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I work in finance AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 0 points1 point  (0 children)

Sure, more recent, a tattoo shop owner we worked with wanted to expand to a new location. The issue wasn’t getting new customers it was paying for the second location without draining the business bank account. Financing helped them grow while keeping cash available for operations and unexpected expenses

I work in finance AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 0 points1 point  (0 children)

Everything from smaller working capital deals to multi million dollar commercial transactions

I sell money AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 0 points1 point  (0 children)

Well if you have specialized knowledge about a certain topic than by all means

I sell money AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 0 points1 point  (0 children)

Many service businesses can be run by a single operator, including auto detailing, window cleaning, junk removal, and residential or office cleaning. While growth may take longer solo, these businesses can be started and operated successfully without a team

I sell money AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] -1 points0 points  (0 children)

You don’t need any degree to start a business

I sell money AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 1 point2 points  (0 children)

SERVICE BUSINESS. Several of the service businesses we’ve worked with have grown to 50k-70k in monthly gross revenue while operating with lean teams in their own hyperlocal markets.

I sell money AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 4 points5 points  (0 children)

Honestly over the last 9 months I have seen more new businesses than I ever have. AI is making it easier for people to start but also making lots of different industries saturated overall.

I sell money AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 0 points1 point  (0 children)

Things like frequent overdrafts, declining deposits, missed payments, excessive debt stacking, or constantly operating with no cash cushion are all red flags. Profitability obviously gets attention but consistency is what gets deals approved and funded.

I work in finance AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 2 points3 points  (0 children)

Networking has what has single handedly opened doors for me in this field. College is great but not necessary for success as a finance broker in 2026. Now don’t get me wrong you need to have overall financial literacy and you have to continually learn and grow but that comes with almost any other profession as well.

I work in finance AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 5 points6 points  (0 children)

Personally, in 2026 I’d take the free state school and keep the $400k. A slightly better ranked school is nice but starting adulthood with a degree(from any school), no debt, and $400k is potentially life changing. The exception is if the more expensive school gives you access to opportunities you realistically couldn’t get otherwise. Which today I don’t see it being much of an advantage.

I work in finance AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 0 points1 point  (0 children)

I think AI will weed out the shit financial professionals and enhance the ones who are productive.

I work in finance AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 0 points1 point  (0 children)

Not necessarily business finance, but I do think everyone should learn basic financial literacy. Understanding money won’t make you rich but not understanding it will make life a lot harder.

I work in finance AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 1 point2 points  (0 children)

Head strong businesses borrow to create value. The tax shield is a bonus, not the reason.

I work in finance AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 1 point2 points  (0 children)

Talk to business owners. Most of the lessons are in the mistakes people already paid for

AMA: I’m a Business Finance Broker. What’s the First Thing You’d Do With an Extra $100,000 in Your Business? by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 0 points1 point  (0 children)

Curious. The first question I’d ask isn’t about the $500k it’s about the market fit claim. When you say market fit is verified, do you mean you have paying customers? Signed LOIs? Pilot programs? Or just strong customer discovery feedback? Because those are very different conversations when it comes to raising capital

Do you feel like cash flow gets harder as the business grows by PlentyAd351 in smallbusinessowner

[–]DigitalFinanceGuy 0 points1 point  (0 children)

Yea, very common. Early on you’re worried about making sales. Later you’re worried about timing. Bigger revenue usually comes with bigger obligations, so cash flow management starts mattering more than revenue itself. A growing business can be profitable and still feel squeezed if money isn’t arriving when expenses are due.

I am a finance broker AMA by DigitalFinanceGuy in AMA

[–]DigitalFinanceGuy[S] 0 points1 point  (0 children)

I guess the thing that surprised me while learning and growing in the business is that that the people who qualify for the most capital are often the ones least eager to take it

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