ITV #269: How to Get $100K in Business Funding with a 600 Credit Score | Inside The Vault

What if a 600 credit score doesn’t automatically disqualify you from getting serious business funding? Brandon Jackson and Tevin Facey of Millionaire Essentials join Ash Cash inside the vault to break down how entrepreneurs can use credit, business funding and leverage to access capital—and more importantly, what to do with the money once you get it.

They explain why your credit score is only one piece of the funding equation, how CDFIs may provide opportunities for borrowers who don’t fit traditional bank standards, and why a strong business plan can matter just as much as the number on your credit report. The conversation goes much deeper than getting approved.

Brandon and Tevin explain how entrepreneurs can use 0% business credit cards, lines of credit and other forms of capital to grow businesses, invest in real estate and create cash flow without falling into the trap of using debt to pay debt. They also share a client example in which they say $200,000 in funding was used to purchase and flip real estate, resulting in more than $500,000 in returns.

In this episode: • How a 600 credit score may still qualify for certain funding opportunities • What CDFIs are and how they work • Why a 750 credit score doesn’t guarantee approval • What lenders actually look for beyond your score • Business credit cards vs. lines of credit vs. loans • How 0% introductory business credit can be used strategically • Why you should never use debt just to pay other debt • How credit utilization affects your funding profile • Why a business plan matters before you borrow money • How to research banks before applying • Using business funding for real estate and group homes • Why mentorship and relationships can accelerate your business • How Millionaire Essentials built a seven-figure business through partnership and community • The difference between access to capital and actually building wealth Funding approvals, credit limits, interest rates and lending requirements vary by lender, borrower and business. The strategies and results discussed are the guests’ reported experiences and examples and are not guaranteed.

This episode is for educational purposes only. Connect with Millionaire Essentials: Instagram / Facebook / YouTube: ⁨@MillionaireEssentials⁩ Tevin: @tevinfacey Brandon: @brandontheprovider Inside the Vault: @insidethevault Host: @iamashcash ABUNDANCE IS YOUR BIRTHRIGHT.

Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life: TIMESTAMPS 00:00 – Business funding is leverage 00:58 – Ash Cash book CTA 01:59 – Welcome to Inside the Vault 03:12 – Meet Brandon & Tevin of Millionaire Essentials 06:10 – The missing piece: having a real business plan 07:26 – The biggest mistake people make with funding 08:34 – Why personal credit still matters 10:04 – Stop thinking small about your business 12:43 – Business credit cards, lines of credit & loans 13:33 – Why they recommend 0% business credit first 15:48 – Good debt vs. bad debt 16:11 – The danger of overleveraging 18:16 – How to become more fundable 20:31 – Credit utilization explained 21:54 – What banks look for when you want $100K 23:07 – How to research the right banks 27:19 – Why mentorship speeds up the process 28:58 – Can you get funding with a 600 credit score? 29:27 – CDFIs explained 30:28 – How a business plan could support a $100K request 32:06 – Why a 750 score still may not be enough 33:15 – The truth about “$100K with no docs” marketing 35:30 – Group homes using business funding 36:02 – $200K in funding turned into $500K+ in real estate 37:00 – Why they entered the group home space 39:23 – Helping Lynette Jones reach an 800+ credit score 41:15 – Turning group homes into sellable businesses 43:13 – Why mentorship should never stop 44:36 – Millionaire Mastery Club 46:19 – How to market and scale your business 47:40 – Why community matters more than information 49:48 – How one relationship became a seven-figure business 50:04 – Their business funding “hack” 53:00 – Using CDFIs for land and development 54:16 – The mindset you need before taking business funding 55:59 – Connect with Brandon & Tevin 56:43 – How to vet a business mentor 58:05 – 7-day access to their community 59:07 – Closing the Vault & Abundance Community Advertising Inquiries: Privacy & Opt-Out: