How Entrepreneurs Get $167K In 0% Interest Funding

Hinzugefügt: 2026-06-03

[00:00:00]As soon as I got my first approval for like >> [laughter] >> That thing said 15,000. I said 0% interest. I said, "Oh yeah, this is it."

[00:00:07]I got 167,000 in 47 days, right?

[00:00:10]>> Damn. You You was scoring crazy.

[00:00:12]>> Yeah, you could be dead broke today. 30 days from now, you go get 100 bands, even 50 for most people, your whole life is totally different. Your whole life.

[00:00:21]>> in the bank, they work for you. You can't go in there all timid and [ __ ] scared to ask a a god damn question. You ask the right question, it could potentially change your life.

[00:00:28]>> How to get two auto loans and a $20,000 from DCU? Who the hell not going to watch that video? They gave me another 50,000. I went back, I got my Mercedes Benz. So, I'm like, "What about a credit card?" They gave me a credit card, they gave me a $20,000 limit. Most people think it's credit score, but it's actually your profile. Your profile tells a story. If you lead with value and you're good at what you do, you'll never go broke.

[00:00:47]>> So, today, I got another special guest, man. I told y'all when we started the year, I was coming with nothing but heat in 2023, and that's exactly what we're doing. I got my guy, he's been killing it in business, and he finna come with a lot of value, a lot of gems. His name is Darius Bender, so welcome to the show, bro.

[00:01:03]>> Appreciate you having me, bro. Glad to be here, man. It's a blessing.

[00:01:07]>> Definitely, man. So, so getting right into it, man, for the people who this may be their first time seeing you, hearing of you, might be stuck under a rock somewhere. Give Give a Give Give a brief background on yourself.

[00:01:17]>> Absolutely. Um so, from Boston, Mass originally. Um just moved out to Georgia, so uh near Atlanta. And um essentially, what I do is we help entrepreneurs get access to capital, um or aspiring entrepreneurs, so they could be able to, you know, start, grow, and scale their business. Um because this is a big problem, I feel like, and coming up, like, I knew nothing about, you know, credit and getting funding. And now, being around high-level entrepreneurs, you get to see like it's a whole different world. Um so, I got introduced to World Party about 2 and 1/2 years ago.

[00:01:46]Um I was in the nightlife industry >> Okay.

[00:01:48]>> before this. Yeah, so this is a whole different realm. Um I came out to one of them conferences over pandemic. Um nightlife shut down up north in Boston, so I had to figure it out and I just started learning this credit game, started applying the information myself and I'm like, this is the cheat code.

[00:02:04]Like everybody need this. So, I started you know, you you start raving. I started telling friends, family, started helping them getting results and then started started a business out of it and then now we helping others do the same so that they could you know, change their lives, getting in a better position.

[00:02:17]And then just you know, we was getting people results, getting people funding and then I I started teaching cuz I always like helping people, but once I learned you can monetize it it it was game over.

[00:02:28]>> Man, that that >> As soon as I got my first approval for like >> [laughter] >> that thing said 15,000. I said 0% interest. I said, oh yeah, this is it.

[00:02:36]>> For real?

[00:02:36]>> And then I just went crazy like I I tell people like I got 167,000 in 47 days, right?

[00:02:42]>> Damn, you was you was scoring crazy.

[00:02:44]>> Yeah, cuz I'm I'm really aggressive, but although I did, there's things that I could have done to be in a better position. I got a lot of personal funding at first, which is cool because you want to get some personal funding before you start getting access to business funding, but I was real aggressive to where I got a lot of new accounts. So, then by the time I had gone to get business funding, it was getting you know, 10s 8s, 5K limits, but if I would have went out, got with a few credit unions, that's what I tell people when they in the in the funding space like start off with them small banks. They going to give you those 10, 20,000 dollar limits off rip as long as your credit is in decent shape. Then once you got a few relationships, you can go get some some bigger some bigger some bigger banks, right? Maybe your BOA, your Chase. I like Chase a lot. Yeah. So, once you build out that profile on the personal side, you got 10 primary accounts, no derogatories, no lates, your utilization is low. I say under 15.

[00:03:33]I know by the book people say between two and nine, but I I keep it real cuz you know, doing funding you kind of see like there's different data points and you got you got that strength. You want at least before going for business funding at least four and a half, five years of of age.

[00:03:47]>> So how was what was your Did you have got a great credit when you said you first started and you got that 15 quick? Like what was your situation?

[00:03:54]>> to build it up. So I didn't have bad credit. Like I didn't have no lates or no derogatory, but I didn't have really any credit.

[00:04:00]>> Right.

[00:04:00]>> So a lot of times people people that have negative stuff also they got clean it up. But when you just got no credit, you could just go add what we call primary accounts. So you got like credit builder accounts, Self, Kickoff, Credit Strong, Rent Reporter, Rental Karma. You go get five right there just like that in 30 days those are going to report on your um personal credit report. Now you got them data points to be able to go get some personal funding. Then I tell you instead of going crazy on the personal cards, go get like four, right? Go get three credit unions or maybe a Elon Financial bank, which is just your smaller banks in your community. They're going to give you the bag. Now you got nine accounts, close to 10 accounts.

[00:04:35]Once you hit 10, now we can go get business funding.

[00:04:37]>> Really?

[00:04:38]>> Yep. You're going to set up your LLC, set that up the right way. Um but the problem is a lot of people they go they go get their LLC, but they just think after they get a LLC and a EIN, where where's the money at? But I tell them no, you want to make sure you get those things to set up your business in compliance. Get you a actual business address, a brick and mortar location, right? People will be attached to like a Staples, a FedEx, or a PO box, not knowing that the banks are looking at that. And if they see your business don't have an actual building to it, that's a red flag.

[00:05:04]>> Right.

[00:05:04]>> you're going to get denied, but you'll probably get less, right? Then you go get you a a toll-free number, like a 800 number or 833 number, right? Don't have your regular cell phone on there because again those are just little red flags that could lower them limits. And then um next is making sure that you have um you're in a low risk industry, right? So I tell you when you're setting up your business, stay away from names like credit repair. Stay away from the word like investing or like even real estate.

[00:05:28]>> And then the the the limit I don't remember the exact number, but I remember it was low and I was like, "Damn." And somebody told me they was like, "No, no, don't do that. Do consulting." And I'm like, "Okay." I did that that [ __ ] went up like crazy.

[00:05:39]>> Crazy, right? Yeah, yeah.

[00:05:41]You're like, "Damn, just cuz of a name?"

[00:05:43]>> Just cuz of a name. Name everything, bro. is.

[00:05:45]>> I like marketing.

[00:05:46]>> Okay.

[00:05:46]>> Um, worldwide um solutions.

[00:05:50]Um, those are the names that I'll stick with, right? Cuz And then anytime you're in the the educational field is actually getting the most money right now. So, if you're in like if you do any type of digital products or uh you do coaching whatever, and they ask you what what industry your business is in, I like to say education or tutoring. Those are getting a lot of money right now.

[00:06:07]>> Mhm.

[00:06:08]>> Yeah.

[00:06:09]>> This is what This is wild, bro. So, you said you got a you said 167 in how many days?

[00:06:13]>> 47 days.

[00:06:14]>> In 47 days.

[00:06:15]>> Yeah.

[00:06:15]>> So, when you did that, did you already know like this is what I'm about to do with this bag?

[00:06:19]>> Oh, yeah. So, as soon as I got the money, I already knew off rip. All right, like I said, I always like helping people and I had tried like selling digital products before, but I couldn't figure it out on my own. So, I So, I spent that money um and just started going crazy once I learned the formula. I was just running it. So, we were selling things to get people micro results because most people want to start off and they want to come high ticket, right? They want to sell something 5K, 10K.

[00:06:43]>> Immediately.

[00:06:43]>> Yeah. I'm like, bro, if you go shopping or if I tell you, "Yo, Xavier, go check out go shop at such and such." What you going to do? You going to go to Google, look up the reviews, you going to see if they got some testimonials. Yeah.

[00:06:54]>> Yeah.

[00:06:54]>> I'm like, people want to start a business high ticket, they don't even got reviews yet. So, my take was if I could put out like I had like a ebook, "How to get 100K How to get 100K in 90 days." I was giving out bangs. I was showing people how to apply. I was giving them lenders list. I was giving them mad value. At the end, we were selling it for like $11. Started making like 500 a day, 800 a day, 1,200 a day because we would get them in that funnel.

[00:07:18]And then you know how IG go, once you know how to grow your platform, it's easy to get a lot of people to buy from you. And then once they get the result, they like, "For $11, oh, I got to see what you got next." So, then we start doing like two-day intensives, coaching people over two days, and then I'll do like a follow-up accountability call.

[00:07:34]People was getting results. And then the word was just spreading.

[00:07:36]>> So, you talked about the ebook how to get 100K funding. And how how >> Uh, 90 days.

[00:07:42]>> And 90 That's Yo, that's crazy, yo. So, if you mind breaking that down, how do you do that?

[00:07:48]>> For sure. For sure. So, what you got to do is depending on where you're starting at, right? If you got to clean it up, you got to clean up your credit. That's going to be step one. Uh, so what I tell people is we like to do like a factual dispute method, right? So, 90% of people's credit reports are have inaccuracies on them. So, you going to go find what's inaccurate, right? So, I tell people go sign up for IdentityIQ.

[00:08:07]The reason I like IdentityIQ is if you got to clean it up, it's going to show you all three reports. It's going to give you a lot of depth. So, let's say you got like a late payment on like a Bank of America credit card.

[00:08:17]>> [snorts] >> You could go check out like open dates, amount late, how late it was. If all three of those bureaus do not match up, if they're not 100% accurate, that account must be removed by law. So, let's say one of the on TransUnion it says you owed $30 and 12 cents, and then Equifax it says $30 even. Those already don't match. So, that they got to get rid of that. Yeah. Another thing I tell people is update their personal information cuz most people their personal information is wrong as well.

[00:08:44]So, like mine might say Darius Benders under Experian, then TransUnion might say Darius C. Benders. That already is an inaccuracy. So, we're just going to call the bureaus, or we're going to update that personal information. Now, any of those negative items that were attached to that wrong personal information got to go. So, that's why I tell people these are how you can dispute. And then you can attack the bureaus different way. You can send in letters attaching the the negative account that we just went over, why it was inaccurate.

[00:09:11]>> [snorts] >> You can also dispute online, um, or you can do something called the Consumer Financial Protection Bureau, which is a CFPB report.

[00:09:18]>> Okay.

[00:09:18]>> Just after you've already sent out your letters and you've done the online dispute letting them know, "Hey, we haven't gotten, um, the response or the result we're looking for." And then they're going to attack on your behalf.

[00:09:28]Yeah, so that's that's the cleanup process. And then, uh, from there you're going to have to build it out. So, like I told you earlier, you could literally go add Self, Kickoff, Rent Reporter, Rental Karma. Um, and the reason I like those rental accounts, most people don't even know you can report your rent, bro. I'll be telling people it's the sauce right there.

[00:09:44]>> That's crazy.

[00:09:46]How how how do you report your rent?

[00:09:48]>> So, literally those two sites which you're going to you're going to go on there, right? And what it's going to tell you is not only they're going to report it's primary, they're going to allow you to backdate it 2 years. That's what it says, but here's the real sauce.

[00:09:58]>> What?

[00:09:59]>> Here's the real sauce. And if y'all tapped in or but it tells you two 2 years we're going to allow you to backdate. But when you go do the application, it's going to say what was your moving date?

[00:10:08]So, I put my for my moving date, I put all the way back to when I was 19 years old.

[00:10:13]So, then in 30 days when my credit report updated, I now had two primary accounts that showed up as 9-year accounts which brought my overall age up which brought my credit up like 50 points.

[00:10:25]>> For real?

[00:10:25]>> So, I'm like, yo. Yes, you can go check out these two sites. It's going to go based off your moving date. Most people ain't going to want to give you that sauce cuz you know, technically, you know, they not supposed to give you that sauce. So, yeah, that's the sauce right there. So, yeah. And now we got mentees that's running that play and they stretching the age out.

[00:10:41]And they're going crazy. It's just a way to beef up your profile cuz most people think it's credit score, but it's actually your profile. Your profile tells the story of Typically, it's supposed to be in alignment with your score, but like I get people who come with a 750, but they ain't got no credit built. They might got one student loan, they just graduated, they young. They're not about to go get 100,000 in 90 days, right? Or unless they build it up first.

[00:11:01]So, you got to build it out and then um so, that's the primaries. And then what you're going to want to do is if you're lacking age still after we've making sure our credit's clean, we've built out our profile, our utilization's in position between 2 and 15%. Um our inquiries are under four. You want to make sure you don't have too many inquiries. That just means you look thirsty for credit, so the lenders can be a little shaky on that, right? Once you're in that position, if you still need more age, then you can go add something called a tradeline. But I tell people make sure you don't add a tradeline prematurely because people think that that's going to replace those primaries, but it doesn't.

[00:11:33]It's supposed to just really give you that boost so that now you go from maybe getting those 5, 10k limits to 15, 20, 25,000 limits. And then uh like I said, start with them credit unions, them small banks. They're going to give you the bag off rip. Um I like pre-qualified credit unions. You can go check out NASA FCU. Y'all can check out um Dover Credit Union. They got a pre-qual.

[00:11:53]Um DCU, I like they're up north. They give you multiple products um with one inquiry within a 30-day frame.

[00:11:59]Like I got two of my auto loans with them and a $20,000 uh credit card with them.

[00:12:03]>> [snorts] >> Um y'all can go check out FNBO. Some That's another pre-qualified. Start with those cuz they're going to tell you if they're giving you the bag before even pulling your credit. Yeah. So, that's the sauce right there. Yeah.

[00:12:13]>> Man, you You >> [laughter] >> You giving away too much game, bro. So, >> I like Chase on the on the on both sides, but I love them on the business side specifically because they got two credit cards that you can get 0% um introductory period. And most bigger banks, their criteria be they're a little more strict of like them data points I went over. If you don't got those, they're going to give you either a a lower limit or they're going you know, maybe deny you. But Chase, you can easily go get 20, 25,000 if your profile is is built out. So, Chase never let me down. And um Yeah. Yeah. So, I rock with them heavy.

[00:12:48]Yeah.

[00:12:48]>> I got I took I I made sure I took a picture of it. It was something that you talked about on Instagram. You said how to get a 20 how to get 20k and two auto loans from Digital Federal Credit Union in 30 days.

[00:13:00]>> that's the play.

[00:13:02]>> [laughter] >> I said we got to talk about this.

[00:13:03]>> Oh yeah, for sure. So, so I was and I'm I'm still in the in the Turo space, right? So, I kind of slowed down with it. I still got We started off I had five cars. Now we're down to like uh three. Um but the play on that when I first got into it, I was trying to figure how can I get you know, multiple cars. So, DCU and it's crazy cuz this is when I had just started learning the credit game.

[00:13:26]I'm coming out. I'm trying to get busy in the car space now. So, what I did was I went up there and I asked her, "Hey, um for an auto loan, you know, what's the process?" She said, "It's a pre-approval." So, I just I had my credit was in position now. They pre-approved me for 50k on the first auto loan. So, I'm like, "Bet, 50k."

[00:13:43]Now, I go to the dealer and I'm wanting and then I start thinking, "Maybe I can get two cars with this 50k." It's just premature thinking. So, I asked my banker, and this is why I tell people build relationships, bro, because my banker was so cool. Like, I would just pull up and I had been in the credit union like, "Yeah, start building relationships." So, I started bringing her coffee. She started chopping it up.

[00:14:02]So, by the time I went in to look at the cars, um I was like, "Can I get two?" She's like, "Well, I'm not supposed to tell She's like, "I'm not supposed to tell you this, but you can't get two with that auto loan. But, what you can do is go get the car, bring us the purchase and purchase and sales agreement. Once we Once you finalize the car, then you can go get another car and we won't give you another hard inquiry as long as it's within a 30-day frame." So, I'm like, "Bet." So, I went back, I got the Jeep first, right? I got the Jeep first. I went back to the credit union. I said, "I want to do another one." They gave me another 50,000.

[00:14:31]I went back, I got my Mercedes-Benz.

[00:14:33]So, then I'm like, "Well, they just gave me both." So, I'm like, "What about a credit card?" She's like, "Yeah." So, I'm like, "Bet." So, then they gave me a credit card. They gave me $20,000 limit. I took that. Um I tell people with your personal credit cards, you don't want to max those out, right?

[00:14:47]Because that's going to kill your utilization. But, what I did was, you know, I'm I'm a I'm an investor. Like, I'm a hustler. So, I took 5k off the car. I went I got a third car off of Facebook Marketplace, right? And then I make sure I do do do do do my due diligence. Now, I started off I had three cars that was all on Turo. They started, you know, cash flowing, making some money um just from one credit union. That was That was all within a 30-day frame. So.

[00:15:10]>> Damn.

[00:15:10]>> Yeah.

[00:15:11]>> Yo, that's That's a wild bro, and that's like I said, that's some that's some old game cuz I'm pretty certain that people they ain't never they ain't know >> Because people don't ask. We just assume. But, I always say ask questions.

[00:15:20]People be They be thinking like the bankers are against you.

[00:15:22]>> Right.

[00:15:23]>> the time. They'll tell you, "No, you can't do that." Or, "Yeah, you can do that."

[00:15:26]>> Especially in our community, we think like we go into the bank, we already hesitant, nervous, we don't want to ask too many questions. Like we think we forget that they work for us.

[00:15:34]>> Exactly.

[00:15:35]>> our money.

[00:15:36]Like yo, they got our money. They work for us. You go in the bank, they work for you. You can't go in there all timid and [ __ ] scared to ask a goddamn question. You ask the right question, it could potentially change your life. They could put you on some [ __ ] >> For real.

[00:15:47]>> That And that relationship, bro, you touching on that, bro. That part is is huge, dog.

[00:15:53]>> Go drop some money in there. Go set up your direct deposit. I ain't saying you got to be committed, cuz I'm We don't commit to banks, but play the game, play the role. You go drop 50 in there in that checking, 50 in that savings. If you have more to play with, put more in there, because you get like a bank rating. But, if you go drop at least $50 in there, open a checking, open up a savings, set up your direct deposit there. What is that What do you think that tells them? All right, this person's committed. So, I would run that play, we call it the 50/50 play, 4 weeks in a row. And then on day 31, then go apply for that for that credit product.

[00:16:22]If your credit's already popping, though, you could just walk into some credit unions and apply day one. And And they'll ask you like before you leave, "Hey, did you want to apply for our credit card?" If your credit's If your credit profile's strong, you got already six plus accounts, yeah, go on, do that.

[00:16:37]>> Talk about how important it is, cuz there will be some people that hear this, they might share this to their cousin, share this to a homie, share this to money with the school when they hear this, they're like, "Oh, what's up?

[00:16:45]We finna go get this bag." But talk But talk about how important it is to when you get this bread to have a plan, cuz we don't want people to go out here get 50, 100K funding, and they at the mall in the Gucci store, like going crazy.

[00:16:57]So, like talk Talk about that part, too.

[00:16:59]>> You asking good questions, bro, cuz that's one thing I always do, like even on my webinar we do, I tell people like listen, this money is not for This isn't for you to do things that you don't already do. If you ain't living that lifestyle, don't start with this money. So, I tell people go make sure you invest that money. And my thing is, I think the first thing people should do when they get money is go pay somebody.

[00:17:19]Go pay somebody who's doing that thing that you want to do. If I want to start a podcast, I'm not starting on my own.

[00:17:24]I'm hitting my guy Xavier. I don't want to try because what's going to happen I'm going to buy the wrong mics, I'm going to be pissed off, now I'm frustrated, then I quit. And it just I don't want to waste no time. So go find somebody who's doing the thing you've done. It's going to speed it up. Invest in skills, high income skills. Like for me it was digital products. That was something I wanted to do and I knew it could make money and help people. So that's what I invested in. I also invested in sales skills, learning how to sell, learning how to create offers to help people. All right, how do you put together a program that's going to actually impact people? So that's what I I spent like 50,000 last year just on like education systems cuz I knew it was necessary. Once you get to a certain point in your business, you're going to have to scale. And scaling means that you're going to have to sacrifice some things. You're going to have to give up some parts. So some of the biggest things I learned is um in terms of like when you create an offer, like I think most entrepreneurs they think if I'm selling something low ticket, it needs to be low value, right?

[00:18:23]I don't want to give good information until they pay me high. Kind of like what we said earlier, but if you give people value at every level, they're going to continue to grow with you. Like I've had people who have started with my $11 ebook who have come to like my two-day intensive and then they're in my high ticket mentorship. But if if if I came with the mindset of oh, this is $11 product. I'm going to give them some some BS. Then they're not going to that next level with you. So you got to give people value at every level. And it might sound cliche, but literally like just showing up consistently like I never seen anybody do the same thing over and over and get worse. You It just don't happen. So you got to after you obviously get the coaching and you you understand strategy, you got to understand that you're going to get better, but it's going to take some time, right? You're speeding up your process when you do get that direction, that clarity, but you got to stay consistent.

[00:19:14]Um And then yeah, advertising your business. Like I spent a lot of money on like influencer pages, shout-out pages.

[00:19:21]I do a lot of that because I know that that's the key. Like if they don't know you dude, what do say? He say if they don't know you they can't flow you. How can they buy from you if they can't see you? And it ain't even the whoever's the best at what they do is is the makes the most money. It's the person who gets in front of the most people. That's who makes the most money.

[00:19:38]>> That's who makes the most money.

[00:19:40]And that's why I it kills me when I see people Well, it don't kill me cuz I'm like all right, whatever but >> He's like I'm good.

[00:19:47]>> Yeah, I'm good. Right. When people be like man, you don't you don't need social media. I'll be like man, y'all don't know Y'all don't know what's going on out here, bro.

[00:19:54]Get that social media bag and you going to feel a little different like >> [laughter] >> once you the more Like and I hate to I hate to say it but the more followers you got and the more followers you get it's going to be easier for you to make money. Cuz it's more eyes.

[00:20:07]>> More eyes, simple math.

[00:20:08]>> It's simple math. [laughter] It's simple math. It's very simple math. More people see you the more people going to potentially buy from you. And they say the conversion rate They say the average conversion rate for most businesses like 3 to 6%.

[00:20:18]>> Yeah. So how many eyes you got to get into to get sales? Exactly. And you want to post once a once a week and not run no sort of traffic. That's That's different.

[00:20:28]>> Man, that man you you just you just led me into something cuz that's You you on social media you going crazy.

[00:20:34]So talk just talk about how important it is to to be making this content and and and posting consistently cuz people do They be like they post one time. They might wait three, four, five days, post another one. Then they be like man, these are >> These ain't no Right. Bro, you ain't giving no effort, bro. Like you ain't even test. So I tell people like yo, you going to have to find like First of all, you got to get better at it. Like I used to hate getting in front of the camera, bro. I used to I mean I tell you I I ain't going to lie, I was scared to talk on the camera.

[00:21:02]>> I first started.

[00:21:03]>> Yeah, everyone think that they you know they they suck or they don't like the way they sound, or whatever it may be.

[00:21:08]Um and then um I got into this program and I learned how to create like viral type content.

[00:21:15]>> Mhm.

[00:21:16]>> Yeah, and that was that was the sauce.

[00:21:17]I'm not going to lie.

[00:21:19]So like your hook your hook is so so important. Like you just >> What is the What's the hook? What do you mean by that? So people that don't know.

[00:21:25]>> for example, what you said, I screenshotted that video, "How to get two auto loans and a $20,000 from DCU."

[00:21:31]Who the hell not going to watch that video?

[00:21:33]>> Everybody going to watch that bro.

[00:21:34]>> Exactly.

[00:21:35]>> Everybody going >> Exactly. So like I tell people have a quantifiable amount and then have like a time frame if you can. So how to do X in X amount of time, right? How to monetize your podcast in the next 30 days. Oh, I'm watching that. I want to know how to monetize my podcast. So that'd be step one, making sure your hook is um is captivating. And then what you want to do is simply bro, you want to deliver as much value as you can. A lot of the what and the and the why is what you give them. And most entrepreneurs are taught, "Oh, give the what and the why away, they going to pay for the how." But what I do, I give away some of the how. I want you to be able to possibly go and get a result from my free stuff because I know if you do that >> You're coming back.

[00:22:14]>> You're like, "What Bro, what you got going on? Like what can I buy?" Because that's leading with value and if if you lead with value and you're good at what you do, you'll never go broke. So um that's the sauce on that and then try to keep it under 25 seconds just because Instagram is a very fast platform. You know, what people just scrolling. So if you can get that under 20 seconds, you good. Once it's like over 30 seconds people's retention might go down. And the way Instagram is going to push it out is the more watch time. You know, people they just scrolling. You know what I'm saying? And the last The last step would be make sure that like go hit out go go look up like black business pages. Literally in the search bar type in or if if you're a black entrepreneur, I like to rather than saying black business I'll say whatever's in your niche, right? Go find those bigger pages that got a couple hundred thousand followers on it.

[00:22:59]You could pay them $50, some of them might be $100, some of them be $150. You get in front of 200, 300, 500, 1,000 people, even if 1% of that comes to your page, that's a lot of new followers, a lot of new eyeballs. And now when they come to your page, they're like, "Yo, this content is fire." And then you offer them either a low ticket or I do a free like I do a free workshop. Who don't want to come You see the value I'm giving you on the content, why would you not want to come to the free workshop? That's where you get to over-deliver.

[00:23:25]>> Man, you giving away so much value right now. They finna go crazy in your DMs.

[00:23:28]All right, they they they finna go crazy, dog.

[00:23:30]>> Yeah, for sure. So, what I tell them was literally what we broke down earlier is is uh In that post, I think that's what I do. I tell them, "If you want to increase your score in the next 30 days, you have to add some primary accounts."

[00:23:41]So, um Self, you could go on there, you could sign up. I want to say it's 29 bucks a month I mean, 29 bucks initially, and then you got a maintenance fee uh every month they're going to charge you. I want to say it's like 48 bucks a month, right? Now, Credit Strong is a similar type account, but they got something called a Magnum package, and that's just going to be a bigger um account that's going to report, and it's going to show as a um installment loan on your credit, right?

[00:24:04]You add that there, that's going to give you some some some good uh weight. Um and then what I tell you is Kickoff, it's like a magazine subscription-based, $7 to sign up, and then between like $3 and $15 a month, depending on what you want to do. It's cheap. You can go add that, now you got three.

[00:24:18]>> So, somebody listening to this, right?

[00:24:20]They're like, "Oh [ __ ] it's up. I ain't never heard of this." But they they uh they want to get started today. They might not have the best credit or whatever or in a on a best situation.

[00:24:30]What's your best piece of advice for them right now to get that ball rolling?

[00:24:34]>> Save up some money, get your personal credit right. That's the foundation. Go If you got to go work, go do some Uber, but whatever you do, you need to prioritize your personal credit because that's the foundation for everything, bro. Without the personal credit, you can't you can't do much. You We have to get that in position because that's just going to open up all the gates. You could go get the money, then you could go get the the go start the business, go scale the business, grow the business, but without the personal credit profile, it's going to be it's it's going to be very hard. Even outside of entrepreneurship, think about down payments on cribs, interest rates on cars. Credit your personal credit is going to be everything in life. Bad credit is expensive. It affects your lifestyle.

[00:25:12]>> Absolutely.

[00:25:13]>> Yo, this is crazy because like if people like I said, people really paying attention, they would see how much game this is because if you get this funding and you're somebody that's got crazy ideas, business ideas, you want to get out there and put the work in, you now you don't have to use your own money.

[00:25:28]>> Exactly.

[00:25:28]>> You don't have to invest the >> You could be dead broke today.

[00:25:32]>> [laughter] >> 30 days from now, you go get 100 bands, even 50 for most people, your whole life is totally different. Your whole life.

[00:25:39]Now you created cash flow. Now you know what I'm saying? You feeling yourself like you said.

[00:25:43]>> Exactly.

[00:25:43]>> And this [ __ ] is a whole different game.

[00:25:44]>> imagine you go get 100k funding, right?

[00:25:47]Start a business.

[00:25:49]Cuz you got to pay back this money, but it don't come if you start the business and the business generating money, now the business is paying back the money.

[00:25:55]So you just started a whole >> from nothing. And it's 0% on the business side. The reason I love business because of most business credit cards are 0% introductory period. Like for example, Chase 12 months, that's a whole year you telling me you got to go get busy on that money.

[00:26:08]>> You definitely going deep, man. So I want to ask you this. So what's the top three books you cuz people always want to know, man, what what you reading? I know you get that question a lot. What books you reading? So what's what's your top three books?

[00:26:22]>> So my top three business, if y'all looking to just get y'all finances right or change your mindset, um Rich Dad, Poor Dad.

[00:26:28]>> Mhm.

[00:26:28]>> Yeah, yeah.

[00:26:29]>> Okay.

[00:26:29]>> Um I'm reading by um One to Many by uh uh Blalock, uh James Blalock or yeah, James Blalock. But it's some offers like for example, on a webinar, when people come, they come because they want the thing that you have, right? They want the the offer that you have. That's why they're there. For example, how to get 150k in 90 days. That's my my my workshop I do for the people. Um so everyone in the room I have an understanding to hear because they either have bad credit, they want to set up their business right, or they need to know how to get the funding. So for me understanding that, how can I one talk to them better so I overcome their objections, right? So that they want to buy my product which is going to help them. So I don't have to be super salesy. I just have to get them to either believe in themselves or I have to get them to I have to let them know that my offer is the best offer, right? So that's what it comes down to when you talk about selling. You don't have to be super salesy. I have the product that you need. Now what is it that I need you to overcome in order to to to take action and take that next step?

[00:27:28]>> What is your What's your biggest regret in business?

[00:27:34]>> My biggest regret is that I didn't do this sooner. So that I that I didn't learn credit sooner.

[00:27:41]>> [laughter] >> Real talk, bro. I feel like I tell people like bro I didn't learn credit until I was 27 years old. Now think about that like Like I'm I'm a grown person I don't know nothing about credit. I don't even know how to look at a credit report. But you got to think like no one ever taught Schools ain't teach you that. And most of the times we come from like I said being in the neighborhood ain't nobody talking about credit. Like in the way we in the around the way like yo yeah you got your credit right no one's on that.

[00:28:06]And most of the time our parents it's not that they have bad credit it's just that when they get it's a different time. They was taught really like don't use credit like that. Get a credit card don't ever use it. Like they ain't leveraging and all that. So really just doing this or finding out about the information sooner I would say would be my biggest regret. All under 30 seconds and you want to give straight game. But what you want to do is you want to break down the different components of marketing. So one of your posts talk about how the content, right? How to create viral content. And then your second post let's talk about how to captivate people's emails and phone numbers and why that's important, right?

[00:28:42]The next post talk about sales funnel, right? Why sales funnel is going to help them three or four X their uh their sales in the next 30 days. Now, what I'm going to tell you to do is go get $50 or $100. Go to those bigger pages, right? Those bigger pages have the people who are in business. Go on a search engine, type in black business pages. Everyone who follow them pages is either in business or they're into business.

[00:29:03]>> them, too.

[00:29:04]>> Absolutely, so many. So, what you want to do is go um your best performing post from your page, go put it on those pages, and then the caption, don't sell anything.

[00:29:13]Say follow so-and-so for more game on marketing and making money online.

[00:29:19]Um and then offer something free at the end. DM DM him the word uh digital for his free step-by-step guide to how to make 10,000 in the next 30 days.

[00:29:31]>> Damn.

[00:29:32]>> Now, just like that, now those people are coming to you. They're now indoctrinated with what you got, and you're giving them something free to so that they can get some value before asking them to buy from you.

[00:29:40]>> That's good, cuz the first time you enter the first time you're introduced to someone, when you're selling them something, they're naturally kind of going to be kind of like who is this?

[00:29:48]This is the first time I ever seen you.

[00:29:49]You're already trying to put something up on me.

[00:29:50]>> [laughter] >> Like, man, get your ass on. So, that's that's that's definitely real, bro. And bro, you just gave out a lot of game, bro. But before we wrap up, man, I want to say I appreciate you taking out the time to come out here and come to the city, get this money with me. This money going to go crazy, dog. Trust me when I tell you. You've been But before I let you go, plug in all your stuff, bro.

[00:30:08]Where people can find you, follow you, they can become a client of yours.

[00:30:11]Everything you got.

[00:30:12]>> All right. So, what you want to do is follow me on Instagram and YouTube @dariusbenders.

[00:30:16]Then, what you want to do is listen, if you DM me the word "100K", all right, I'm going to invite you exclusively to a free workshop where I'm going to be breaking down the three steps to how to get 150K in 90 days, y'all. So, DM me the word "100K" on Instagram, and I got y'all.

[00:30:32]>> Hey, tap in. And I'mma put the link to your uh stuff. I'mma put that in the show in the show notes for this episode.

[00:30:37]So, everybody that's tapping in, hit that link in the show notes for this podcast. And y'all can follow me on all platforms. I'm at Xavier m I'm at the official Xavier Miller on Instagram, and you can follow Millionaire Mindsets.

[00:30:48]That's everywhere on TikTok, Twitter, YouTube, Instagram at the Millionaire Mindsets podcast. And that's all I have for y'all in this episode of Millionaire Mindsets. See you guys next episode.

[00:30:57]Peace.

[00:30:58]>> Gotta get your [music and singing] brain right if you're trying to make a million dollars. If you ain't going to do it for yourself, then do it for your mama.

[00:31:03][music and singing] Only stay surrounded by them people. If you know they solid, elevate your hustle up today to double up your profit. Trying to learn [music] some game. Xavier going to talk about it. Know [singing] the honest speak that that everybody vouch for. Ain't no more excuses [music] valid. Get up off the couch and get up in your bag till your bank account need that accounted.