Your business can be making money and still be in financial trouble.

You can have strong sales, a packed client roster, and even show a profit on paper—while still struggling to cover payroll, expenses, or your next big move.

In this episode of The Smart Credit Experience, Jeri sits down with Sharlese Peoples, founder of Pathway to Profit Group, to break down the three numbers every business owner needs to understand to thrive.

You’ll discover:

• Why A six-figure business isn't necessarily a financially healthy business.
• Learn how to identify whether you have a sales problem, profitability problem, or cash-flow problems
• How unpaid invoices, weak follow-up, unnecessary expenses, pricing, and missed opportunities could be quietly draining your business.
• Why understanding these numbers can help you make smarter decisions about hiring, marketing, pricing, funding, and growth.

Listen now and learn the three numbers you need to know before you make your next big business decision.

• (00:00:00) - Welcome to SMART Credit
• (00:00:33) - How to Get Funding for Your Business
• (00:01:27) - The 3 Numbers Every Business Owner Needs to Know
• (00:02:37) - Sharlese Peoples on Revenue, Profit and Cash Flow
• (00:03:45) - What is Revenue and Do Numbers Tell the Story?
• (00:05:07) - Profit and Cash Flow
• (00:09:43) - Why You Need To Track Cash Flow
• (00:15:48) - Cash Flow Script Book

Your business is profitable. So why does it still feel like you're broke?

Making money and building a financially healthy business are two very different things—and I learned some of these lessons the hard way.

In this episode, I'm breaking down 5 reasons profitable businesses can still end up in serious financial trouble, including mistakes I've made in my own business.

You'll discover:

• Why treating your business account like your personal account can quietly drain your company
• How growing too fast can become a financial problem
• Why reserves give you more than money—they give you options
• When business debt goes from being a tool to becoming a burden
• Why knowing how much you made isn't the same as knowing your numbers

If you're making sales but constantly wondering “Where did all the money go?”—this episode is for you.

Ready to build a more fundable business?

Get matched with a Smart Credit Certified Consultant at smartcreditcoach.com/help.

• (00:00:00) - 5 Rules for Managing Money in a Business
• (00:05:10) - 3 Reasons Why Profound Businesses Go bankrupt
• (00:11:19) - 3 Ways to Get Out of Debt
• (00:16:32) - 3 Reasons Why Businesses Go Bankrupt

Getting business funding isn’t about filling out applications and hoping someone says yes.

If you want lenders to take your business seriously, you need to know how to present your business, target the right lenders, and create options before you accept an offer.

In this episode, Jeri breaks down a simple 4-step process for pitching lenders and approaching business funding like a financially savvy business owner.

Listen to learn:

• Why you should create a complete funding package before approaching lenders
• Why getting approved isn't enough—and how to determine whether an offer actually makes financial sense
• How generating multiple offers can give you more leverage to compare and negotiate financing terms

Ready for help with your funding strategy?

Get matched with a Smart Credit Certified™ Consultant who can help you identify your fundability gaps and develop a strategy based on your financial and business profile.

www.smartcreditcoach.com/help

Or join Jeri for the FREE Fundable Life Webinar to learn how to move from financial survival to stability, business growth, and wealth building.

www.smartcreditcoach.com/fundable

• (00:00:00) - How to Apply for Business Funding with Smart Credit
• (00:02:26) - How to Create a Funding Package for Your Business
• (00:10:32) - How to Get Funding for your Business
• (00:14:12) - Step 3, You need to present your business to lenders
• (00:20:14) - 4 Steps to Fund Your Business with Smart Credit