Small Business Credit Minute

About Small Business Credit Minute

Welcome to Small Business Credit Minute w/ S.E. Day™—the podcast built for business owners who are tired of confusing advice and preventable denials. In minutes, you’ll learn how lenders actually evaluate you—and how to align the three pillars that decide approvals: business credit, cash flow, and compliance. I’ll break down underwriting signals in plain English, show you what’s hurting your fundability, and give you one clear action you can take immediately. If you want to become lender-ready, stop wasting applications, and build bankable strength the right way—this is your credit minute. Qualify first. Apply second. Let’s get you funded. Become a supporter of this podcast: https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support (https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support?utm_source=rss&utm_medium=rss&utm_campaign=rss).

Publisher

S.E. Day

Category

business · business · education

Language

en

Explicit

No

First episode

27 Apr 2025

Latest episode

19 Oct 2026

Latest episodes

78 episodes in the feed.

1. 

   19 Oct 2026

   Compliance Before Capital__Fix the Legal Gaps that can Derail Funding

   Show notes Your funding file should clearly show which company is borrowing, who owns it, and who can sign. S.E. Day interviews transactional attorney Cora Whitney of Malek + Malek Attorneys (www.malekattorneys.com/team/cora-whitney/) about the legal preparation behind those answers.The conversation explores entity mismatches, informal ownership changes, partnership agreements, and the relationship between legal records, financial reporting, and business banking. It also addresses reviewing contracts, liens, guarantees, and insurance before a financing transaction. Before you apply for business funding, review the legal records supporting the application. S.E. Day and Cora Whitney discuss company identity, ownership documentation, partner agreements, borrowing authority, and obligations that deserve review before financing. Use this episode to prepare for a conversation with your own attorney and lender. Free Business Credit Starter Kit: FSBOnly.com. Academy information: fsboacademy.org. Listeners will learn how to assemble a legal readiness file and approach corrections responsibly. Start by comparing your business identity, ownership records, and signing authority with the information in your application. Keywords: small business compliance, lender readiness, business ownership records, LLC operating agreement, business funding documents, borrowing authority, partnership agreements, Cora Whitney, S.E. Day. Become a supporter of this podcast: https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support (https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support?utm_source=rss&utm_medium=rss&utm_campaign=rss). Qualify First. Apply Second. Remember, Your Dreams Deserve A Chance To Grow, Just Like Your Business!

2. 

   5 Oct 2026

   Reconsideration Calls That Actually Work - A Script and A Strategy

   Episode title: Reconsideration Calls That Actually Work — A Script and Strategy Show notes: A business credit denial can leave you wondering what to say next. In this episode, S.E. Day explains how to prepare a reconsideration conversation from a bank underwriter’s angle.You’ll hear how to identify the actual reasons for a denial, separate factual corrections from financial weaknesses and product mismatches, and organize supporting evidence. A practice conversation uses hypothetical repayment numbers to show why a documented debt payoff can matter—and why it does not guarantee approval. Use the word-for-word call script to confirm the review process, address the stated concerns, ask about any new application or credit inquiry, and establish a follow-up date. The Fundability Fix gives you four questions to turn a denial into a concrete preparation plan.Your next step: identify one material correction or change, locate the supporting document, and practice explaining how it addresses the decision before making your call. The call script  |  Spoken script ‘Hello. My name is [name], and I’m the [title] of [legal business name]. I’m calling about application [reference] for [product and amount]. I received a denial dated [date]. Does your institution allow reconsideration of this application, and are you the right person to explain that process?’ Pause. Then continue.‘The notice identifies [specific reason] and [additional reason]. I’d like to confirm that I understand those concerns before sending information. Is there another unresolved issue that would prevent approval even if these items are addressed?’Listen carefully. Then explain the material change.‘The information I’m asking you to review is [correction or documented change]. The supporting document is [document and date]. This matters to the decision because [brief connection to the stated concern]. I can submit the evidence through your approved channel.’Here is the next question.‘Can that information be reviewed under the existing application? Would that inquiry be hard or soft, and whose credit report would be accessed?’Do not assume that asking for review avoids another inquiry. Get the process clear before authorizing additional steps.Now, if a revised request is appropriate, say: ‘If the original amount does not fit the current repayment capacity, is there a smaller amount or another structure your team can evaluate? I understand that any revised request must still meet your underwriting requirements.’Close with this: ‘What specific documents do you need, where should I submit them, and by what date? Who will handle the review, and when should I expect an update? May I have a reference number for this conversation?’That is the core call. Download the free Business Credit Starter Kit: https://www.FSBOnly.com Learn about FSBO Academy Inc. and the 90-Day Lender-Readiness Cohort™: https://fsboacademy.org Listen to the show: http://bit.ly/44jOSFk BusinessCredit #SmallBusinessFunding #LenderReadiness #SandyDay ##SmallBusinessCreditMinute #LoanDenail #LoanApproval #LoanReconsideration Become a supporter of this podcast: https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support (https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support?utm_source=rss&utm_medium=rss&utm_campaign=rss). Qualify First. Apply Second. Remember, Your Dreams Deserve A Chance To Grow, Just Like Your Business!

3. 

   28 Sept 2026

   Business Credit Disputes: What You Can Correct and How to Do It Right

   SHOW NOTES Business Credit Disputes: What You Can Correct and How to Do It Right Finding incorrect information on your business credit report doesn’t mean you should start firing off generic dispute letters. In this episode, S.E. Day explains the difference between a legitimate commercial credit dispute and an attempt to remove accurate negative information. You’ll learn how to audit business identity information, payment experiences, balances, accounts and other commercial credit data; how to document a legitimate discrepancy; why you should investigate the underlying data furnisher; and why business credit disputes should not automatically be treated like consumer disputes under the Fair Credit Reporting Act. Key Takeaways Business and consumer credit reporting operate under different legal frameworks. Negative information isn’t necessarily inaccurate information. Business identity and firmographic errors can matter alongside payment data. A strong dispute identifies the exact error, requested correction and supporting evidence. Generic “dispute everything” tactics are not a lender-readiness strategy. Business owners should audit commercial credit information before applying for financing. Your objective is an accurate, verifiable commercial credit profile—not artificial deletion of legitimate information. Fundability Fix: Create a three-column audit: Reported | Correct | Evidence. Free Business Credit Starter Kit: FSBOnly.com (http://fsbonly.com/) Lender-Readiness Principle: Qualify First. Apply Second. Become a supporter of this podcast: https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support (https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support?utm_source=rss&utm_medium=rss&utm_campaign=rss). Qualify First. Apply Second. Remember, Your Dreams Deserve A Chance To Grow, Just Like Your Business!

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Spotify

5.0 / 5

2 ratings

Podcast Authority Score: 20 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

40

Social presence

0

YouTube

0

Engagement

0

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