Michael Hession is an authorized practitioner of the Infinite Banking Concept (IBC) who has been implementing this powerful wealth strategy for his own family for over eleven years and guiding clients toward financial independence for more than seven. As a Wealth Strategist at Factum Financial, Michael brings extensive real-world experience to his work. He previously spent 16 years as the owner and operator of a successful marine business, giving him firsthand insight into the financial challenges entrepreneurs face.

Michael also has a strong background in trading options, futures, and currencies, along with investing in and managing multiple real estate properties—experiences that revealed the risks of relying solely on traditional financial systems. Since discovering IBC eight years ago, he and his wife Ann have built multiple policies and are passionate about helping families and business owners create stability and lasting wealth.

During the show we discuss:

• What infinite banking is and how it works as a long-term financial strategy
• How specially structured whole life insurance policies can be used to build and access capital
• The concept of becoming your own banker and borrowing against your own cash value
• How business owners can use this strategy to fund investments, opportunities, and expenses
• The difference between infinite banking and traditional banking or financing methods
• How this approach can help create long-term financial security and wealth preservation
• Common misconceptions people have about life insurance and cash value strategies
• How entrepreneurs can integrate infinite banking into their overall financial and business strategy

Resources:
https://go.factumfoundations.com/perfectasset
https://calendly.com/mhession64/22min
https://factumfinancial.com/
https://theperfectasset.com/

Shane Engelken helps owners, operators, and investors structure financing solutions tailored to their unique needs. From straightforward acquisitions to complex, multi-layered projects, Shane's goal is to make the lending process seamless, transparent, and built on long-term trust.

Working with a bank that blends strength and flexibility with a hands-on, solution-focused approach, Shane primarily serves the Midwest while maintaining lending relationships in nearly 40 states. He works directly with principals and operators, providing capital across commercial real estate—including acquisitions, refinances, and construction—operating lines of credit, floor plans, equipment financing, and working capital loans.

Shane brings extensive experience with SBA, USDA/FSA, CPACE, tax credits, and a variety of layered capital structures. Whether you're scaling your business, acquiring new assets, or recapitalizing, Shane delivers tailored solutions designed to help you grow and succeed.

During the show we discuss:

• The different types of bank financing available to small businesses, including lines of credit, equipment financing, and commercial real estate loans
• How community and regional banks support entrepreneurs with more flexible lending relationships
• The role of SBA and government-backed programs in helping businesses qualify for financing
• How lenders evaluate businesses when determining loan eligibility and risk
• The importance of structuring deals with the right combination of capital sources
• Common challenges business owners face when trying to secure traditional bank financing
• How financing can support business growth, acquisitions, and real estate investments
• Why building strong relationships with lenders can lead to better long-term funding opportunities

Resources:
https://www.linkedin.com/in/shaneengelken/
https://www.fnbhutch.bank/

Adam Benowitz and Louis Calderone are the Co-Founders of VOX Funding, a leading fintech company providing innovative alternative financing solutions to small businesses nationwide. Together, they bring more than 60 years of combined experience across financial services, investment banking, trading, and entrepreneurship.

Adam, CEO of VOX Funding, is a seasoned investor and entrepreneur with a diverse background spanning finance, media, and impact investing. He previously co-founded Converge Media Group and is a founding partner at Exsight Ventures, an early-stage fund focused on eye health innovation. He also mentors startups at Harvard Business School and supports philanthropic causes including the Foundation for Fighting Blindness.

Louis Calderone, President of VOX Funding, began his career as an options and equity trader in New York before spending over two decades at Aegis Capital, where he rose to President and built the firm into a premier full-service investment company. United by a shared commitment to authentic leadership and lasting client partnerships, Adam and Louis continue to empower entrepreneurs with capital to fuel sustainable growth.

During the show we discuss:

• How alternative financing is helping small businesses access capital faster than traditional banks
• The role fintech lenders play in expanding funding options for entrepreneurs
• Why speed, flexibility, and simplified underwriting are critical in modern business financing
• How revenue-based funding and other alternative solutions work for growing companies
• What lenders evaluate when approving small business funding
• The importance of matching financing solutions to a business's cash flow and growth stage
• Common challenges small businesses face when trying to secure traditional bank loans
• How alternative lenders and brokers can help businesses access capital more efficiently

Resources:
https://www.voxfunding.com/