Fund Your Business, Fund Your Life – Here’s How 🚀
Welcome to The Leverage Letter – your weekly guide to unlocking business funding, optimizing credit, and traveling for free using points.
If you’re looking to secure $150K+ in funding, scale your business, and maximize your financial leverage, your credit profile needs to be in peak condition.
Most people think improving credit is complicated. The truth?
Small changes = Big approvals.
Credit optimization = More funding opportunities.
The right strategy = Business growth without personal risk.
Here’s how to build & optimize your credit profile step by step:
1️⃣ Build a Strong Personal Credit Foundation
Your personal credit is the key that unlocks business funding. Before applying for high-limit business credit cards, ensure your personal credit is solid.
720+ Credit Score – Banks approve high scores faster.
Low Utilization (<10%) – Keep balances low to signal financial responsibility.
On-time Payments – No late payments, ever. One late mark can cost you 50+ points.
Authorized User Hack – If your score is low, get added to a high-limit, long-history credit card to boost your profile fast.
Pro Tip: Use Experian Boost to instantly increase your score by adding recurring payments like Netflix or utility bills.
2️⃣ Increase Your Credit Limits (The Right Way)
A higher credit limit means more borrowing power. Increasing your limits improves your score and gives you access to bigger business funding opportunities.
Request Credit Line Increases – Every 3-6 months, call your banks and ask for a higher limit.
Apply for New Cards Strategically – More available credit lowers utilization.
Avoid Hard Inquiries – Too many applications in a short period can hurt your score.
Spread Out Applications – Apply for new cards every 6 months for maximum approvals.
Credit Limit Hack: Before requesting a limit increase, put high spend on the card for 2 months, then pay it off in full. Banks reward high spenders with higher limits.
3️⃣ Structure Your Credit Profile for Maximum Funding
The structure of your credit report matters. Lenders look at more than just your score.
Mix of Credit Accounts – Have a mix of credit cards, installment loans, and revolving accounts.
Age of Credit – The older your accounts, the better. Keep old credit cards open, even if you don’t use them.
No Negative Marks – Remove collections, charge-offs, and late payments to keep your profile clean. Dispute Inaccuracies – Check your credit report (Experian, Equifax, TransUnion) and dispute any errors.
Pro Tip: Use my “Credit Sweep” method to remove negative items fast.
4️⃣ Apply for High-Limit Business Credit Cards
Once your personal credit is optimized, it’s time to access business credit—without affecting your personal score.
Best Business Credit Cards for Maximum Funding:
Chase Ink Business Preferred – High limits & flexible points
Amex Business Platinum – Elite travel perks & big rewards
Capital One Spark Cash Plus – Easy approvals + cash back
Why this matters: $50K+ limits (even as a new business)
80K+ point sign-up bonuses (worth free flights)
0% APR for 12-18 months (interest-free capital)
Bonus Hack: If you get denied, call the bank’s reconsideration line and negotiate an approval.
Travel Redemption of the Week: Business Class to Singapore for 90% Off
San Francisco (SFO) → Singapore (SIN)
🔹 Singapore Airlines Business – 87,500 miles + $60
Cash Price: $3,000+, You pay only miles + $60 in fees!
Award Rate: SFO - SIN
Cash Rate: SFO - SIN
The Leverage: Save $3,000+ on a premium cabin
Enjoy lie-flat seats, lounge access & luxury service
Book smart: Points > Cash
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Take Action & Secure Maximum Funding Today
Check your credit score (Goal: 720+).
Request a credit limit increase this week.
Apply for a business credit card if you qualify.
Want my full roadmap to business funding & free travel?
Reply “LEVERAGE,” and I’ll send you my proven playbook.
See you next week,
Ade O.
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