Ryan Stewman never dreamed of becoming an entrepreneur. Yet his remarkable 15-year journey from reluctant business owner to financial strategist offers a raw, unfiltered look at what it truly takes to build a multimillion-dollar enterprise without venture capital or industry connections.

After losing his mortgage industry position due to regulatory changes, Stewman found himself pioneering what would become the podcast and social media influencer space. Rather than pursuing celebrity status, he focused on building legitimate businesses that have collectively generated over $100 million in verifiable sales. His authentic approach stands in stark contrast to the carefully curated success stories that dominate entrepreneurial content.

The conversation takes a fascinating turn when Stewman reveals the financial strategies that major corporations use to optimize their positions. He explains how borrowing capital can actually provide more usable funds than earning the same amount due to tax implications – a concept many business owners fail to grasp until it's too late. Through his company Closer Capital, he's not just providing funding but educating entrepreneurs on how to use financing as a strategic tool rather than a last resort.

For seasonal business owners, particularly in industries like roofing and construction, Stewman offers invaluable insights into managing cash flow challenges. He details how securing lines of credit during peak revenue periods can provide the flexibility needed to pursue larger projects and weather slower seasons. His practical advice on timing loan applications and understanding interest rate structures provides a roadmap for business owners looking to leverage financial tools effectively.

Perhaps most compelling is Stewman's candid comparison between employee and owner perspectives. Having experienced both sides, he highlights how salespeople often fail to appreciate the immense pressures facing business owners – from unexpected tax bills to navigating sudden changes in payment terms from major clients. His stories serve as a sobering reminder that behind every successful company stands an entrepreneur who has weathered countless financial storms.

Ready to transform how you view business financing? This episode will challenge your thinking and provide actionable strategies for using capital to accelerate your growth rather than just keeping the lights on.

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