dustin mathews business credit manifesto

8/8/2019 Dustin Mathews Business Credit Manifesto

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TheBusiness

CreditManifestoSecrets To Getting Money

For Your Business

5000 Culbreath Key Way#9-319Tampa, FL 33611

www.BusinessCreditInfusion.com 2008 Dustin Mathews & Business Credit Infusion


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3 The Business Credit Manifesto | www.BusinessCreditInfusion.com

Copyright Notice

All rights reserved. No part of this publication m ay be reproduced ortransmi tted in any form or by any means electronic or mechanical. Anyunauthorized use, sharing, reproduction, or distribution is strictl y prohibited.

Legal Notice

While attempts have been made to verify information provided in thispublication , neither the author nor the publisher assumes any responsibilityfor errors, omission , or contradictory inform ation contained in this docum ent.

This document is not intended as legal, investment or accountin g advice.The purchased or reader of this document assum es all responsibility for theuse of these materials and information. Dustin Mathews orBusinessCreditI nfusion.com assumes no responsibility or liability wh atsoeveron behalf of any purchaser or reader of these materials.

2008 Dustin Math ew s & BusinessCreditInfusion.com


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Table of Contents

Who The Heck Wr ote This Report . 5

This Is NOT A Sales Letter........................................................................ 8

W hy W ou ld We Give Aw ay These S ecr ets............................... 9

The Real Truth About Business................................................................ 12

Per son al Cred it Actually Costs You M on ey............................ 14

The #1 Most Powerful Component To Business Credit........................... 15

W hat Donald Trump Kno ws About Business Credit.. . .. . .. . .. 17

Business Credit Bureaus Revealed........................................................... 19Tra de, Ven dor , Supply Credit vs. CA$H Credit...................... 21

How To Get The Banks To Chase You To Use Their Money................... 22

Th e Dir ty Little Secr et ........................................................ 22

Personal Guarantee Finally Cleared Up.................................................. 24

How To Get Even Mo re M oney: Advance d Strategies.... . .. . .. . . 25

We Look Forward To Serving You In The Future................................ 27

Killer Reso ur ces & Links ....................................................... 31

Just a word of advice before we get rockin and a rollin

Just Print It!Its always much easier to read and you can take it withyou everywhere!


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Who The Heck W rote This Report?

Hi, my name is Dustin Mathews. Google me if you care to,but youll find Im just a regular guy who seems to stumble uponthe back door methods or the good ol boy secrets to getting

what I want out of life. In this case, Ive discovered how toget entrepreneurs, business owners and investors massive lines

of businesses credit.

I wasnt born on the wrong side of town and I definitely wasnt born with a silver...or any kind of...spoon in my mouth.

Im probably just like you, trying to find a few shortcuts inlife. But I suspect youll want to know a little more about mebefore I take you on this journey.

After I left school, without purpose or direction, I kindafell into a job. I say kinda because I wasnt really overlyexcited about getting out into the workforce.

Who is?

To my surprise, my first real job was FUN (at least atfirst). It was a NEW chapter in life for me! But that new carsmell of a challenge wore off and like all jobs, it became aroutine...a lifeless boring routine!

I remember having to kick my own butt to get out of bed,make that dreary drive and show up for ANOTHER day of work.

Dont get me wrong. I dont have any regrets. You see,Im a big believer that you can learn from anyone or anything.And I did learn something.

Something so incredibly valuable, that I knew Ihad to share it with others. So I wrote a book called,How To Get Rich Working For FREE.

Its backwards thinking for most. Since, they tell us to get good grades in school, work real hardand maybe youll get to retire one day when youre 75!

Ouch.

I wrote about the power of apprenticing, actually workingfor free. And in return you become richer than you everimagined. Richer monetarily, richer in experiences, and richer

with relationships.


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This kind of thinking enabled me to work side by side someof the biggest names in real estate investing, self developmentand plain ol businesses. Im talking some BIG time names thatyou are familiar with!

But I digress from, why I write this report...

Now, my life is a lot more fulfilling because I work withentrepreneurs and business owners to help them launch or growtheir businesses...around their lifestyle.

Cool huh?

In fact, I just recently got to go down to Costa Rica to amastermind of the worlds leading real estate speakers, trainersand business owners.

But dont mistake me for some kind of a work-a-holic! Ihave a lot of FUN. In fact, while I

was in Costa Rica I got to do some zip-lining high in the treetops of thejungles. I also met a pick pocketingmonkey!

I share all of this with youbecause Im not a serious suit wearingbusinessman but just a guy thatspicked up a few things along the way.

Having access to money for mybusiness has allowed me to enjoy life

while Im growing my business. Ididnt leave working for someone else so that I could be a slaveto my own business. And you shouldnt either.

While helping entrepreneurs and small business owners Imet...

My Partn er, M ark...

Now, Id like to introduce you to my partner, Mark Bravo.Hes not only my mentor but a great friend...and hes got oneheck of a story that you should know about too.

While in the military, Mark was handed a copy of NapoleonHills classic book, Think and Grow Rich. When he got out ofthe military, he returned back home to California. He followed

Watch out for the animals whileyoure in other countries!


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his passion, KARATE. And taking what helearned from Napoleon Hill, he opened hisown karate school.

He hit it BIG!

In a short amount of time, Mark grewhis Karate School to over 4 locations

with over 400 students.

It was the late 90s, right in theheart of Los Angeles and Mark was livinglife.

Until, things took a turn...

He came down with a mysteriousillness that forced him into the hospital. And as you can imagine when youre notthere to run a business, guess whathappens...

It falls apart!

And thats exactly what happened. Mark lost his schools,his health and even his wife. He eventually had to filebankruptcy.

But Marks not bitter. Hes got that attitude, When life

gives you lemons, make lemonade.

While he was in the hospital he made lemonade. He studiedpersonal and business credit, corporations and asset protection.He really wanted to see how the wealthiest people in Americaprotect themselves from this kind of trouble.

Remember this guy?

Mark might be all smiles inthis picture but dont let

that fool you. Hes a trainedbusiness credit assassin!


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How is that O.J. can essentially get away with murder, bustdown doors with guns and not lose everything he has?

Hes surrounded by the right advisors that gave him a solidfoundation with asset protection - corporations and strategiesthat the wealthy use everyday...and Im sure luck was a bit of afactor too.

Youve probably heard stories of CEOs and famous peoplethat make big money, yet run into trouble. What seems like thebrink of disaster to us, is a simple transfer of their assetsand money.

You might be thinking, Dustin, theyve got a team of really expensive lawyers or granddaddys trust fund to get that kind of protection.

Thats exactly what I thought, until Mark started sharing with me what he had learned in the hospital.

Mark wanted to know this kind of stuff to make sure thatthis never happened to him again (and he was strapped to ahospitable bed for over 3 months).

This Is Not Some Sort Of Sales Letter

Let me tell you that this isnt some sales letter. Wedidnt pay some copywriter to write this. I wrote it, word for

word!

I actually have an ulterior motive. Its kinda sneaky...

Mark and I help big corporations getbusiness credit. And these businesses payus some BIG money to do so.

Its no surprise that there are othercompanies that provide a very similarservice. My question to you is...

How many of these companies, do youthink would reveal their process of gettingmoney?

None...


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Except one, us! And were definitely expecting to takesome BIG TIME heat for this. But you know what?

Who are you going to remember? Us or them?

Exactly.

At this point you might be confused, even skeptical.Youre probably wondering...

Why W ould Dustin & Mark Give Aw ay Their Secrets?

Heres the reality. Nearly all of our clients that we work with simply dont care to learn the process, they just want the

results...the money. And rightly so!

If your strengths are what you do...your business, and youstart spending time away from focusing on those strengths, then

you probably arent making as much money for your business asyou could be.

Will people go do this on their own? Absolutely. Thosearent the people were looking to attract and work with.

We also continually have to have hour long conversations toexplain our process to new clients. This report actually savesus time and money!

This is such an abundance based world and we love to give

back by helping others. And with this report we know that wecan help a lot more people by getting it in their hands.

So W ho I s This Report For?

Entrepreneurs Business Owners Real Estate Investors People looking to start a business Sole Proprietors Those with personal or business debt Self em ployed Network Marketers Anyon e with a corpor ation, LLC or an y other entity Those that are looking to protect their assets Anyone that wants to grow or expand their curr ent business


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People looking for money

If you dont fit into any of those categories above, thenthis report is NOT for you. But if you do, then this report isdefinitely for you.

So, You Ow n A P ig FarmI dont care what business you

are in.

Business credit can be used toget money for any type of business.And I want you to start thinking ofother businesses that might be tied toyour current business or one youdlike to start.

Lets say that you are a realestate investor and you flip houses. Well, thats Business #1.

But what other business are right under your nose?

What about the stuff inside thats left behind...thefurniture, the TV, etc? Couldnt you sell that stuff? Perhapsput it on eBay? Business #2

What else?

What about financing and selling the house?

Remember that friend who is a mortgage broker and a realestate agent? Get them to come work for you and you haveBusiness #3 and Business #4.

Lets review...

Business#1 Flipping HousesBusiness#2 Selling the Stuff InsideBusiness#3 Mortgages and FinancingBusiness#4 Selling the House, Real Estate Brokerage

Where am I going with this? Well, with each one of thesebusinesses we can build business lines of credit. And if youONLY got $125,000 in credit on each business youd have half amillion dollars!


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But Ill show you how to get a lot more than $125,000 perbusiness!

This stuff is incredibly powerful but Ive sat through somepretty stiff talks and read some really slow books on businesscredit. I know that this subject can be as boring as readingthe tax code or watching paint dry.

So I set out to write a report that was fun, exciting andeducational. So prepare yourself.

And keep in mind, everything that Ill be sharing with youis completely 100% legal but only a minority of businesses,entrepreneurs and people know that the business credit infusionprocess even exists!

I only have one rule...

Dustins #1 (and only) Rule For Getting Business Credit

No showing financials, business plans, messy paperwork orwalking into a bank!

Interested? Keep reading because were just warming up...

The Business Credit Infusion Process

You are only a few pages from discovering the incrediblypowerful world of business credit. Im talking about being ableto get money to start a new business or grow an existing one.

Look, youre reading this report because...

1. You are smarter than the rest of the folks out there (and I dont say that to blow hot air upside your backside) and

2. You are looking for money for your business.

I will reveal exactly how we infuse businesses with unsecuredlines of credit using unconventional strategies . We call thisthe Business Credit Infusion Process.

Are there other ways to get money for your business? Sure,but Im going to show you the exact methods that I just used toget $93,000 in business lines of credit in just 3 short months.


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I also share a story or two of the people that Ive helped getmoney for their businesses.

So before we get started, I am going to lay the foundation. Icant teach you how to run unless I teach you how to walk first.Dont skip over the beginning pages because one wrong step andyoull kill your chances for getting the most amount of creditthat you could possibly receive.

And you wouldnt want to do that, would you?

The Real Truth About BusinessAs an educated business owner you should know about this. You

might have even seen or heard this talked about before.

According to our good friends at the Small Business

Administration...

50% Of Bus inesses Fail InThe First Year

95% Of Businesses Fail In TheFirst 5 years!

Can you guess what the number one reason for their failure?

Lack of Financing!

You ever notice how things seem to occur in patterns ortrends in life? Dont we go out and have a few grand slam months in our business and then for the next few months itseems to slow down?

If you own a business now, then you know exactly what Im talking about...CASHFLOW.

Its pretty simple, cash comes in and cash goes out. Ifyou dont time it right or if something unexpected comes up thenyoull end up like a majority of business owners shutting thedoors...and...maybe even having to go back to a job.


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But with Business Lines of Credit, we takethese stats and transform them in our favor.And as you can tell, thats why Im sopassionate about working with entrepreneurs.

How Business Owners Typically

Go About Raising MoneyMany business owners get started by doing

one of the following...

1. Dip into personal savings, retirement or take amortgage on their house

2. Turn to family or friends for funds3. Some dip into their kids' college funds4. Go to the bank, angel investors or raise private

money

Now, I dont fault anyone for using any ofthese options because they are out making ithappen. But the truth is the first three onthis list are the most risky. Wouldnt youagree?

The fourth option...well...it breaksDustins #1 (and only) Rule For GettingBusiness Credit. Plus its incredibly hard.

A friend of mine, Jeff, has been inbusiness for quite some time. I told him whatI was up to, so he decided to go down to hislocal banker buddy and do things his way.

I kept asking him week after week, Howsit going?

No answer...smirk...disgruntled face. Yousee, the guy at the bank doesnt care aboutyour business. Hes got no sense of urgency

when hes getting paid $15 Dollars an hour.

Go ahead. I encourage you to go throughthis process of going to the bank. It will give you a realappreciation with what I am about to share with you.

A Quick NoteAbout The Word

Unsecured

Throughout this reportyou might see me use theword unsecured or thephrase unsecured lines of credit.

To the untrained eye, youmight think that this termhas a negative meaning.And normally youd beright, but were talkingbusiness credit here.

When I say UnsecuredLines of Credit thatsimply means that youdont have to put up anyassets in order to get thismoney.

Typically, banks andcreditors would want you

to secure your loan witha car, stocks, bank account,or even your home.

I stay as far away fromthis kind of credit as I can.Why put up assets whenwe dont have to?

And yes you can still get

access to 0% money!


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Now, the one option I havent discussed is what mostentrepreneurs end up doing to start their business...

Leverage their personal credit!

How many of you have ever used a personal credit card tofund a seminar, marketing or business phone?

Exactly! In fact, thats how I started my business. Mostof us end up doing this. Thats because we didnt know aboutbusiness credit, until now.

For those of you that insist on carrying your business withpersonal credit let me share with you why this is a mistake...

Personal Credit Is ActuallyDraining Your Bank Account

Heres what happens. The more and more credit that you goout and get, your interest rates start to climb slowly. In thebanks and creditors eyes you become riskier.

So your payments go from hundreds of dollars to thousandsof dollars over the course of a year.

Eventually you'll hit a ceiling and youll be tapped out.What will you do then?

Real estate investors run into quite frequently. They buya few houses using their personal credit to qualify for the loan.It shows up on their personal credit report and when they go tobuy they next house, theyre cut off by the banks.

To show you how unfairthis is, I went over tohttp://www.myFICO.com andpulled a chart of what aperson with good creditpays versus someone withbad credit.

In this example, Ipulled the rates andmonthly mortgage paymentsfor a modest $200,000Dollar House.
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A person with a good personal credit score pays $1,152Dollars a month. But a person with a bad credit score (samehouse, same mortgage) pays $1,796 Dollars a month.

Thats a difference of $644 Dollar s per month or $7,728Dollars over the course of just 1 year.

In todays day and age, you MUST protect your personalcredit score. It seems like your whole life is centered aroundit!

We want to keep our personal credit and our business creditseparate. The other BIG reason that you shouldnt use yourpersonal credit to carry your business...

Youre Completely On The Hook For EverythingWhen you carry your business with personal savings or

credit and something should happen, guess who theyre comingafter?

You.

But with business credit, when structured properly we canactually use the shield of our corporation to protect us. Downthe road, your entity can guarantee money that it borrows andnot you personally.

Good? This is better...

The Most P ow erful Component of Business CreditHow many Social Security numbers

can a person have?

You might be smirking as yourereading this. There are ways ofgetting another Social Securitynumber but they're not very legal.

So the answer...without going tojail...is one!

But how many businesses, entities or corporations can youhave?


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UNLIMITED!In the personal world, credit is based off of our social

security but in the business world, credit is established off ofyour Tax ID (which is what you get when you open your doors forbusiness).

So we can establish credit on each and every one of ourbusinesses. We can virtually have an unlimited way of buildingcredit!

Liking this so far? Keep reading...

I actually recommend to people that they form multipleentities. Heres why...

DISCLAIMER: Im not an attorney or taxprofessional, nor do I like to play one on TV.

Each type of entity has its own tax advantages. So if youarent able to write off a certain expense in one company, youmight be able to write it off under another.

Having your company foot the bill for your health care is agreat example of this.

The Coveted Safety Aw ard

Ill share with you something that I plan on using thisyear.

In a C Corporation, they have thisextremely brilliant thing called a safetyaward. If any of your employees go anentire year without hurting themselvesthey could be considered for a safetyaward.

And with this award comes a nice

write off to the company of $1,600 Dollars.

I plan on winning the safety awardthis year. So far no paper cuts. Keepyour fingers crossed!


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Why Cant This Guy Find A Good P lace To Get A Haircut?

You think a guy with so much money, influence and powercould find a good place to get a haircut.

What's the deal?

Donald is the Ultimate MasterLeverager. He uses business credit along

with other people's money to finance hisprojects and fund his business.

The reason why I share Donald Trump with you is to show you what's possible with business credit. Hes got billions

of dollars in lines of credit!

You see, its not about getting to$50,000, $100,000 or even 1,000,000Dollars. Its about starting now andbuilding it. As your business grows, theamount of credit it can receive grows too.

So if you ever aspire to build or buy commercial buildingslike the Donald, then you better start building your businesscredit now!

It All Starts HereGetting massive lines of credit for your business starts

with being incorporated. Youve got to have an entity.

If you are a sole proprietor or running your businessunder the table you are missing out on huge tax advantages andputting yourself at RISK BIG time.

If you arent incorporated you can go tohttp://www.legalzoom.com and theyll set you up. Dont befooled by lawyers who trick you into paying big fees to get thisdone.

Getting incorporated is inexpensive, quite simple and canbe done all online in most states.

If youd like to save even more money you can do thisyourself by getting a copy of Socrates Software athttp://www.socrates.com
http://www.legalzoom.com/jump.asp?iRefer=3298&sURL=/business-formations/business-formations.htmlhttp://www.legalzoom.com/jump.asp?iRefer=3298&sURL=/business-formations/business-formations.htmlhttp://www.legalzoom.com/jump.asp?iRefer=3298&sURL=/business-formations/business-formations.html


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M indset Shi ft Ahead...When I say the word "corporation," who are some of the

companies you think of?

Perhaps...

Well when you incorporate yourself and say you're acorporation, banks and creditors treat you like one.

The More Your Corporation Borrow s,The M ORE It Gets!?

Now, you're probably thinking, "Dustin, that doesn't makeany sense. Why would somebody want to keep giving me more andmore money?"

Well, when your corporation gets $50,000 in unsecured linesof credit, makes purchases, and pays it back on time - it startsbuilding history.

Good history.

Well, when other lenders and banks see our good historythey will want to lend us more money. Makes sense, right?

They make money off of lending us money! And thats okaybecause Ill show you away how we can get this money at 0%interest!

The Best Entity For Corporate CreditIt doesn't matter. Now, some say that a C corporation is

the best because it is the oldest kind of entity. Sounds goodbut I was pretty content with my new LLC getting $93,000 Dollarsin 90 Days.


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Perhaps for building long term credit this applies butremember, if you plan to be in business you should have multipleentities so that you can take as many advantages that Uncle Sam gives us.

If you are a Sole Proprietor

Dont use the Business Credit Infusion Process. You willseriously mess up both your personal and business credit.

I dont know why youd want to continue operating this way afterreading this report but just in case you do, dont.

Your easiest and best bets are S or C Corporations, or anLLC.

Business Credit Bureau Secrets Revealed

Just like in the personal credit world, there are creditbureaus. But in the business world there are two main businesscredit bureaus...

1. Dun & Bradstreet2. Corporate Experian

There are other business credit bureaus, but these are themajor players.

Dun & B radstreetDun and Bradstreet, aka D&B, identifies your company or

business by a DUNS number.

With D&B your corporation is rated on ascale from 0 -100 (just like in grade school).And they call this a PAYDEX score.

They make it nice and easy for us(unlike the personal credit range of 350-850).

You want your business to have at least an 80score.

Now you might be thinking

Why not shoot for the moon and get a perfect score of 100?


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Well, almost being next to impossible to get, (unless youuse some ninja like strategies) no one has a 100.

But more importantly, it shoots a red flag in the air. And when a lender or creditor sees a red flag it freaks them out.

They start asking you questions and want to see how in theheck you got a perfect score.

And remember Dustins #1 (and only) Rule For GettingBusiness Credit. No showing financials, business plans, messypaperwork, or walking into a bank!

And at the other end of the spectrum, ifyour score is too low, you wont get the MAXIMUMamount of business credit that you could.

So the next question you should ask is...

Dustin, how do you get this PAYDEX? How do you get an 80 score?"

Well, what you have to do is you have to goto five vendors that report back to Dun &Bradstreet.

What's a vendor? Really, its just a storethat you do business with.

Heres what you do...

1. Go to store2. Apply for credit3. Get credit from store4. Go use your credit and buy stuff 5. Make payments on time6. Repeat steps 4 and 5 for four consecutive months

So you want to work with five companies that report back toDun and Bradstreet and that's going to get your score to an 80,as long as you pay them back on time. It makes sense, doesn't it?

The other thing you can do is ask the companies you alreadydo business with to report to the credit bureaus. Some will andsome wont.

Food ForThought

The business creditbureaus, Dun &Bradstreet andCorporate Experian arein the business of selling our businessinformation.

And at first youmight think thats a badthing, but its actually aGOOD thingif youstructure your businesscorrectly. Ill explainwhy, later.

(See The DirtyLittle Secret Section)


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Vendors will extend you credit without asking for yoursocial security number. If you come across a vendor that wantsyour social security number; run!

Corporate ExperianExperian is very similar to Dun & Bradstreet, with a few

exceptions.

With Experian, your company gets arating, which they call an Intelliscore.Its the same range, 0 100.

You want an 80+.

They only require 2 vendors to report before you get ascore.

The Two Kinds of Business CreditThere are 2 kinds of business credit. The first one is

called Trade Credit .

Some people also call this supply or vendor credit , butIll stick with the first. Trade credit is where it all beginsand its your gateway to everything else that business credit hasto offer.

Now, the secret to getting to getting lots of credit downthe road starts here with trade credit.

Your tip here is to go get trade credit and use it. Go tothe store, buy what you need for your business and then pay itoff on time. Do this for at least 4 months in a row. By thenthese stores or vendors will have had enough time to report backto D&B and Experian.

I don't know about you but I don't need $50,000 in officesupplies, right? So lets talk about...

...the second kind of credit, Ca$hCredit . This is the one that peoplesalivate over.

With cash credit you can buyanything you want (as long as it relatesto your business, of course). Some


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banks and credit card companies will even give you checks.

You can find a list of banks that I like to work with athttp://www.businesscreditinfusion.com/secretcards . But dont gothere until youve read this entire report!

Now, you can't just ignore the trade credit because thatgets us a nice high score, which leads us to...

How To Get The Bank s To Chase YouAt first we have to chase banks to give us money. And all

that means is that we go to them and start filling outapplications.

But when we build our businesses the right way, the banks will start chasing us. (Its very similar to how you get offers

in the mail for personal credit cards. The higher your score,

the more and the juicier the offers!)

The Dirty Lit tle SecretRemember Dun & Bradstreet and Experian?

Well, they are in the business of selling our companysinfo. And guess who they sell it to?

Banks, lenders and creditors!

These information seekers are looking for companies in goodstanding so they can bombard them (us) with offers to get ourbusiness.

Well youll be sitting pretty because youll have at leastan 80 score.

Makes sense doesnt it?

Flying Under The RadarWhen we go to fill out these applications you must keep in

mind that we dont want to attract any attention toourselves. Its not that were doing anythingillegal but we just want to get our credit andleave.

Heres what I mean...


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In the business credit world we get to project what ourbusinesses will make, not what we are making right now. [By theway this is probably the most powerful aspect to businesscredit].

We get to project what our businesses are going to make.

Now, how many of you would project $10 million?

Kudos for thinking BIG but nows not the time. If you wereto put down your lofty goal, the bank or creditor would tell youto Prove It. Theyd ask for business plans, financialstatements and a whole bunch of paperwork.

That violates Dustins #1 rule!

But if you project your company too low, they wont giveyou as much credit as you could possibly get.

Bank s Love Years So Give It To Them!Banks love to see companies that have been around for

awhile. Shows stability...I guess.

Now, for some of you, you're not even incorporated and youmight be thinking, Dustin, they arent going togive me anything.

So you should be asking yourself, How canI get some years?

Heres a sneaky, yet totally legitimatestrategy.

We can buy these things called shelf corporations or evenold corporations.

Lets start with Shelf Corporations. Theyre kinda likethey sound...they sit around on the shelf. They arent doing

anything but collecting dust.

Heres where you come in. You can buy these ShelfCorporations and become the officer of the corporation,literally overnight.

Then when you go to apply for credit and it asks What isthe date of your corporation?


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You can legitimately say...however many years it has beenaround!

Cool huh?

Now for the old corporations. Same rules apply. But youjust go looking for these in a different place.

Go to your states corporation website and do a search forinactive corporations. Look for one with at least 2 yearshistory and contact the owner of that corporation.

Call the owner up and offer to buy thecorporation from them. Now, there are twothings to watch out for.

1) You will have to pay fees to bring thecorporation current and change ownership and

2) Be sure there arent any issues with the IRS orany other creditors. (You can do searches at thecourthouse on this kind of stuff).

The Personal Guarantee M ythIve done my research and found that some

of the other guys are confusing the heck out ofpeople. Telling them that they can get credit

without a personal guarantee.

Sure, it can happen, but not if you aregetting started...AND...if you want to get biglines of cash credit!

Only a few short years ago, you could get alot of business credit without revealing yoursocial security number. Nowadays, you arentgoing to find any substantial credit.

Trust me, Ive looked!

Before you apply for business credit youshould look at your personal credit report. Youcan do this for FREE at http://www.myFICO.com !

After that, you can apply for thesebusiness cards, which can be found at

What DoesPersonal

GuaranteeMean?

When it comes tobusiness credit, apersonal guaranteesimply means that you,an actual person,comes from behind thecorporation and saythat you are good forthe money.

Its important toknow that you arentputting up any assetslike your home or car.(That would be securedcredit!)

Also when you applyfor certain types of business credit, they

will ask to check yourpersonal credit report.But when you get thatline of credit, it wontshow up on yourpersonal credit report!
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http://www.businesscreditinfusion.com/secretcards . But keepreading because one wrong move and you could be crippled!

How To Get Em To Give You Even More M oney

Now, here's a strategy that doubled the amount of moneythat I got when I first got started.

I went out and bought stuff for my business. You knowpaper, gas, ink, etc. The same things that I was buying beforeusing my personal card. Instead, I started using the businesscredit cards that I got.

Then I made the minimum payments. I didn't pay off the whole amount, but I made my payment that I had to make. (These were 0% interest cards, so no extra payments).

I did this for 3 months.

Then I decided to call the bank. Keep in mindthat I was nervous because the first card I got wasa $12,000 card at 0% interest for an entire year. I

was thinking if I screw this up, they might take mycredit card away.

So imagine this nervous conversation between me and thebank. I get on the phone, dial the number, give the person onthe other side of the phone my account information and shesays...

"Hi, Mr. Mathews. What can I do for you today?

I muttered, Id like to increase my credit limit if I could.

She came back and said, How much would you like to increase your credit line to?"

"How much would I like to increase my credit line to?" I was dumbfounded and caught me off guard.

So I muttered out $20,000 Dollars.

Instantly she said, "Congratulations, Mr. Mathews. You are approved."


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A B IG Negotiation TipNow, I was very happy but at the same time I was very sad.

Can you guess why I was sad?

Exactly. I could have and should have asked for more money.

But that's okay. They gave me another $8,000 at zeropercent. Zero percent!

Lesson learned right?

So, I did it again with one of my other cards. But thistime, I learned my lesson.

Heres how it went down.

Three months, went out and bought the things I needed for

my business and then I asked for an increase.

So I got back on the phone and called the bank.

She said, "Hello, Mr. Mathews, how can I help you today?"

"I'd like to increase my credit line," I replied with a bigconfident smile.

She said, Certainly. How much would you like to increase it to today?

Ha. I played this game before! I cant lose, I thoughtto myself.

So I said, $50,000! and there was just silence...

Just like that.

She came back and said, "I'm sorry, Mr. Mathews. We can't increase it to $50,000. But what I can do is give you another $6,500."


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Ha! Another $6,500 just like that, I thought!

I told her, Ill take it!

So I was able to get another $8,000 just by asking for it.Just by asking for it!

But I did do the right things to get there. I went andbought business supplies and I paid it off.

I was building history. And that's the strategy that we want to employ. That has increased my credit lines double!

I almost forgot to share with you that shortly aftercalling the banks I got letters in the mail stating my increasesand lines like...

W e look forw ard to serving you in the futu re. Doesnt that give you a warm fuzzy feeling? Seriously,

dont you want to work with banks that are happy to give youmoney?

Exactly!

DC Fawcetts StoryA good friend of mine has been leveraging business credit

in his business, which is buying and selling real estate. Youdbe amazed at the kind of things hes doing.

Anyways, DC has invited me to play a game with him. Whocan get the most amount of business credit!

Ha! I love games I can win!

DCs off to a good start because overthe last six months hes lined up over$230,000 in business lines of credit.

Want to know his secret ingredient?

Ive already mentioned it...

Multiple corporations!


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I want you to start thinking like this. Have multiplecorporations and start building credit.

DCs always telling people, You have to set up yourbusiness lines of credit when you don't need them so the moneyis available when you do need them. If you try to get it whenyou need it, it's much harder to get.

And isn't that like life? When you're looking forsomething you can never find it and when we don't need it, itsalways in plain sight.

So get to building! But before you do, I want to share onemore story with you, because it has a valuable lesson,especially if you have a spouse or a partner.

The Pow er Of Partnerships The School Teachers

Mark ran into Jose & Leticia while attending a real estateseminar. Being school teachers they werehappy with what they did but werent happyhaving to fight just to get by.

So they decided that they would pursuereal estate investing part time to helpincrease their income and live a betterlife.

However, Jose & Leticia werent sure

which area of real estate investing they wanted to pursue: wholesaling, bankruptcies, probates, foreclosures, commercial

buildings, lease options, etc. They were pretty inundated withall the options.

Mark asked them, Wouldnt you like to have $100,000Dollars or more to invest when you decide which area of realestate investing is for you?

Naturally, they said yes. So Mark started working withthem to build their credit. They went through the same exact

process that I shared with you and were able to get nearly...

$70 0,000 Dolla rs!!!Let me tell you that this didnt happen overnight. It took

about a year to get to $700,000 Dollars.


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But can you imagine having $700,000 Dollars for yourbusiness, even before you opened the doors?

Want to know their secret?

They went after credit separately even though they weremarried. You see, most people who are married are told to filejointly on credit applications.

You might have even done this when you bought a house or acar. But when you do this, they look at both of your creditfiles, potentially hurting your scores.

Why not protect them?

So when you are filling outbusiness credit applications, fill them out separately. One officer fills outan application with a lender and thenanother officer fills out the sameapplication. Just dont make anyreference to the other person.

Its as simple as that!

Getting a million dollars inbusiness credit in a very short amountof time is possible. My question to you is how many creditpartners can you find?

Thats it! Youve officially been handed the keys to theBusiness Credit Kingdom.

Knowledge is NOT power. Action upon knowledge is TRUEPOWER! With that said, Id like to leave you with a quote from Calvin Coolidge. Something to keep in mind when going afterbusiness credit.

Nothing in the world can take the place of persistence.

Talent will not. Nothing is more common than unsuccessful men with talent.

Genius will not. Unrewarded genius is almost a proverb.

Education will not. The world is full of educated derelicts.

Persistence and determination alone are omnipotent.

The slogan press on has solved and always will solve the problems of the human race.


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To Massive Lines of credit,

Dustin Mathews, along with my partner Mark Bravo

P.S. Be sure to check the Killer Resources Section on thefollowing page

P.S.S. Dont miss out on having your questions answered. Seethe last page for more details!


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Killer ResourcesTo save you some time, Ive included all the links, I

mentioned throughout the report right here for you. (Youll alsofind these links at http://www.businesscreditinfusion.com/blog )

I use each one of these resources for my business along

with my students.

http://www.legalzoom.com Incorporate Online http://www.socrates.com Incorporation Software http://www.myFICO.com Personal Credit Monitoring & a FREE

Credit Report http://www.businesscreditinfusion.com/secretcards -

Business Credit Cards with the BEST rates

I Need Your Help!

This is the first edition of the Business Credit Manifestoand I expect you might have a question or two and maybeeven some comments.

Normally, we dont answer questions unless you pay us aHEFTY ransom but I need your help filling in the areas that I

might have left out! And I want to reward you for making itto the end of the Business Credit Manifesto.

So go on over to the blog and post your questions andcomments at

http://www.businesscreditinfusion.com/blog

and Ill be answering and responding to your questions inthe next few weeks!
http://www.legalzoom.com/jump.asp?iRefer=3298&sURL=/business-formations/business-formations.htmlhttp://www.legalzoom.com/jump.asp?iRefer=3298&sURL=/business-formations/business-formations.htmlhttp://www.dpbolvw.net/click-3036959-10439158http://www.businesscreditinfusion.com/bloghttp://www.legalzoom.com/jump.asp?iRefer=3298&sURL=/business-formations/business-formations.htmlhttp://www.dpbolvw.net/click-3036959-10439158http://www.businesscreditinfusion.com/blog

dustin mathews business credit manifesto

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