. And in those cases, for example, one of our clients, Christine, they own a transportation company and they didn't have, weren't able to get capital at a bank. They applied, they tried to get credit lines and tried to get loans, thinking that they had a good banking relationship and that should carry them, but they weren't able to do so. Then they got in, they learned a little bit about business credit, tried to do it on their own, even worked with a couple companies. And months, even a year passed and they didn't get anywhere. And then they came on board and within 90 days we were able to go through, find some credibility issues they had that were preventing them from getting approved for loans, correct those, and then immediately start getting them corporate credit. And through the process, you know, less than a year later, you know, she just Got approved for $100,000 credit line with PNC bank with no personal credit check with no personal guarantee. She's got multiple other accounts with 40 to $75,000, individual limits on each one of those accounts. And they've, you know, a business into the low seven figures or early years in business, and now, you know, they're even expanding and opening another business as well. On the other side of things, we deal with people that are very well established, like you said, they do 2, 3, 4, 5, $10 million plus a year. And they don't know about business credit. They've never built it. And we had a client that came in to us that had that exact same problem. They did. They're in marketing, they're in advertising. They do a lot of ad placement with a lot of the major, you know, advert or radio stations around the country. And they had a credit line for 50 grand. They went to get it increased. And instead what the bank did was upon their review, they called the whole credit line due. So all of a sudden, all the money they had outstanding on that credit line had to be paid back within weeks. And the reasoning was, because they had bad business credit. And so when we helped them, they came in the door and what they realized was that they didn't have bad business credit. They just had nothing. This is a common misconception in the consumer world. You have to mess up to mess up your credit score. In the business world, issuers or credit reporting agencies like Equifax and Experian will give you a failing score even if you have no credit. Just the fact that you have no credit established and the fact that they know your business exists gives you a failing score. In this case, they went to their bank and got a failing score score just because they had no credit. Sure enough, we got them in the door. We were able to figure out what the issues were. We then corrected those issues, helped them build some initial business credit, immediately took those failing scores and made them into good scores. And they were then able to turn around and get over $100,000 credit line right after they literally doubled the credit line from the step before where they just had it called due. We deal with a lot of clients in those kind of scenarios, but those are two cases that really come to mind.

Yeah, that's a really good. And with important payoffs, certainly it's nice to have access to it not be guaranteed. But you really do feel it when it comes to some pivot moment, especially in the economy. But it can happen in your business, too. Let's say that you've had some kind of an adverse business event, something bad happened, and suddenly you're not in compliance with your covenants, the bank calls the loan, and now you're entangled personally as. And not separated.

Sure. I mean, for me personally, you know, the personal guarantee aspect is very important because I've went through it. But for a typical business owner, it's not because as business owners, we just don't expect to fail. That's just not something that we think about. But the reality is, is that, you know, business credit is as important to your ability to obtain capital to grow your business as consumer credit is for your ability to obtain capital. On the personal side, you know, I mean, you can get through life with no personal credit, but when it comes to you wanting to get a car, wanting get a home, all of a sudden it comes to the forefront, becomes very important. It's the same thing in our world. You know, business credit's the key to getting approved for financing. It determines the rates and terms you'll pay. It even determines how much money you'll get. You know, each commercial credit report from Dun and Bradstreet, Equifax and Experian even say how much credit issuers and lenders should lend you in money. So if you ever want to get money to grow the business, then business credit really becomes essential to be able to do so. Without it, if you're even able to get approved, you' you'll get approved for much less money at worst terms. And in a lot of cases, you're not even able to get approved because you have no or challenged commercial credit.

Yeah, just no credit at all. All right, so let's talk a little bit about the steps. So how do you go about and get. I know you've got five sort of big steps in the process. So take us through the ways to improve it and what people should begin doing.

Well, I think the first step is probably the most cumbersome and boring of them, but it's also the exact reason that most people that apply for credit and loans get denied, get denied. And that's setting up your business credibly. So all lenders and credit issuers have kind of an unpublished secret set of standards that you must meet to get approved. And we've all seen this before. We've applied for a credit card. One of two outcomes occurs. You either get an instant approval or you get that dreaded message that you'll hear by mail in seven to 10 days. That of course, never ends up being an approval in the mail. It's always a denial. Well, we know that this decision is happening instantaneous. So we notice somebody's not manually underwriting our application. Well, that's because nowadays computers are making a lot of these automated decisions. So the better you are at understanding how these credit issuers and lenders approve files, what factors they're looking for, the better off you are to make sure you meet that criteria before you even apply. And that starts with really every line item that you put on an application. Your business name itself shouldn't reflect that you're in a high risk industry. If it does, that alone can get you red flagged. You know, you need to make sure you have an entity set up. And even though you could build business credit with any entity, a corporation or an LLC is how you can actually separate you from the business, is how you separate your liability. So if you're a Sole proprietorship for example, or a partnership, then the problem there is is that you and the business are one in the same. So you'll always be liable for what' going on. You need to have your EIN number. Just like consumer credit is built under a personal Social Security number, business credit is built under a business EIN number. So it becomes very important. You need to make sure if you need any licensing for your industry or your state or your county that you obtain that licensing. You need to try to have a real business address. You know, use a real physical business address or maybe even a virtual address instead, which is is where you're just renting the address to get mail forwarded to you instead of paying an expensive amount or a higher amount of money to rent an actual office space. If you can't use a virtual address or can't even afford that, then you can consider a home address at last resort. But a PO Box or UPS address will absolutely get you denied in almost all cases. And a home address will even get you denied in a lot of cases with a lot of credit issuers like Walmart for example. It's also important to note along the line of addresses that you know, nowadays with commercial credit reports, Dun and Bradstreet for example, even includes a street view of your business on the credit report. So if you're using a home address, there's your home, you know, right there on your commercial credit report. Which is kind of scary because unlike consumer credit, anybody can obtain your business credit reports. It's public information. Your clients, your prospects, your competitors, anybody can get that. So try to use a physical address first or virtual address or a home address. At last resort, get a business phone number. Don't use a home phone or mobile phone ever. And try to make sure that you get a toll free number and a fax number as well. Because a lot of applications ask for that and you don't want to leave that information blank. Get a professional website and a professional email address. Don't use Yahoo type addresses. You want something that's for example your name@your company.com, something that's probably merges, mixes well with your actual domain. Nowadays at GoDaddy you could buy the URL that comes with the email addresses as well. So the easiest way to explain the first step is that every single line item you put on an application is used as credibility. So if you following these steps, you're setting up and giving your business the best perception of being a legitimate, credible business and that's what they're looking for. They want you to be visibly reputable. They want you to be credible. They want to see that your business is legitimate just based on the information that's on the application. If you don't do that, then you oftentimes get denied for credit and for loans as you start to move through the steps. The other thing is, once you've done all this, make sure all the information that's out there is accurate. It's the same. Your secretary of state record should be the same as what's on your bank account. The name and address of your business on Google should be the same as what shows on Bing and Yahoo. It all needs to be consistent. If it's not, believe it or not, it's one of the biggest reasons that loans at big banks get denied because of this inconsistency. So you need to make sure that all of that's consistent.

So we're going to look and feel like a business website, phone, even fax, which I suppose you could use an effects thing for although I no longer maintain any fax lines and a lot of our clients don't. But you say that like everything, not blank, everything businesslike, not mobile, not your home. And this is especially true for our early stage companies and startup phase Folks start to look like a business as quickly as you can and the PO box is also not going to get it for you. So you're going to want to get a suite somewhere or use one. I've seen some companies and sometimes I've done, when we've done startups years ago we would use our law firm's address. Do you see any issues with that one?

The problem is the Duns number that's issued by Dun and Bradstreet is assigned to businesses based based on name and address. So especially if you're using somebody else's address that has a similar name that can really, really, really cause issues. The same as on the consumer side. If you have a son with the same name that can cause issues because the way consumer credit is is it's linked to your social which the first digits of your social is where you're actually born. So again if you've got family member that's the same name and a similar social in a similar town, then it's easy to get mixed match, mixed match data on. So it's just something you should look out for. There's several ways around it. I mean just get a virtual address. You know, you can go to a place like Regis or Alliance and they offer virtual addresses where you're Just basically renting an address to get mail at. And now you know you have the address. The perception of being in a high rise building in Dallas, Texas when you're still working from home. And that's what it really comes down to. It's like a fax number. I don't use a fax. You don't use a fax. But the reality is you're not going to go to HP or you know, any large source and see that they don't have a fax number. They all have fax numbers even if they're not used. So just keep in mind that everything they see is a reflection of credibility. And you want to give them the perception that you are as big and credible as the big companies. And if you do that, then that really kind of checks off this series of criteria that they have to then move the application forward.

All right, let's get into, I don't want to run out of time, but let's hit your points two through five then and make sure we, we give people the subsequent steps.

Absolutely. And step one is the longest of the steps. Once you've done that, and then in step two, you want to do a free check with all three of the reporting agencies to see if they know you exist. Now because like I said, if you're, if you're brand new in business, this isn't as important. But if you're not, then Equifax and Experian could have popped up reports and issued you failing scores. Even if you have no credit, you should know that before you even start off. So if you go to creditsuite.com reports we put quick links there to connect DUN and Bradstreet, Equifax and Experian do a free search to see if anything pops up for your business. If it does, it's probably worth pulling your reports with that reporting agency. If it doesn't, then they don't know yet you exist. You also want to get your DUNS number. So if you go to creditsuite.com duns which is D U N S or just Google free DUNS number, then you'll find a link where you can actually get a free DUNS number with DUN and Bradstreet and this is a worldwide identifying number that they use and it's necessary for them to ever populate a report with D and B. And D and B is the biggest of the reporting agencies. Once you've done this, now it's time to start obtaining real credit that reports to the reporting agencies. One of the easiest ways to do it is to use vendors like Uline and Quill. You know, Uline sells shipping supplies and packaging supplies. Quill sells like over a million dollars million products, everything you can think of, including all kind of office supplies, printing, marketing. And they will, they're unique because they'll give you credit even if you have none. They report only to the business reporting agencies, not the consumer. And they're giving you this credit without a personal guarantee, without a personal credit check. So once you go and get about five of these type of accounts, that Uline and Quill and Granger for example, and then you have to monitor your reports, you know, so you can go to creditsuite.com forward/monitoring, you can get credit monitoring for D and B and Experian for 24 bucks a month. Or you can go to the reporting agencies directly and get it, watch those accounts show up on your report. And once you have five accounts reporting that you verified our reporting, then the next step is you move in and start getting approved for store credit. At most major stores, you know, Sprint, Sears, Costco, Sunoco, Exxon, bp, Amazon, Walmart, Apple, Apple, Dell, I mean almost, you know, Sam's Club, Costco, almost every major retailer, even Nordstrom's and Macy's, offer corporate credit for your business without a personal guarantee. Without a personal credit check, you'll need at least five accounts reporting which will give you an initial credit profile and score. And once you have that, then you're able to start coming into these sources, not including your Social Security number, leaving it blank off the application, forcing them to pull your already established commercial credit. They make the approval decision based on that and you start obtaining store credit with high limits at most major retailers. Once you get about 10 total accounts, including the vendor credit in step three and the store credit in step four, then you can move in and start getting fleet credit for auto vehicle repairs, maintenance and fuel. You can get auto vehicle financing at places like Ford and Ally Financial. You can get Visa cards, mastercards, American Express cards with no personal guarantee and no personal credit check at many of the big banks. And that's kind of the top tier. Once you're at 10 or 14 trade lines on your commercial reports, then you can start getting most kinds of revolving credit without the personal guarantee, without the personal credit check. And you have a deep enough established corporate credit profile that will help you start qualifying for loans and credit lines as well.

That's really great. So that's the, is that the whole sequence? That's all five steps? Yeah. Yeah, that's it. So you're moving up the chain and at first you're, and you're getting your business applied on there and then you're slowly applying without your personal information and refusing that. One thing that I've noticed in the past is that I had to actively say, yeah, no, I'm just applying as a business because they'll all oh yeah, well, but just go ahead and put down your social anyway and just go ahead and sign here. And so frequently they want to push you to that because most anyone, whether it's a lease or a car on a car or equipment or any number of things, they're wanting to get you to personally guarantee. So as you establish that you have to stop and decline to provide and ask them to approve you solely on the business credit.

That's correct. I mean, one of the easiest things to do is leave your Social Security number off the application at all. Never provide the Social Security number. And sometimes that may mean that you have to call for the approval or fax the approval versus do it online. But the minute you include that social, you are absolutely personally guaranteeing and you are going to probably have a consumer credit check and the approval is going to be based on that. So the easiest way around it is not to provide the social. Now you're going to deal with a lot of front end people at these credit issuers that don't even realize themselves that it's possible to do so. You know, we've got, we've had instances where we had to go through 3, 4, 5 tiers of managers at places like Nordstrom before we find anybody that knows what's going on. So it's very common that they may tell you that you have to provide your social, but you still want to tell them that you won't, that you insist that the application be pushed forward without your social. And even, and oftentimes to their surprise, the application is approved if you have enough credit reporting. And that's the key to business credit building. You can't get the Sam's Club card unless you have 10 accounts reporting, but you can absolutely get an Office Depot with only five. In business credit building. The number of accounts you have reporting to the business reporting agency is primarily the driver of what opens up different tiers of credit that you can get approved for. So if you don't get approved for Staples, well then go get Office Depot and then get a few other cards and then go back to Staples when you have two, three, four, five more accounts and you'll typically get approved. So keep that in mind as well as you're applying. If you ever do get denied, it's probably because you either miss something in step one of the credibility or you don't have enough trade lines established yet with the reporting agencies to get that account you're applying for.

So it's more the number of trade lines that you have that show your business credit than the total amount?

Very much so. As a matter of fact, what happens is a lot of credit issuers will try to convince you it's based on revenue or time in business, but it's not at all. If you have a startup with $100,000 thousand dollars a year in revenue and 15 trades, they're going to be able to get just about anything they want. Even though the application itself will clearly even say you have to be in business three years and have a million in revenue, their computers will still automatically issue approvals as long as you have the primary factor they're looking for, which is number of trades.

That's a really powerful lesson. Now, I also want to clarify you throughout stories names like Nordstrom and you're not proposing that people go do personal shopping under business credit, right?

Well, absolutely not. I mean, you know, there's all kinds of consequences when you're, you're, when you're co mingling funds for a business on the personal side. And that's a topic better, more equipped for accounting. But Nordstrom also sells suits. Right. And that's why they offer commercial credit. Because when you're looking at these type of places, they're selling suits, they're selling ties, they're, they're selling all types of things that business owners are buying and also using it as a business expense.

Well, gifts and office decor. I mean, there's a range of things that you might find through Nordstrom, but gifts is certainly a big one that you could do.

Sure. And the same is with Macy's as well. Whether you're getting clothes for yourself, gifts for actual businesses, or to use to obtain new customers. There's a lot of different uses. But yeah, you absolutely, absolutely never want to commingle business and personal funds. There's all kinds of serious consequences for doing so.

Absolutely. And then the other thing to begin to do then is as you come up for things, start to renew them or create new ones that are not attached so that when something happens. I think one danger that I've seen with clients is you get down the road a little bit and then you didn't realize that you've got 500 grand in personally guaranteed lines and you didn't or credit cards or any number of things like that that you didn't separate, you didn't unwind where you had in other arenas. So it's very easy conceptually. When your lease comes up for renewal on your office, you sign another five year lease as typical in many places. And then after you've done one or two terms you could say, hey look, we have enough credit. I want you to remove my personal guarantee on this. And depending on market conditions you may do well with that. Like if there's a lot of choices for places for you to go and your landlord wants to keep you and like that. So that's a really great moment. But you've got to do a similar thing with credit cards that you initially guaranteed and maybe everybody's running around, you've got 25 people carrying credit cards in your name now that you've signed on to. So we've got to disconnect those and move those over. Is it possible to get the personal guarantee removed from those or do you need to apply for new ones?

You have to apply for new, you're never going to get the personal guarantee removed. You bring up a great point. The majority of people statistically are using personal credit to fund their business. The problem is that one of the key components of credit is called capacity. Businesses have a greater need for capacity than consumers do. This is why commercial credit card limits are like 10 to 100 times higher than consumer per SBA it's very common to get a 40, $50,000 limit Dell account where you may never see that on the personal side. Who needs to spend 50 grand in personal computers with Dell? So but the issue is that, you know, 30% of your consumer FICO, almost a third of it, is based on utilization. So when you're using your consumer credit to fund your business, the balances that you're increasing on your consumer credit. Scott, plummet your consumer credit scores and then that hinders your ability to get mortgages and car loans and loans on the consumer side. And it also ruins your ability to get other kind of business financing where your personal credit really can have an impact such as higher limit loans and things like that. That's one of the important, you really want to separate it is because in doing so you're basically using credit that's only on your commercial credit reports. You're not using personal credit cards. So it won't hinder, won't lessen, won't damage your consumer credit scores.

All right, so just to Recap and wrap the show for folks because we've given people a laundry list of action to go undertake. So if you're in the early stages of setting up your business or if you've neglected some of the things we want to first of all go and set it up right, that means a good address, website, phone, fax, etc. All looking really legit along with an ein number or the equivalent if you're in another country. So a number that ties not to that. Then we want to begin to check with credit reporting agencies and begin to see where you stand, what information is out there already on you and what it looks like. And then you want to begin to get some vendor credit. So can you go out to some vendors that are easy and you mentioned folks like Uline and Quill as possible good places to begin getting credit and then expanding out to various kinds of store credit, where it be gas or office supplies and so on. Expanding that until we get out to 10 to 15 trade lines established out there under the bizarre business and then we can begin to establish some cash credit. Can you get actual lines under the business alone and you've really set your business apart from yourself. And then as a wrap up, we talked about beginning to disconnect any of the initial things that you had personally guaranteed.

Yep, that's a great summary.

All right, well, thanks so much for being on the show. I'll put the links and so on in the wrap up and the opportunity offer that you've got for us. Thanks again, Ty. This is a really important show. Appreciate you being on.

Bill. I had a blast man. Thank you so much for having me on.

All right, today's show gave you a powerful recipe of things to get done and I want to give you a couple links of tools to go get it done. Get your business credit set up or improving and begin to separate your business and your personal credit. Before I do that. All things if you want to find all things Scaling up How to get your team scaling up how to work through our quarterly and annual planning sessions. We've got tools for scaling up worksheets and things like that@scalingupbusiness.com you can download our growth kit there with everything that you need to begin to run your team and get down the process of scaling up. You'll also get an introduction to scaling up there. You'll find tools on improving your credit@creditsuite.comein so so if you want to go and begin to understand how to do this process, get a recap. You'll go to creditsuite.comein and there you'll find us the steps and everything you need to do to get to follow the process we talked about in today's show. Special thanks to our show producer NY Obaid Audio production by Podfly Productions the Show edited by Albert Burge and our show notes by Ein Codina and proofreading by Tim McGowan. We'll see you next time. Are you ready to turn your goals into daily wins? You should check out our Scoreboard software Powered by Align, it's the official software for scaling up. With Scoreboard, you'll get an AI driven coach for priorities and KPIs and it'll help keep your team focused on what matters most. With Align, you can track your goals in real time and you'll even see results on the go. With their mobile app you can rest easy knowing that Align has world class onboarding and stuff support to set your team up for success. This is really more than just software, it's what I actually use to manage growth in our scaling up client teams. Unlock clarity and results with Scoreboard by Aligned. To try it now, go to aligntoday.com Bill G One more time aligntoday.com Bill G that's aligntoday.com Bill G Check it out and try it now.