Messy Books Kill Profit and Scalability (Fix Your Numbers Before They Cost You) Messy Books Kill Profit and Scale—Fix Your Numbers Before They Cost You Get my free Business Credit Starter Kit at https://fsbonly.com Get your FREE offer from Kristen at www.LessMathMoreMoney.com Checkout BCC Supplies at www.BCCSupplies.com and get your 1st 30 days free with code: SEDAY. Start building your Net-30 account with a company I highly recommend. In this episode of Small Business Credit Minute w/ S.E. Day™, S.E. Day sits down with Kristen Graham of Six Figure Business Coaching to break down why bookkeeping is one of the most overlooked drivers of profit, owner pay consistency, and business scale. This conversation is built for entrepreneurs who are making money but still feel uncertain about what their numbers are really saying. Kristen explains the most common bookkeeping mistakes, why business owners avoid their financials, the difference between bookkeeping and accounting, and how cleaner books create better decisions. You’ll learn: - The biggest bookkeeping mistake small business owners make - Why avoiding your financials costs you profit - The difference between bookkeeping and accounting - Why bookkeeping matters from day one - How clean books help you increase profitability - How better bookkeeping supports more consistent owner pay - Why messy numbers make scaling risky - How often to review your financials - The habits that build financial confidence - The one metric every entrepreneur should track weekly Key takeaway Bookkeeping is not just about compliance or tax prep. It is a leadership system that helps you protect cash, improve margins, and make smarter growth decisions. Keywords small business bookkeeping, bookkeeping for entrepreneurs, profitability for small business, business financial habits, bookkeeping vs accounting, how to pay yourself as a business owner, financial confidence for entrepreneurs, scale a business with clean books, cash flow visibility, weekly financial metrics

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Your LLC Won't Protect You: Why Lenders Demand a Personal Guarantee (And How to Remove it) Your LLC Won’t Protect You: Why Lenders Demand a PG (and How to Remove It) https://fsbonly.com/ Episode Summary: If you formed an LLC thinking it would protect your personal assets from business debt, here’s the truth: lenders can bypass that protection by requiring a personal guarantee (PG)—and they do it when the business file doesn’t prove strong, predictable repayment on its own. In this episode of Small Business Credit Minute w/ S.E. Day™, you’ll learn what underwriting is really looking for, the specific risk signals that trigger a PG, and the practical path to No-PG, limited PG, or PG burn-off by upgrading cash flow, compliance, and documentation. What You’ll Learn: - Why an LLC doesn’t stop a lender from requiring personal recourse - The underwriting “repayment stack” that determines PG vs No-PG - When lenders use collateral liens and PGs together - The realistic negotiation targets: limited PG, springing PG, and burn-off terms - The fastest file upgrades to reduce personal exposure Fast Takeaways - No-PG isn’t a request—it’s an underwriting outcome. - Lenders demand PGs when business cash flow, collateral, or documentation is weak. - The fastest path away from PG is predictable financial reporting + liquidity + KYB cleanliness. Fundability Fix (Do This Today) Reconcile your last 90 days of bank statements to your P&L. If your numbers don’t match your bank activity, underwriting will treat your file as higher risk—and your PG becomes the shortcut. Source (high-stakes rule reference) - SBA guidance: individuals owning 20% or more must provide an unlimited personal guaranty (SBA Form 148 page header).

📣 New Podcast! "Your LLC Won't Protect You: Why Lenders Demand a Personal Guarantee (And How to Remove it)" on @Spreaker #businesscredit #businesscreditcards #businessloans #lending #llc #personalguarantee #sandyday #seday

Will Your Business Spend Smarter and Borrow Better in 2026? I am providing you with a 2026 financial forecast built specifically for small business owners in the U.S. and providing four things that decide whether you grow or stall this year. If you want to become lender-ready, stop wasting applications, and build bankable strengths the right way! Qualify First. Apply Second. Let's get you funded!

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The Sandy Day |

I am pleased to announce the launch of my personal website, TheSandyDay.com. It provides a window into ‘Who is Sandy Day’ and what I can provide for your company, your events, your life as a business owner. Please check it out and share! Thanks #businesscredit #sandyday #financialliteracy

S.E. Day shares his personal business credit story from struggling with personal credit cards and loans to mastering the business credit maze. #BusinessCredit #SEDay #SandyDay #SmallBusinessCreditMinute #FSBO #ForSmallBusinessOnly #BusinessFunding #Funding #LLC

What the One Big Beautiful Bill means for Small Business Taxes? As we wrap 2025, the recently passed One Big Beautiful Bill has some serious implications for the small business community. Join me as I have a conversation with Ms. Tanika Washington of https://www.ayannafinancials.com. Ms. Washington is one of the sharpest small business tax strategists in the country. She breaks down the Pros and Cons of the OBBB.

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Are you legally complaint with AI usage and the products you produce? Using Artificial Intelligence or AI in your business without legal advice can cost you everything if used incorrectly. Listen in and learn from Attorney Michael McCready of the https://mccreadylaw.com based in Chicago, Illinois on how to stay complaint with current and changing AI policies.

📣 New Podcast! "Are you legally complaint with AI usage and the products you produce?" on @Spreaker #business #businesscredit #businesscrediteducation #businesscreditpodcast #financialliteracypodcast #michaelmccready #s_e_day #sandyday #smallbusinesscredit #smallbusinesscreditminute

Are you AI integrated? If not, why? Are you AI integrated? If not, why? This episode explores practical AI integration strategies with Maia Tucker, an AI Integrations Specialist and Legal Analyst. Maia (@financiallyuchicwomen) breaks down how small businesses can streamline operations, reduce costs, and scale intelligently using today’s most effective AI tools. A clear, actionable conversation designed to help entrepreneurs modernize and compete.

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Why every business needs a professionally designed website? Today’s topic hits every business owner squarely in the middle of their growth goals — the importance of having a professionally designed website. Whether you’re selling products, offering services, or building your brand credibility, your website is your digital storefront. Listen in as J. Jaffri of DesignHub360 explains why having a functional and professional built website can increase your business foot print.

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Are You Effectively Using Data Analytics and SEO to Grow Your Business? Are You Effectively Using Data Analytics and SEO to Grow Your Business? Join me as I interview Claudius Taylor, CEO of Gambix, "AI that tuned your website traffic into paying customers." We explore to topics of effecting using data analytics and search engine optimization to grow your business. 

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The Adventures of Finance & Literacy ( A children book series). Get your copy today at fsbonly.com/product/the-... #AdventuresofFinance&Literacy #SandyDay #YerlisQuintanilla

Business Accelerators: Are they worth it for Small Business Owners Seeking Investors? IIn this episode of the Small Business Credit Minute, we tackle a powerful and critical question: Are Business Accelerators really effective for small business owners seeking investors? I talk with Rosemarie Truman, Executive Director of the Center for Advancing Innovation Inc, about and she shares her insights on the topic.

📣 New Podcast! "Business Accelerators: Are they worth it for Small Business Owners Seeking Investors?" on @Spreaker #buildbusinesscredit #businesscreditbootcamp #businesscrediteducation #establsihbusinesscredit #rosemarietruman #sandyday #smallbusinesscredit #smallbusinesscreditminute