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

Are you working harder but not making more money?

The problem may not be your income—it may be the habits, beliefs, and decisions quietly holding you back.

In this episode, Jeri uncovers seven common ways people sabotage their income goals and shares practical mindset shifts that can help you think and act more like a wealth builder.

• Feeling stuck financially? Discover the hidden behaviors that may be limiting your income without you realizing it.
• Think all debt is bad? Learn the difference between debt that drains you and debt that helps you grow.
• Wonder why success feels harder than it should? Find out how comfort, procrastination, and a lack of urgency can quietly stall your progress.
• Looking for practical advice? Walk away with simple shifts you can start making today to build greater financial confidence and increase your earning potential.
• Want a personalized game plan? If you're ready to stop guessing, get matched with a Smart Credit Certified Consultant who can help you build a strategy tailored to your goals.

Get matched today: https://smartcreditcoach.com/help

• (00:00:00) - Welcome Back to the Smart Credit Experience
• (00:00:33) - 7 Ways That People Are Sabotaging Their Income Goals
• (00:07:35) - How to Increase Your Capacity to Win
• (00:13:29) - You Don't Want to Pay the Cost of Your Goals
• (00:17:47) - The Cost of Making Mistakes
• (00:21:16) - How to Make More Money by Thinking Smarter

Most entrepreneurs think they have a revenue problem.

In reality, many have a money management problem.

The truth is, the financial habits you developed in your personal life don't magically disappear when you start a business—they follow you. And if every paycheck seemed to disappear before you became an entrepreneur, there's a good chance your business revenue is disappearing the same way.

In this episode, Jeri Toliver shares a simple framework she calls The Six Jobs Every Dollar Should Have—a practical way to assign purpose to every dollar that comes into your business. You'll learn how financially literate business owners think differently about money, why lenders look beyond your revenue, and how intentional money management can make your business stronger, more profitable, and more fundable.

• Why more revenue won't fix poor money habits
• How personal financial behaviors carry over into your business
• The difference between spending and investing
• How paying yourself the right way strengthens your business
• Why financial literacy is one of the most overlooked keys to becoming fundable

Whether you're just starting your business or preparing to apply for funding, this episode will help you build the money habits that create long-term success.

Ready to become fundable?
Join the First Steps to Fundable Workshop and learn how to build a business that lenders trust.

Join here: https://smartcreditcoach.com/fstf/

Get matched with a Smart Credit Certified Consultant

Speak with a professional about your credit and funding goals: www.smartcreditcoach.com

• (00:00:00) - How to Get a Loan for Your Business
• (00:03:00) - Six Jobs Every Business Owner Should Have
• (00:05:07) - Spending More Money
• (00:07:05) - Business Survival: Preparing for the Worst
• (00:11:13) - 4 Job #4 for Business Owners
• (00:16:42) - Job 6: To Reduce Debt
• (00:18:35) - How to Get Funding for Your Business?

Every entrepreneur wants more funding—but what happens after you get approved?

In this episode of The Smart Credit Experience, Jeri Toliver breaks down one of the biggest misconceptions in entrepreneurship: that access to capital automatically solves business problems. The truth? Funding creates opportunity, but it's your ability to manage that opportunity that determines whether your business grows or struggles.

If you've ever wondered whether you should apply for a business loan, use business credit, or leverage other people's money to scale your company, this episode is a must-listen.

You'll learn:

• Why growing a business requires more cash than most entrepreneurs expect
• The difference between revenue, profit, and cash flow—and why cash flow keeps businesses alive
• The biggest mistakes business owners make after getting funded
• Five questions you should ask before borrowing another dollar
• How lenders evaluate your business beyond your credit score
• Why becoming fundable is about more than getting approved

Whether you're building a startup, preparing for business funding, or looking to scale your company responsibly, this episode will help you think differently about capital and cash flow.

Resources Mentioned:

• Take the Free Fundable Quiz: https://smartcreditcoach.com/quiz.html
• Register for the First Steps to Fundable Workshop: https://smartcreditcoach.com/fstf
• ️ Explore more episodes: https://smartcreditcoach.com/podcast

Connect with Smart Credit Coach
Website: https://smartcreditcoach.com

If you enjoyed this episode, be sure to subscribe, leave a review, and share it with another entrepreneur who's working to build a business that's not only fundable—but financially sustainable.

• (00:00:00) - Smart Credit: How to Get Funding
• (00:01:35) - Don't Let Funding Get You In Trouble
• (00:09:13) - How to Get Funding for Your Business
• (00:13:43) - How to Get Funded
• (00:16:23) - How to Fund Your Business?
• (00:17:42) - First Steps to Fundable

89% of our community said knowledge is the #1 thing standing between them and the life they want. This episode closes the gap — starting with the 7 specific outcomes a good credit score unlocks. In this episode:

• Why "better interest rates" is the wrong way to think about credit
• How a family of 4 flew to Cancún for $212
• The $63,000 most homebuyers lose without knowing it
• Why your LLC doesn't automatically have business credit
• The 3 moves that free up $400/month without earning more

• (00:00:01) - Having Good Credit = Building a Fundable Life
• (00:05:57) - One Fundable Life Perk
• (00:09:00) - Why You Should Buy a Home
• (00:12:35) - 6 Things That You're Missing Out On
• (00:20:08) - The 6 pillars of a fundable life
• (00:22:05) - Smart Credit Coach: The Fundable Life

In this episode of The Smart Credit Experience, Jeri Toliver breaks down a financial decision that changed everything in her entrepreneurial journey — what she calls “making the switch.”

Most entrepreneurs focus on revenue, believing higher income will eventually create stability.

But the truth is different.

Without proper financial structure and access to capital, many business owners remain stuck in survival mode — even when their business is generating income.

In this episode, Jeri explains:

• Why most business owners struggle to pay themselves consistently
• The difference between revenue, profit, and credit capacity
• How access to capital changes business decision making
• Why structure matters more than hustle

If you're a business owner looking to build real financial stability, this conversation will change the way you think about funding.

Learn more about business funding and get matched with a Smart Credit Certified Consultant:

https://www.smartcreditcoach.com/help

• (00:00:00) - The Business Switch
• (00:01:19) - Making the Switch to Business Owners
• (00:10:20) - The 4 benefits of a Social Security Plan
• (00:11:00) - How to Stop Stuck on Money
• (00:17:19) - Stop Stuck as an Employee and Become a Business Owner
• (00:23:09) - How to Start Thinking Like a Business Owner
• (00:25:51) - Dropping the Egos
• (00:27:10) - How to Make the Switch to a Business Plan