When you are building a business, you need capital! Whether starting out or scaling up, you need that cash! And sometimes you may need to grow a little quicker than you’re financially ready for. That’s where business credit comes in. But do we really need to be multimillionaires to be eligible for business funding?   In this episode, business coach and funding finance educator Irvin Pena, debunks some of the common misconceptions around funding and financing for small businesses. Making it as simple as possible, tune in as IrvOfficial shares his secrets to cleaning up your credit, personal guarantees, and building business credit.    It wouldn’t be Rich in Real Life though if we didn’t also discuss the work-life balance! So lean in and learn why Irvin doesn’t believe in balance and how growing as a person and a business owner go hand in hand.   WANT TO RESERVE YOUR SEAT AT INNOVATIVE INCOME 2023? Join us at: innovativeincomesummit.com   KEY POINTS: - Business credit vs personal credit - Why you need a business credit card - How can we clean up our personal credit? - Irvin’s first step to building a successful business - Managing business, marriage, and kids   QUOTABLES: “A lot of business owners have a misconception and an unhealthy relationship with what business credit is.” “I challenge you to be okay with not knowing who you are because no one knows who you are. And that's where you're allowed to screw up along the way.”   GUEST RESOURCES: Irvin Peña insightinnercircle.com IG | instagram.com/irv.official   PRODUCTS / RESOURCES: Love what you’re hearing? Follow Jessica Hurley on social media and share the love! IG | @jessicahurley__ - instagram.com/jessicahurley__ Gain access to more of Jessica’s resources here: linktr.ee/jessicahurley__         Rich in Real Life is edited by Instapodcasts (visit at instapodcasts.com)