We map the legal moves that turn a young company into a funding-ready business, from entity choice and clean governance to strong contracts and bankable IP. Uma Bansal shares the checklists investors trust, the red flags that stall deals, and the timing for hiring counsel.

• choosing between LLC, S corp and C corp for growth and funding
• separating personal and business finances to avoid liability
• drafting robust contracts lenders respect
• converting IP into assets and collateral
• due diligence red flags and how to fix them
• corporate governance, minutes and resolutions
• compliance requirements in regulated industries
• key loan terms, covenants and default triggers
• bringing in investors with solid operating agreements
• when to hire an attorney and how to build your team

If you'd like to be a guest or get in touch with us, please visit our website at www.tdjequityllc.net or email us at team@tdjequityllc.net

Support the show

If you need assistance in obtaining funding, book a free discovery call at www.tdjequityllc.net. Let us know the scope of funding needed and the amount. A broker will contact you to discuss your funding needs. And remember, at TDJ Equity Funding, we do not force your funding needs into a lender's box but find a lender's box that fits you!

What happens when you leave your W-2 job and that comfortable corporate benefits package disappears? For small business owners, creating your own financial safety net isn't just important—it's essential. Yet as financial consultant Don Workman reveals in this eye-opening conversation, most entrepreneurs are dangerously underprotected.

Did you know that approximately 75% of small businesses are underinsured? While you're pouring everything into growing revenue, your business and personal financial foundation might be perilously fragile. Workman walks through the critical insurance coverages every business needs: general liability to protect against lawsuits from injuries on your property, professional liability (E&O) to guard against claims of negligence, workers' compensation for employee injuries, and increasingly vital cyber liability insurance to protect against data breaches that could devastate your business reputation.

Beyond business protection, Workman illuminates the personal financial safeguards entrepreneurs need. Unlike financial advisors who charge monthly fees regardless of performance, Workman explains how consultants like himself offer free consultations and are compensated by carriers only when solutions are implemented. This approach makes professional financial guidance accessible to businesses of all sizes.

The conversation covers powerful retirement vehicles that allow business owners to defer up to $68,000 annually (as of 2024), tax-advantaged life insurance products that offer both death benefits and living benefits for conditions like terminal illness and Alzheimer's, and annuities that provide growth potential with protection from market downturns. Workman also introduces a supplemental program through IRS Code Section 125 that can save businesses significant money on payroll taxes while providing valuable benefits to employees.

Whether you're just starting your entrepreneurial journey or have been running your business for years, this episode delivers actionable insights to ensure you're not just making money, but protecting it properly. Connect with Don Workman at WealthGuard Solutions to receive a free consultation and start building the comprehensive financial protection strategy your business deserves.

Support the show

If you need assistance in obtaining funding, email us at podcast@tdjequityfundinginsiders.net. Tell what the scope of funding is needed and the amount. A broker will contact you to discuss your funding needs. And remember, at TDJ Equity Funding, we do not force your funding needs into a lender's box but find a lender's box that fits you!

The transition from W-2 employee to business owner brings unexpected financial challenges that many entrepreneurs aren't prepared to handle. While most business owners dutifully secure a CPA for tax preparation, they're missing a crucial piece of their financial team: a dedicated financial advisor who can transform their business cash flow into long-term wealth.

Financial experts Sean Williams and Rachel Walker reveal the strategies that allow small business owners to access the same financial advantages as Fortune 500 companies. They break down the essential components of proper cash flow management – including how to forecast 6-12 months ahead, segment expenses strategically, and create that critical 3-6 month emergency fund that prevents panic decisions during lean periods.

Beyond day-to-day operations, they explore how business owners can leverage tax-advantaged vehicles like retirement plans and Index Universal Life policies to simultaneously reduce taxable income while building wealth. These financial tools create tax-deferred or tax-free growth opportunities that most entrepreneurs miss when focusing solely on their business operations.

Perhaps most valuable is their guidance on succession planning through tools like buy-sell agreements and key person coverage. These strategies ensure your business maintains its value and continues operating smoothly even after unexpected events like disability or death. As Williams emphasizes, "If you don't plan to succeed, you're planning to fail."

Whether you're generating $100,000 or $1 million in revenue, implementing these financial strategies creates the foundation for true independence – where work becomes a choice rather than a necessity. Don't wait until tax season to think about your financial future. Connect with a financial advisor who can help articulate and achieve your vision while you focus on growing your business.

Support the show

If you need assistance in obtaining funding, email us at podcast@tdjequityfundinginsiders.net. Tell what the scope of funding is needed and the amount. A broker will contact you to discuss your funding needs. And remember, at TDJ Equity Funding, we do not force your funding needs into a lender's box but find a lender's box that fits you!