In this episode, credit expert and 6X bestselling #1 author, Andrew Rey, explains how to use corporate credit for consistent cash flow, to fund and scale your business, and to save on your taxes. These are secrets every wealthy authorpreneur knows and uses and you can too!
Andrew Rey’s Website: www.flowbusinessfunding.com
Entrepreneurial Money Secrets, Unlock to the Power of Corporate Credit to Leverage Access to Capital and Win
Ellen’s Self-Publishing Facebook Group
3 Key Points
Successful entrepreneurs know that business debt is good debt.
Becoming a corporation, no matter how much money you make, allows you to use the tax code to your advantage and save money on your taxes.
Corporate credit gives you the ability to stay in business when your cash flow is down.
[00:50] Ellen: Hi, and welcome to Episode 66. Today my guest is Andrew Rey. Andrew Rey helps entrepreneurs and business people get corporate credit so they can grow their business without ruining their finances through his company Flow Business Funding. He graduated Summa cum laude with a BA in social science from CSU Stanislaw and he’s a lifelong student. He studied abroad for international business prior to founding his own company. And he’s an entrepreneur, author, speaker, former mortgage broker, loan officer, loan processor, and account executive and it’s worked in finance since 2003. He’s also the proud devoted father of the most adorable little son, Jacob, and he enjoys living a healthy and centered life while running his business and raising his son. So, welcome to the call, Andrew.
[01:43] Andrew: Hey Ellen, it’s an honor to be here. Thank you for inviting me.
[01:47] Ellen: I can’t believe it took us this long to get you on.
[01:51] Andrew: Well, you know, when the time comes, when you’re ready, the doors start opening. So, actually it was you who started this whole process. We have a conversation some months ago, I think right before when Corona started and you introduced me to Matt Johnson who helped motivate me to get my first virtual assistant. And she started reaching out on podcasts and you came up and I was like, “Heck yeah, let’s get on Ellen’s show.”
[02:19] Ellen: That was so funny. Also, I’m looking through my emails and it goes, “Would you like to have Andrew Rey on your show”
[02:26] Andrew: Yeah, you were on the list.
[02:28]: And I’m a cracking up because I helped Andrew get his book to number one. We actually got it in six categories, You’re actually my most successful, as far as how many number ones. Yeah, six is my record.
[02:45]: I remember being how excited, it was like being a little boy all over again. When you first told me, “Oh, you’re starting to rank and we launched it, and I was so nervous, and you held my hand through the whole process and really stepped up, and I can’t thank you enough. Anybody that’s writing a book hit up Ellen, she will help you.
[03:03] Ellen: Thanks. Yeah. So, tell them the name of the book.
[03:06] Andrew: Yeah. The name of the book is Entrepreneurial Money Secrets. And, it’s basically our first edition of a series that I’m working on, which helps people become financially literate in today’s digital world, you know?
[03:22] Ellen: Okay. So, what I want to know, or actually what I want my listeners to know is why they need corporate credit first of all.
[03:36] Andrew: Okay. Well, corporate credit, you know, it’s interesting to me because I talked to a lot of business owners and some of them were very wealthy, and they’ve never even heard of business credit or corporate credit. And essentially what it is, they get an idea about it, but they really don’t know how it works. But all wealthy corporations do this. They separate their business credibility from their personal credibility. So, it’s building credit to your legal entity called a corporation, LLC, et cetera. And it’s separated from the personal credit score. So, you’re able to gain access to capital and, and really, we play the game of capitalism and we don’t talk about this part of the game, which is creating capital and finance for your enterprise, whatever it is, how big or small it is, it doesn’t matter.
[04:27] Ellen: Yeah. And why do people need it?
[04:30] Andrew: Well, access to capital’s what… let’s, let’s just give it statistics in the first eighteen months of a company launching. I think the number is now about 60% end up going bankrupt, they run out of money. Within five years, that number goes up to about 70%. So, you, in order to get more access to capital gives you a way better chance of succeeding in business. And some people have to go through it several times losing, and then starting a new enterprise until they get this part of it. But, having enough capital is essential if you’re going to give yourself a chance, and there are just so many benefits. Once you start separating your business and personal credit, once you start learning how to use it, really what it is is a legal person. I break it down for my clients that, you know, a corporation is nothing more than a legal person.
[05:21]: It’ your insulation, it’s your buddy in doing business. And the tax system is set up for this reason. And then, financial and also protecting you from lawsuits and litigation. So, knowing how to use an LLC or corporation and how to access capital and how to track your finances and write everything off is a huge asset moving forward in your probability of success in whatever it is you’re trying to do. Making money is one part of the game, but learning how to keep and grow it is the other part.
Andrew: Right? So, that’s a big part of it. I hear it, for instance, another example, these like Amazon stores or eCommerce stores that are made, you hear these numbers, Oh, they’re making $90,000 a month. And I’m like, “Yeah, but how much is their net?” And they’re like, “What do you mean?”
[06:06]: I mean their margin. “How much after all their expenses, what’s landing in their bank account?” “Oh, about $8,000.” So, they’re not making $90,000. I mean their revenue stream is $90,000, but then you factor in all the costs and stuff, and then they’re not making as much. So, keeping that amount of money and being able to write off as much, as many things as you can in order to not have a huge tax debt at the end of the year or quarter, or however you set up is essential. It’s important. And how do you offset the taxes; you be in strategic debt is a huge way the wealthy play the game. That’s one of the things that novice entrepreneurs don’t even, haven’t heard of, and they’re unaware of, but this will supercharge you in being able to be more successful more quickly.
[06:51] Ellen: Yeah. I was listening to Suzanne Evans and she was talking about that, how you don’t want personal debt, but you can’t really be in business and not have business debt. Cause it’s like you said, I mean, sometimes you have to pay things before the money comes in too.
Andrew: Access to capital. I mean, the investment, return on investment, these kinds of things. Why do people go after venture capital? Or, you see everybod’s seen the Shark Tank. They’re going to get funding. They’re going to get money. Well, we’re doing the same thing. We’re just doing it through all these different means and building credibility to your company itself. And, it’s just such a powerful thing to understand and incorporate it into what it, however, you’re doing that. But again, it starts with education. I always say its education, motivation and facilitation. Like you got to know what to do and how to do it. Then you’ve got to be motivated because then we got to deal with our emotions.
We’ve been programmed our whole lives, not to be in debt, not to use credit, these things are, are antithesis thinking of being able to pursue an entrepreneurial dream. Maybe if you’re an employee and you’re playing the safe route, and you’re going through the typical, advice that I know I got when I was a kid, from my parents and whatnot. It’s a very strategic way to keep you employed really. But in today’s digital world, everybody’s becoming an entrepreneur. Even if you’re working at a job, you want to at least have a side gig for tax purposes.
[08:25]: And you need a side gig anyway, the way most of them pay, or don’t pay.
[08:28] Andrew: Yeah, exactly, exactly. To live in this world today. I mean, it’s really hard. And the beauty of technology and you and I are at an age where we understood what it was like to not have cell phones and not have Internet and not have any of these things that are commonplace today.
Andrew: And as you and I have talked about, it’s a good thing. So, using it for the good thing is you can work from home, look at all these people that are now home employees, and so there’s never been so much entrepreneurship going on. So, knowing how, how I break it down for my clients, as well as what you and I have talked about before, it’s the flow-and-grow concept. Money’s just flowing ; picture it as zeros going through the universe.
[09:12]: And it’s just flowing in and out of bank accounts. So, there’s no tangible currency anymore. So, all you’re doing with these entities, these game board pieces, are directing it in your direction. So, you’re taking that flow and you’re moving back in, and you got to get out of this idea that I own anything and I hold anything because you, you store money in a bank account and you’re losing money just from inflation. So flowing and growing money is how wealth has grown through real estate, through corporations, through businesses, through investing in projects. Robert Kiyosaki broke it down in his brilliant book, Rich Dad, Poor Dad, is how he explains this whole idea of wealth building. And he, he always emphasizes, you got to understand corporations and real estate and you have to be in strategic good debt, which means business debt that you’re going to get a return on. And then, you got to offset your tax liability. Those are things that the wealthy play and that’s how they just continue to build assets and buy more and create more. And they are the recipients of all the good things that come from that.
[10:16] Andrew: Have you ever played the cashflow game?
[10:18]: I’d heard about it and I’d never,
[10:20] Ellen: Yeah, I haven’t either.
Andrew: But I’d like to.
Ellen: But I was thinking about, yeah, I was thinking about it because when you were talking, one of the problems with money and dealing with money is like a lot of people think it’s boring.
Ellen: Right? Sorry. I was wondering if, yeah if that was a way to make it more interesting.
[10:39] Andrew: Well, and that’s why I use analogies like that because just thinking of money and corporations and Roth IRA’s and land trusts and all these, I call them game board pieces ’cause like you’re saying it’s like a game, you know, we’re playing the game of capitalism. And so, having access to capital is huge. How come we don’t learn to borrow more strategically? How can we don’t learn to utilize our partner in business, a legal person called “a corporation”? All the tax laws are set up for that.
[11:07] Ellen: So, do you go into that in the book? I can’t remember.
[11:10] Andrew: Yeah. I, I go into again, this is kind of the introduction, but what this breaks down is different funding sources. So first the intro, I talk about some of the ideas, some of where I learned this stuff from very wealthy people who I had the privilege of, an opportunity, to sit down with some wealthy, powerful CEOs of Fortune 500 companies. And, they taught me a world that most… I was raised in a middle-class home. My dad was an engineer. My mom was a journalism major; later in life she went back to school and became an attorney. We lived in Anaheim, California, Orange County. And we saw wealthy people, but we lived in a good upper-middle-class situation, so we learned the typical stuff, not about corporate strategy and how to access capital and how to leverage that in order to acquire assets.
It doesn’t matter if it’s a piece of real estate, it’s a franchise like a McDonald’s or a subway, or starting a digital marketing agency or starting a book, author coaching business, or whatever the case may be. And, yeah, these are all principles that we all apply in our business sooner or later, or we give it to other people to do it, which is really what you should do is hire a team, and that’s also what I teach people how to do it in the book. You can learn how to build your business credit cause I break down step-by-step the process, the background, the history of how corporate credit came into being what credit agencies like Dunne and Bradstreet business Experian, and Equifax, how to pursue those, how to build your scores. But most people won’t do it. They’re not going to sit and read and apply it. So, we have a comprehensive program that basically holds your hand painting by numbers and walking through the process. And again, people got to get out of this thinking of I’m spending money and start saying, I’m investing in this and expecting a return like this, you know? And, yeah, that’s what we try and teach and coach people.
[13:15] Ellen: So, if I recall the book started out as somebody else’s book?
[13:24] Andrew: Yeah. I had a partner that I co-wrote the book. Well, we had worked on a project together. We had partnered in the coaching and everything else, and then you and I took it in the direction of me personalizing it more towards what I learned in my take on it and way of explaining it, because there’s really nobody else out there talking about it, the way that I’m talking about it, with like energy and things like this and just different ways of looking at it. Like you had mentioned earlier, it’s boring and it goes over most people’s heads because the terminology is beyond what we are familiar with. So, breaking it down in a way that we can talk about it as a conversation and something that seems more tangible, people are more apt to take action about it.
Ellen: Yeah. But as I, as I recall, I thought that I pushed you to do more work on it.
Andrew: Yeah. Basically, it started as a white label book.
Ellen: That’s the term. Yeah. It started as a white label book. And what did I say to you?
[14:26] Andrew: No, you changed everything and you turned it into my book. You know, you inspired me because I wanted to be lazy and just get the information out there and think that it was okay, just like generic, like everybody else was teaching it. And the more you and I talked, you changed everything for me because you got me out of my comfort zone. You push me when I wasn’t ready, but you made me, you inspired me to actually step up and I had to reconfigure everything really, and talk about it in a way that I felt this is how I talked to people about it. And I’m not the most technical sit down. And, whereas even when I was, you know, I’ve done mortgages forever and stuff, but I’ve done more business in shorts and flip flops when I was living in Huntington Beach than I ever did when I put on my suit and went out and tried to impress that kind of a crowd.
[15:14] Andrew: So, I’m all about the common person getting this information because wealthy people have been doing this for a long time. We just saw this on the debate. If you watch the debates with the President or right before it, when it came out in the news that he paid $750 in personal income tax, and it’s like, everybody’s like, how does he do that and he’s a billionaire? And it’s like, he does what I’m talking about. He applies these things. I remember way back when he was in the debate with Hillary Clinton and she was like, “You have not paid taxes,” and this and that. And he just smirked at the camera and said, “Because I’m smart.” And I don’t think it’s maybe necessarily that he’s smart, but he has smart people managing how he builds wealth.
[16:00] Ellen: Right. Well, I mean the tax code is set up to help people who invest as opposed to people who work.
[16:07] Andrew: Absolutely. It is set up for corporations. When he got in office, they cut corporate tax by like 20%. And people were like, “Oh, it was a tax cut for the wealthy.” And I’m like, if you have a corporation and that tax cut is for you too. And they’re like, “It is?” And I’m like, “Yes, it doesn’t matter how much money you have.” The system is set up for corporations more than ever because sole proprietor is pretty much lost everything in that last tax overhaul. And you can’t write off near the things that you used to be able to unless you’re a corporation, and now even an LLC doesn’t have as many benefits as a corporation, a C, or an S-Corp.
[16:46] Ellen: Oh. So that’s what I was going to say. So, even an S-corp is no good now?
[16:50] Andrew: It’s not that it’s no good, but you definitely have to find somebody who is aware of all the tax breaks in and what changes were made in which entity will be best for you. You know? And I’m not here to give that advice because…
Ellen: Everyone’s different.
Andrew: Everybody has their own CPA. Yeah. Right. And your situation’s going to be very different. But just having that mind, Hey, not being a sole proprietor setting up and finding out which entity is going to be most advantageous for you to play the game. And then we’ll teach you how to attach credit to that. And people want to think, Oh, if I get 50,000 in corporate credit, it’s going to be cash credit lines. And that’s not necessarily true. You might have a $10,000 Apple or Dell account under a tax ID within no personal guarantee. You might have an $8,000 mobile card. If you’re a trucking company, to be able to finance your gasoline, you may lease vehicles or equipment. So, you might not need cash. You might just need access to be able to finance whatever you’re doing machinery, you’re starting to contract.
[17:58] Ellen: How about online computers, that kind of stuff.
[18:01] Andrew: Exactly. Online marketing, hiring virtual assistants, all this kind of stuff is tax rideable. And if you’ve got capital before, you’re making the revenue, you got to set the systems up in place. This is another thing that I learned the hard way. And I think you have to, we can’t do it all ourselves. And we’re not usually good at everything anyway. So, building a team around you and you do what you do well, it allows you to grow your company in a, in a better way and not make you lose your mind, doing stuff that you hate doing anyway.
[18:33] Ellen: But, I was listening to a friend of mine and the other day she was doing a live and she was saying, she was talking about, you have to know your numbers. And, and she was saying like, let’s say that you wanted to pocket $200,000 a year that you’d have to make a million dollars a year. I thought that was like… that didn’t scratch to me. That seemed like a lot.
[18:56] Andrew: It depends what kind of business. And again, that goes back to that question, what’s your margins. And what’s your net because your net is just like your net worth is all your debts and everything you owe, as opposed to all the assets you have, whether it’s equity in the house that could be in a life insurance policy or whatever the case may be. You have a 401k, you have, those are all assets. So, you measure them against each other. And what’s your worth, same thing with revenue. You got 10,000 coming in a month. And if your overhead is $2000 a month and you’re making $8,000 right there, so you’re 80%
[19:31] Ellen: But then how much should you put away for taxes? Is the question.
Andrew: Yeah. This is another thing. Plan your taxes, try. And, there’s no way to know for sure, because you don’t know how comfortable you’re going to be, but, but if you…you got to get with the CPA and that’s where you do a good tax plan. And, again, not every CPA knows this. They don’t do tax planning. All they do is file. They track and everything else yet with there’s a whole new breed of, of tax preparer or a tax professional, I should say that are geared towards a specific plan for whatever niche or industry you’re in. Because if you’re a real estate investor, you’re going to have a very different plan than an eCommerce Amazon store. And if you’re a house flipper, that’s a lot different than somebody that buys apartment buildings. You know?
So, these are all very, even though they’re both real estate, it’s a very different kind of real estate and the way it’s taxed-capital gains, as opposed to just long-term passive income, you know, and is it meant to be structured? They, you know, there’s just, we could do a whole show just on that. And, again, I don’t know how, how geared I am. I, I know the overview, but I, the micro I’d like to get a good corporate tax attorney or a tax professional to be able to talk.
Ellen: So, if somebody Is thinking, I want to know more about this. Like, how do people get started? Like, what are some things that you think they should do to start helping them move in this direction?
[20:59] Andrew: Well, again, visit our site, you know, www.flowbusinessfunding.com. It’s packed with information. You can download a free guide. You will be in our newsletter and we give out information every week about different lending programs, how those things work the free guide you can download. It actually will teach you step-by-step, the overview of the process of building credit to your company, and then get my book. You know, you could still download it for 99 cents.
I decided to open that back up just to get it in more people’s hands that’s, entrepreneurialmoneysecrets.com. And that’s packed with a lot of information as well. That’s where it starts. And then, you can do a consultation with us, or, you know, there’s plenty, start delving into the information it’s out there, you know? We’re one resource and if you’d like how we talk about it, we believe in integrity and helping people at each level.
[21:55]: I mean start the journey, just get over your fears. First of all, because some people put up a wall, as soon as you talk about credit or capital or debt.
Ellen: Or even money.
Andrew: Or anything like that for money. Yeah. They have an emotional response to it. And it’s like overcoming that that’s the motivation part cause it’s education, motivation, facilitation. So, it’s hard to act when you’re strapped in fear or anxiety. So, breaking that down first starts with knowledge, you know? So open the conversation here in this right now might at least initiate stuff, set up a consultation. You know, me or one of my colleagues can jump on the phone with you for 15 minutes. We do strategy calls, no obligation, no nothing just purely informational. We’re trying to help as many people understand the things they need to start addressing that they probably haven’t thought about so…
[22:49] Ellen: Let me ask you a question. Do you find when you work with men and women, that they’re different in the way they approach it?
[22:54] Andrew: Yeah, in a general way, but I would say more men jump on this, more women get excited about it, but they don’t act, but men, a lot of them, they, they, they know they need money.
Ellen: And so why do you think that is?
Andrew: I don’t know. It could be a cultural, I think entrepreneurs, I can only go back to my mom, and also, I studied cultural anthropology. I remember thirty years ago, thirty, let’s see forty years ago now. Cause now I’m dating myself.
But when my mom went back to law school in the mid-eighties, y she was in her forties with five kids, just divorced my dad and said, “I’m going back to school and be a lawyer,” But there was maybe 20% of her class was females. Most of it was male-dominated.
Andrew: You go to any law school. Now 50% of them are females. Females have recently last thirty, forty years jumped into the entrepreneurial, jumped into professions. We almost had, we came near having a female president. So, things are changing, but the long-institutionalized ways of thinking for men has been going on forever as far as accessing capital and being aggressive in doing it. I guess maybe that, that could be,
[24:09] Ellen: Well, I have a theory that men are just more comfortable dealing with money than women. And the reason I say that is because I’ve run many author mastermind groups and we found in those groups that men and women definitely think differently about money and yeah.
[24:24] Andrew: That very well could be, you know what I mean? And I think that things are changing now. I’m watching on the Internet, just YouTube or Google, these subjects and more and more people are like, for instance, our email list, we’ve been in business a little over three years and we went from an email list of like 600 and something. You know, we didn’t do a whole lot of advertising other than word of mouth and referrals, just from searches and getting optimized in Google, we’ve got almost, we got 7,100 subscribers now in the past three months, four months.
Ellen: Wow, that’a amazing!
Andrew: Yeah. People are business credit and funding has never been hotter ever.
[25:05] Ellen: well, it makes sense. First of all, people are nervous. They don’t know what you know what’s coming. And maybe they’re finally realizing that they really need that backup more.
[25:15] Andrew: And so many are jumping on the entrepreneurial wagon. They lost their jobs, home.
Ellen: Right, that too.
Andrew: They don’t want to go back to work cause they like living at home; they can work three hours a day.
Andrew: So yeah, I think it’s all those things. And I think more people have had more time on their hands. So now, they’re researching and they’re like finding stuff and I see a big jolt in… let’s face it. We’re in a weird time in the world history right now.
Andrew: You go to the grocery store with a, with a mask on- it seems like a sci-fi movie. So, many things are shifting and we got to be able to shift with it. And let’s face it, here’s another reason to learn this stuff because more than likely you’re going to fall down, most businesses fail. And so, don’t look at it like failing, look at it like learning. Cause each time you fall, a real entrepreneur gets back up, dusts themselves off, learn their lessons, and go to the next project because it’s not, if something’s going to happen…
Ellen: It’s when.
Andrew: It’s when. Nobody could have predicted the virus. We’re in a recession, for instance, so things are changing anyway. Most people don’t realize we’re in a recession because unemployment, even though it’s plummeted since the filing for unemployment, since the pandemic started, the fact is, is we’re in a false sense of security based on low interest rates.
Andrew: That’s why everything’s still going is because you can borrow right now, a lot of our programs, you’re getting 0% interest rates. So, there’s never been a better time to try and borrow money. Yeah. I mean take advantage while you can, because when that tightens up, that’s when the full, the market’s going to crash and panic again, I was caught in the 2008 crash. I had a mortgage company, I had five houses. I thought I was doing really well. I had my own corporation. This is when I first started learning about all this, really applying it. Then I remember back when I was in college and we studied economics and it’s like every ten to twelve years, there’s an adjustment in the market. So, there’s nothing to panic about. It’s about getting ready for it. Like, Robert Kiyosaki again, referring to him cause I’ve been a follower of him for a while. He, times those market cycles cause he’s like in the downtime is when the wealthiest people are getting wealthy.
Andrew: Because they got their, yeah, they’re ready.
Ellen: Cause that’s when the money’s made.
Andrew: And when the houses, I remember houses dropping 40 to 60% in a couple of years and it was time to buy.
Ellen: Oh yeah, that’s definitely coming around again.
Andrew: Yeah, yeah. It can’t sustain what it does. That’s why there’s always an adjustment, and same as stock market. We’ve been very high for a long time, which is great but there’s always going to be a recessionary period where things come down, they slow down, banks tighten up. It’s just a natural process like the seasons of life, the seasons of the year, we’re coming up on we’re in fall and coming up on the cold season, while in California, not so much, but of course, spoiled here.
[27:57] Ellen: Well, I don’t know, it’s been like a hundred years, so I’m sure it’s going to cool down. Yeah.
[28:02] Andrew: Well, you’ve been there for a while now, right?
[28:04] Ellen: Yeah, this time, eight years we were here before, but we got caught in 2008 also. Yeah. We were doing really well with buying and fixing and selling houses, and then everything kind of stopped.
[28:17] Andrew: Yeah. And it happens and the smartest people are ready for it and they’re waiting for it. That’s another reason I think a lot of people are looking into getting finance too because they know that’s going to happen. And if they’ve got… the winners of the people that have access to capital, whether borrowed or you have it yourself, but borrowed money is more powerful in many ways than even have used it using your own money. And people are like, “Well, what do you mean?” Cause it goes against conventional thinking. But the fact is, is when you borrow money, everything is written off if it’s for business purposes.
So, and again, I mean, go get with your CPA and substantiate everything I’m saying, but these principles are such that being in strategic debt is how you can offset paying a big tax liability.
Andrew: And it means you can keep more money, put more back into the business, which helps the economy, which helps provide jobs and provide business. And that’s the incentive. That’s why it’s set up that way because when a company is successful, it employs more people and the economy gets moving in a bigger way. So, you and I are in the business of educating people, so there’s always going to be a need for that.
[29:24] Ellen: Well, usually I ask, do you have any final tips, but I think you already gave the tips.
[29:29] Andrew: Yeah. And go visit our website and, and start, just start the journey. Open your mind. Listen to some audio that actually I want to do an audio version. I want to talk to you about this.
Andrew: Because I’ve been hit by people. I don’t really read anymore, but I listened in my car.
Ellen: Right, right.
Andrew: “Do you have an audio?” And I’m like, “No, but I’m working on it.”
Ellen: Well, thanks so much for coming on. I appreciate it.
Andrew: No, thanks for having me. It’s a pleasure.
Ellen: Great to see you again.
Andrew: You too, Ellen.
Ellen: Okay. So that’s it for today to get the transcript, go to https://booksopendoors.com/podcast. You’re also welcome to join our Facebook group. That link is on the page and there you’ll get first notice of new podcast opportunities to ask questions of guests.
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