Get Fundable

Live from FICO World 2025, this episode dives deep into the challenges facing small business owners in today's economy. Our guest, David Smith—an SBA insider and expert in business origination—joins host Merrill Chandler to talk about EIDL loan defaults, rising inflation, SBA lending changes, and the ripple effects of regulatory shifts at the IRS and CFPB. From Five Guys burgers to $136 cowboy steaks, we're unpacking what price elasticity and economic reality mean for your business survival. It's real talk, no fluff—just insight, strategy, and a little humor. Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Ever pondered the intricacies of credit scoring and its impact on business financing? This is crucial for entrepreneurs and business owners alike. Merrill Chandler brings David Smith, a Key Account Partner and Small Business Segment Leader with FICO, to give some updates from FICO World 2024. They discuss the layers of credit scoring and the importance of cash flow analysis. Tune in to get some invaluable insights as they navigate the complexities of creditworthiness.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

You're in for a sweet treat with today's guest. In this episode, we've got tax hacks for your business. The father-daughter combo, Byron McBroom and Melanie Sikma, talk about why you should stop giving the IRS money they don't deserve. They also discuss how investors can capitalize on depreciation and cost segregation. Byron and Melanie also identify the misconceptions people have about tax planning. The duo's tax strategy is a game changer in your business to let you utilize that extra money to fund your dream. You should not miss this episode and join Byronn McBroom and Melanie Sikma now.

www.assetdefenseteam.com Thriving in the future demands a game plan, and FinCEN reporting is the playbook. Today, our special guest Bob Bluhm will talk about the FinCEN reporting playbook and why it is important to protect your assets. Bob presents "The 2024 Game Plan," a guide to navigating the real estate market, where he provides thorough information on trends, opportunities, and challenges for the upcoming year. He highlights the new FinCEN reporting requirements, guiding listeners through its step-by-step process, and explaining how to protect your assets in compliance with the latest regulations. Bob also touches on asset defense strategies and addresses common questions and concerns from real estate investors. Tune in now and learn to decode the corporate transparency act!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com

Don't miss out on the opportunity to build wealth through real estate in 2024. Instead of being uncertain like others, adopt a multidimensional strategy that transforms current investments into future successes. In this episode, Jason Hartman reveals a top-down real estate investing forecast for the year 2024. Discover how the global mindset and the ambition of 8 billion people contribute to keeping the economy thriving and innovative. Jason discusses the real estate market dynamics and why the common predictions of a crash might be missing the mark. He breaks down the power of mortgage rates, the lock-in effect, and the surprising stability in the current market. Jason introduces the concept of inflation-induced debt destruction, a strategy that uses today's money to reduce future debts. Tune in now and get ready for a long year ahead. Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Even though many people dabble in the world of investing, Chris Miles has chosen to go down the road less traveled. In this episode, he joins Merrill Chandler to discuss his journey from financial advisor to anti-investor. He explains how to get out of real estate, focus less on your credit score, and abandon financial myths many advisors pass on as truth. He discusses how to make the investment grind optional, which is only about acceleration instead of accumulation of money. Chris also shares how he guides people to live their lives now and not tomorrow by adopting a financial approach that delivers actual yield as soon as possible.

They say the only thing that never changes is change itself. And that seems to be the truth and the whole truth when it comes to real estate. To thrive in this industry, you need to learn how to pivot with the times. Joining us in this conversation to show us the way is Eddie Speed. Eddie explains why the surge in rental property investments is now facing challenges, why note investing may be the next big wave to catch, and what strategies you can employ to be able to make informed investment decisions. Tune in to discover the secrets of successful real estate investing and stay ahead of the curve in this ever-evolving market!

You don't have to continue living deal to deal. It is time to end the cycle, step into this episode, and enjoy the advantages of strategic planning. Today, David Richter, the founder and owner of Simple CFO Solutions, discusses how to set us up as a priority to build a quality of life without harming the business along the process. He talks about what drove him to Profit First and get out from doing deal to deal. David explains the value of putting systems in place around money. So, start turning your business into a money-making machine instead of a cash-eating monster by tuning in to this episode with David today!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

There are tools to help you grow financially. In fact, this episode's guest has four of them! Today, we unlock the gates to financial growth with Dan Thompson, the author of The 4 Keys to Building Wealth. He brings us one of those keys, particularly on how to leverage life insurance policies. Opening the windows, Dan gives us a clear view of why a life insurance policy is the most productive way to build wealth and how you can incorporate it into your path toward financial freedom. So, dive right into this conversation and take your wealth into your own hands with Dan Thompson and Merrill Chandler!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Your financial future is shaped by the decisions you make today, and understanding the hidden factors behind lending can be the key to unlocking your financial potential. Join us for an electrifying episode recorded live at FICO World 2023, where we dive deep into the world of credit, lending, and financial optimization. Our special guest, David Smith, Small Business Segment Leader at FICO, discusses financial intelligence and credit scoring, showing how you can change the way you manage your finances forever. He explores the landscape of creditworthiness, revealing how you can become fundable in the eyes of lenders. David also touches on financial secrets on how to secure better terms, qualify for bigger loans, and more. Tune in now to level up your financial game.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

What is the truth about declaring bankruptcy? In today's episode, Merrill Chandler defines bankruptcy and walks you through how, why, and when it happens. It doesn't end there. Merrill also shares how bankruptcies impact your future transactions and what you can do to maintain a positive relationship with your lenders. Get your dose of financial knowledge with tips on debt reparation, negotiation, and more as we dive deep into the topic.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Nowadays, people would often splurge on what item is on trend. It could be the newest phones, gaming consoles, sought after skills trainings, etc. However, due to the lack of funds in their wallet, they cannot purchase some pricey items. Then come special sales and different payment methods, one being the overly-hyped “Buy Now, Pay Later” scheme that attracts people who don't put much thought to what they are getting into. In this episode of The Fundability™ Podcast, host Merrill Chandler talks about how today's Buy Now, Pay Later scheme is getting sketchier and sketchier.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Do you have a credit card that you use for shopping? Are your needs and wants to pile up, and you also want to increase your credit card limit? Listen to your host Merrill Chandler as he explains why certain credit cards will never get a limit increase. You don't just get that quickly because they pull review scores from your previous transactions and purchases. Tune in to learn how mortgages are not loans and what type of investments suit one person.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Credit scores determine the borrowers' access to money from lenders. Low credit does affect your chances of getting lenders to borrow you the money, but having bad credit is not the end. Doing your due diligence and seeking help from accredited credit repair companies will help you build your credit. Today, Flame Newton discusses how you can access money from banks or lenders. Building credit takes time, especially when you have poor scores. Tune in to this episode as Flame shares his credit journey and how he built his credit situation.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

The real estate industry can be sometimes fickle. Making that first deal can be a very daunting task that one needs to overcome to get their drive on. Today, Merrill Chandler interviews real estate investors Jen Conkey and Stacy Conkey about their diverse real estate experiences and strategies to identify deals and make offers. With over a decade-long experience, what's not to learn? Tune in on this latest episode to find out more!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

If you could read the minds of bankers, would you? Fortunately, you don't need to summon psychic abilities for this one. Merrill Chandler sits down with a former Tier 4 banker turned business owner, Brandon Bailey, to share with us what goes on inside of the bank between bankers and underwriters. Brandon reveals some inside information about how you're unknowingly telling banks NOT to fund you. Tune in and earn great tips and tricks on fundability and understand why it's not all about credit scores.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Many would set a goal and wonder, "Hey! I've been setting this goal, and still, why couldn't I make it?" In this episode, Becky Nova, the Founder of Lady Landlords, talks about how she's helping women reach their financial freedom. She shares the strategies she used to optimize her time and explains how Lady Landlords provide help to other women. Tune in to this inspiring episode and discover how a tale of woes turned into a fantastic opportunity!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Your mistakes don't define you. In fact, they are essential for self-discovery and success. They teach you a lot and help you grow. Having seen the bottom and climbed her way back up, Melissa Houston shares how she concealed $100k in personal debt from her husband, and bounced back both personally and financially. Now she is a financial strategist who helps entrepreneurs grow from 6-figure to 7-figure businesses. Stay tuned and learn how you can leverage your mistakes to achieve your financial dreams.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Do you know what a rolling charge-off is? In this episode, Merrill Chandler defines the term and how it can affect your finances, especially your credit profile. Understand how missing a due payment can escalate your financial issues by tuning in. Plus, get practical tips with real world examples from Merrill. Stay tuned!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

What does it take to build a team of pure genius? In this episode, we learn that it's all about achieving harmony from the different skillsets that each person in it has. Merrill couldn't have picked a better person to talk about this. In celebration of Women's History Month, our host brings in his genius mentor who has facilitated the growth of the Fundability movement in many ways. Tracy Hazzard is a podcast launch strategist and CEO of Podetize, the very company that works on every episode of this podcast. In this fun and engaging conversation, Tracy details how she and the rest of the Podetize leadership team are creating a company culture based on the Four Quadrants Model of the Herrmann Brain Dominance Institute. And that's just one of the many topics discussed in this episode. Never miss half a beat as this absolute genius dishes out nugget after nugget of valuable insights on product design, podcasting, leadership, mentorship, and so much more.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Becoming fundable often hinges on a single factor that affects your ability to get a loan. Now, getting funds depends on your secret consumer score. And just what is that? Merrill Chandler delves into consumer scores and how they affect you. He looks at secret consumer scores, how they work, and how you can bring yours up. Tune in and learn how to get fundable with great advice from Merrill.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Manifesting opportunities and success is a big part of progress. Setting your goals is the first part of achieving them. In this episode, Merrill Chandler learns about manifesting your goals with Monick Halm, the Founder of Real Estate Investor Goddesses. Monick shares how she started her path towards success via real estate, her way of manifesting success. Tune and learn more success tales from ordinary people who have found their way to the top.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

As a business owner or a simple professional, you want to minimize cost in any way possible. You also want to accumulate rewards with every expense. That's why credit offers that are way too beautiful would sound great. But, you have to be careful. Not everything is real. How do lenders catfish you into a deceptive relationship? Let's dive into this episode as we discuss the three deceptive practices of credit offers that are designed to manipulate those who are seeking business credit into beginning a relationship based on deceptive or false premises. Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

How can you succeed with your creative and analytic sides as a woman? Merrill Chandler sits with Sarah Sullivan, the CEO of SuGo Capital – a company that offers you financial freedom through real estate investing. Sarah shares her journey going through MBA, circus school, corporate, and real estate. The key to succeeding? Learn to say “yes!” Experiment and try new things. Don't try to follow one path because there are infinite paths! Figure out what gives you joy, wealth, and freedom. Listen to this episode for more inspiration. Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

How important is having insurance? Are you aware of the benefits it could give you and your family? What are universal life policies or indexed universal life policies? In this episode we will give you the knowledge you need to have about it. IUL actually has two facets: cash value and death benefit. Learning more about cash value will give you an edge when it comes to maximizing your insurance policies. You can have an in depth example by tuning in here!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

If your business name is Real Estate Property Resources, LLC, you are immediately not fundable at all. Business names and, more importantly, business codes are very crucial when it comes to fundability. Join Merrill Chandler as he talks about having the right business name for your company. Remember, words drive the business codes. The business codes drive the fundability or lack of fundability. Listen in so that you may find success!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

It's that time to forecast another fundable year this 2022. Everyone talks about their 'why' as motivation, but what about their Z? What is the endgame? How do you know you've succeeded? In this episode, Merrill Chandler shares his Z300 method to help you stay on track with your goals both in finances and in life. Getting fundable isn't just about closing the next deal. It's about building the life that you want to live and becoming the person you want to be. See how this method works for you and get ready to conquer the coming year.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

The aftereffects of COVID on the economy are still lingering and will stay for who knows how long. What is the value of fundability at a time like this? Merrill Chandler is here to break down what's really going in the economy. Is it inflation? Or is it just a scarcity of resources that result to higher prices? He also discusses how you can take advantage and why now is the best time to get fundable. Stay tuned!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

If you're not a savvy, educated or strategic borrower, watch out. The slew of credit products disguised to not even look like credit products are unbelievable. On today's show, Merrill Chandler does a deep dive into these consumer trends and shares some ways on how to fix them. It pays to be better informed than to get the rug pulled out from underneath us. Tune in to avoid these credit traps and escape from more financial harm.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

There are three major credit card benefits: cashback, air miles, and points. What if you were to discover neat credit card travel hacks? Merrill Chandler's guest in this episode is Owen Beiny, the Founder of The Points Partner. Owen's objective is to help anyone in America fly for free using points and miles. The first step to achieving that goal is to teach you how to be effective in using your credit card points. There's no point collecting credit card points if you don't know how to use them! If you want to know how to travel the world for free just by using your credit card points, you'll want to listen to this episode. Tune in!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Do you know there's a hidden cost of doing business? In this solo episode, Host Merrill Chandler gives entrepreneurs a heads-up on merchant fees you have to watch out for when using credit cards as payment gateways. The sales reps, MasterCard, American Express, credit card issuer and all the other people involved charge fees you may not be aware of. Just setting up the payment gateway results in setup fees. If you want to know what happens behind the scenes and what you can do to save money, you need to listen to this episode.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

We all want to achieve a fulfilling life with meaning and purpose. However, we tend to talk ourselves out of it and self-sabotage. What can we do to make progress in our lives? Join our host Merrill Chandler as he talks about staying committed to our goals while still being gentle with ourselves in the process. He dives deep into discipline, habits, setting attainable goals, and the importance of staying true to our words. We will learn how to take our wins and avoid self-sabotage to achieve our ultimate desires and continuous self-improvement. So don't miss out by tuning in!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Want to learn more about home equity lines of credit? You've come to the right place! In this episode of Get Fundable, Merrill Chandler explains what HELOC is and reveals just how it impacts your fundability. He breaks it down the concept and the rules you need to follow to make the most of your HELOC. Merrill also shares what makes it better versus other credit lines. Tune in to learn how you can create more wealth with inexpensive money through your home equity!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Debt consolidation is scary and deceptive if you don't know what you're doing. Do not get into something that you know nothing about. That is how they get you. They will trash your credit profile before you know it. Join your host Merrill Chandler as he discusses the dangers of getting in touch with debt consolidators. Learn how they use a homegrown chapter 13 bankruptcy tactic to get you to think you're paying less than you should. Learn how to protect your credit profile today.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

We all want to live life to the fullest and experience the joys of everything from our financial freedom to family life to friends and everything in between. So how do we create a life we have always dreamed of and become better versions of ourselves? In this episode, Merrill Chandler provides analogies to help you think about how you could expand your heart and soul while having your cash flow too. We have limitless power, but how do we capture this energy we need to navigate throughout our lives? Tune into this as you dive deep into how you could bring in vast quantities of cash. Make your heart bigger, expand your wattage, and live a meaningful life. Listen to this episode to gain perspective and shine brighter in different aspects of your life.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

You need to get the mindset that being part of the 1% is unachievable, out of your head. That 1% is not people; it's strategies and borrowing behaviors. How can you increase that 1% to 2% or even 10%? It's possible with the right behaviors. Money is unlimited, anyone can become a millionaire and be a part of that 1%. All you need to understand are the behaviors and strategies. Join in today's episode with your host Merrill Chandler on three Borrower Behaviors that you can use today.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

We are seeing a surge in new credit card trends across the US. These trends are interesting ways at getting fundable, and it's time we took a look at them. In this episode, Merrill Chandler looks at these 5 new trends and gives a quick analysis of each. We find out what sectors are most affected by these changes and how they impact your fundability. Tune in for more information on getting fundable right here.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Today, Merrill Chandler goes back to the basics and teaches us how to leverage other people's money to reach our goals. Learn why building a relationship of trust is important for OPM and money lending. Discover the different forms of OPM and know how to build a reputation so that you can get a high score from lenders. Tune in and learn all you need to know about managing other people's money.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

As neo banks continue to dominate the industry, mainly because of the pandemic, digital banking interactions have become commonplace. This begs the question: do cryptocurrency and fundability go well together? Merrill Chandler breaks down how to maximize this digital currency as more and more banks embrace online interactions. He also explains how this impacts your relationship with lenders and how cryptocurrency could play a role when getting a loan.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

The government is finally adopting fundability principles! President Biden is looking to update the economic investment act and touch the rules of fundability. This will encourage lenders to put more money by lending to credit invisibles. Join your host Merrill Chandler and learn why this is good for the economy. By doing this, more people will be able to borrow money from lenders. This will give more people dreams and aspirations, and that is all people need to drive the economy. Tune in and learn more!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

The pandemic has changed a lot in the world—the banking system is one as people transition to going online instead of going to bank branches. How do banks reward borrowers and depositors for positive borrower behaviors? Merrill Chandler explores going digital to make everything easier, faster, and better with the personalized banking experience. He also shares how banks are creating new landmines that could destroy your fundability. Let us dive deep into the digital relationship-building strategies of banks and ways we could protect our cash flow and fundability.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Are big banking shifts about to come to Wells Fargo? Is their abandoning borrowers a taste of things to come? In this episode, Merrill Chandler analyzes Wells Fargo's decision to end their line of personal credit instruments. He also takes a look at a few other things that may change in their policies. Learn what you can do to recover from this development. Tune in to find out more.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Spam and junk mail are a serious concern. Many of these also pose a security risk and can endanger your chances at becoming fundable. In this episode, Merrill Chandler talks about junk mail and how to get rid of them. Merrill presents several examples of junk mail and describes the scams that are often connected to them. A great episode to catch if you're concerned for your information security.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

ITINs, CPNs, and SSNs may look incomprehensible, but they form a unique look at your fundability. In this episode, Merrill Chandler digs deep into these identification numbers and gives us the lowdown on what they mean. We look at SSNs and analyze the meaning of these numbers. Merrill gives us the score on CPNs and talks about why these are fraudulent numbers that you should avoid at all cost. We also take a peek at ITINs and why these are important fundability tools for foreign people in the US. Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Did you know that Amazon, Apple, and Venmo destroy your personal fundability via “credit cards?” With low fundability, you'll find it difficult to get capital for your real estate projects. Today, Merrill Chandler exposes how these big retailers hide the specifics in fine print. To avoid stepping on funding landmines, you need to know the rules of the game. Where to start? Tune in to this episode. Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

People often get trapped into recurrent payments for credit monitoring services. But how is that actually helping and serving them? Merrill Chandler debunks some perceptions surrounding credit monitoring services. He explains when and how you should be acquiring these services to most benefit you and your finances. Most importantly, he shares where you should find the truth you trust, which is vital for keeping track of your credit scores and finances.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Isn't it time to move past the term “consumer”? In fact, maybe it's time to elevate yourself and become the perfect borrower? In this episode, our host Merrill Chandler tackles the term “consumer” and proposes that we elevate ourselves and become borrowers. And not just borrowers, but perfect borrowers. Merrill fleshes out why the borrower is important to the financial cycle and talks about why you need to be a borrower and not a consumer. This episode is a perfect starting point for financial literacy. Join in! Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Advertising is deceptive and marketers are ruining your credit if you don't know the truth behind how credit works. In this episode, Merrill Chandler discusses how you should never respond to credit card offers unless they're tier-one, tier-two, and tier-three types of credit cards. We don't want finance company rates. In fact, if it has the word finance or financial in it, it's automatically a no-go. Get empowered with information so you can make good decisions. Tune in so you won't be fooled!Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

You will be twice as happy doing what you love. But sometimes, you just have to put your passions on hold because it could be holding you back. Then once you earn enough money doing something like real estate, you can go back to your passion or dream job. That is the story of Whitney Sewell, the Founder of Life Bridge Capital and the Life Bridge Foundation. Whitney is living his dream because of his focus on relationship building in real estate. Walkthrough the life of Whitney with your host, Merrill Chandler – from his life in the military to horses, syndication, and adoption. Also, find out how the Life Bridge Foundation connects to his business in syndication.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/

Are you aware of credit myths that people continue to believe in? These myths have been passed along, some for generations, and they can cause big trouble to anyone who owns a credit card. As a preview of his new series, where he plans to take on all credit card misinterpretations, Merrill Chandler debunks five common credit myths you need to know to change your funding game. Merrill highlights five myths and why each of these is misinformation and can do more harm than good. From high credit scores to a good source of credit, discover these common myths to help you level up your fundability game.Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com/