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Are banks turning you down for business funding? Wondering how to actually make your business "bankable" in 2025—without maxing out your personal credit cards or falling for social media myths?

In this episode of the Money Ripples podcast, I, Chris Miles, sit down with Amanda Webster—Director of Partnerships at Fund&Grow and a true expert in the world of business credit—to break down how business owners can actually get access to the money they need without sabotaging their future.

Whether you're a brand new entrepreneur or an experienced business owner trying to scale, Amanda explains why traditional advice about building business credit often leads to confusion—and in some cases, legal trouble. From the truth about personal guarantees, to credit card stacking myths, to the essential banking relationships you need to be building now, we cover it all.

You’ll learn:

• The key differences between personal credit and business credit (and why they matter)

• Why EINs don't automatically create business credit—and how to fix it

• What makes you "sexy" to banks in 2025

• Why business credit cards aren't as risky as you’ve been told (if used properly)

• What to do in your first 1–2 years of business to become fundable

• Why bank relationships are EVERYTHING (and how to build them)

• The right time to use SBA loans, lines of credit, or vendor trade lines

• Why you should NEVER use your debit card for business expenses

• And the #1 mistake people make when searching “business credit hacks” on YouTube or TikTok

Amanda even shares how Fund&Grow helps clients secure up to six figures in business credit using smart, phased approaches that align with each stage of your business. You’ll hear how their system works—and how you can get started with a FREE consultation through the link below.