What’s up, Team! We just dropped a new breakdown of why the "Safe" SBA loan is actually a strategic trap. If you ever needed a visual reminder of why we use 0% Stacking and Term Loans instead of begging banks for permission, watch this. The takeaways: 1. The Amateur pays with their time (6 months). 2. The Operator pays with execution (48 hours). 3. The "Safe" Rate isn't safe (42.3% spikes happen). We are building this exact toolkit in the Challenge this week. Question for the group: How many of you have wasted time on an SBA application before? Drop a "💀" in the comments if you've survived the Death March. Let's get to work. https://www.myfundingmachine.com/post/the-sba-death-march-why-you-ll-be-bankrupt-before-you-get-your-guaranteed-loan

A lot of you know me as the "funding guy," but most of you don't know the full story of why I'm so obsessed with this mission. Back in 2008, I wasn't just watching the financial crisis on TV. I was living it. My family and I had a front-row seat to the carnage. We didn't just see others lose everything—we lost properties, investments, and ended up in foreclosure and bankruptcy. That experience burned a lesson into my soul: the traditional financial system is rigged against the little guy. I decided it was time to write down the full story - not just my own, but the story of how the entire money pipe for the American Dream got clogged, and why that crisis created the single biggest business opportunity of our lifetime for people like us. I just published it on our blog this week. It's the foundation for everything we do in this group. Read it here: After you read it, I want to hear from you in the comments: Have you ever felt like the traditional financial system was working against you?

I finished all the classes including the Bonus one. It's heavy, but necessary. I started my Real Estate Business in 2007. I've had many lows, some highs. Went through divorce where my ex put lien on my home that I added him to, he didn't pay the loan, and I lost my home that I had paid down from 30 years to 20 and was my kid's inheritance. It valued at 429K, and he took out a 389K loan didn't pay it. using my house as collateral all during the time I was fighting for my life, deathly ill. Leaving my kids in the house 5 months, with no money. I see that home now, valued at 989k. They survived by using my credit cards and my bank account checking and loans. I went from middle upper class to broker than a convict. I've been trying to pull myself out of that Grand Canyon hole I made when I hit bottom. I almost gave up. But my stubbornness to preserver negated that decision. Just as I refused to die, I also refused my business to die. It was and is the essence of who I am. I genuinely care for all but more for those homeless, misfortunates. I always gave them food and clothing sometimes money. I always say, this could be me, so I would never turn my back on helping I didn't know 12 years after leaving the police department, I would be where they are. HOMELESS!! MY KIDS WITHOUT A HOME. MY LATE SISTER'S KIDS WHO I WAS CARING FOR, WITHOUT A HOME. I FELT I HAD LET MY FAMILY DOWN, ESPECIALLY MY KIDS FOR I ALWAYS SAID, IF ANYTHING EVER HAPPENED TO ME, THEY WOULD HAVE A ROOF OVER THEIR HEADS. WELL, I DIDN'T KNOW THAT ONE DAY, THAT WOULD PROVE A LIE. LIVING IN A HOTEL OVER 2 YEARS COST MORE THAN A MORTGAGE BUT WITH HIM RUINING MY CREDIT, I HAD NO CHOICE. WE HAD A ROOF OVER OUR HEAD IN A ONE ROOM HOTEL WHERE FOUR OF US LIVED. 2 TO ONE BED, ONE BATH, AND ORDER OUT ALMOST 3 MEALS A DAY. THEN MY FUNDS RAN OUT. I GOT SICK AGAIN GIVEN 2 DAYS TO LIVE. BUT STILL I REFUSED TO GIVE UP. THIS WAS 2015. I LIVE! AND AS HARD AS I FOUGHT FOR MY LIFE, I SHALL FIGHT AS HARD FOR MY BUSINESSES FOR THEY ARE MY LIFE AND MY KIDS. THEY ARE MY BABIES THAT GOT A ROUGH START, BUT AS A NURTURER, MY BUSINESESS I SHALL NURTURE BACK TO HEALTH BETTER TAN BEFORE SO GREAT EVEN I CAN'T FATHOM! STUBBORNESS AND DETERMINATION BROUGHT ME TO THIS PLATFORM.

Hi! I'm Johanna, I represent private lenders and family offices that can lend $30M-$100M+ (up to $1B+), focusing on assets such as hotels, resorts, multifamily, RV parks, and commercial properties. We lend primarily in USA. My role is to connect qualified projects with the right capital sources and help structure deals that meet both investor and developer objectives. If you have a project that requires financing, with pleasure to connect and build connections through this community!

Team, As you're prepping for the week, I want you to ask yourselves a serious question. How much "employee brain" malware is still running in your head? We're all infected with it. It's the "gospel" we were taught by our parents, our teachers, and those gurus on the radio. It's the doctrine that tells us to play it safe, to "manage" our 401(k)s, and that the ultimate prize is a "debt-free" house. That is the Consumer's American Dream. It's a dream of consumption. We are not consumers. We are builders. We are capitalists. We are Funding CEOs. Our dream is one of creation. The consumer brain fears debt. It sees a 20% APR and panics. The builder brain uses debt. It sees a 15x ROL (Return on Loan) and builds an empire. I just put the finishing touches on a new article that I consider essential reading for this community. It's a deep-dive on how to purge that old "good vs. bad debt" lie and replace it with the single most powerful metric for entrepreneurs: ROL. https://www.myfundingmachine.com/post/why-good-debt-vs-bad-debt-is-a-stupid-argument This is the mindset shift that separates 6-figure side hustles from 7-figure empires. My challenge to you this week: Read this. Find one "consumer" thought you're still holding onto and replace it with a "builder" calculation. Let me know your take in the comments below!