Ali Badi: Unlocking Business Credit: How Entrepreneurs Access Funding Without Banks

In this episode of the Passion Millionaire Podcast, Robert Roth speaks with Ali Badi, founder of The Score Machine, about how entrepreneurs can unlock funding without relying on traditional bank processes. From understanding how lenders think to preparing your credit profile in advance, Ali breaks down how to position yourself for approval before you even apply.

They dive into the biggest mistakes business owners make with credit, why many funding applications get rejected, and how simple shifts in financial behavior can dramatically increase your chances of securing capital. Ali also shares how his AI-driven platform analyzes credit profiles, identifies opportunities for improvement, and matches users with the right institutions to access funding more efficiently.

If you want to improve cash flow, scale your business, or better understand how to leverage credit as a growth tool, this episode provides practical strategies and actionable insights you can apply immediately.

Contact Ali:
 https://www.linkedin.com/in/alibadi1989/

Podcast Website:
https://rockandrollyourdreams.com/podcast/

Transcript

SPEAKER_00 0:02

Create a life of entrepreneurial freedom with insights from successful creatives, entrepreneurs, and investors. Discover how they overcame challenges and turned their biggest dreams into reality. They share their personal success playbook so you can build the business and life you truly want. Welcome to Passion Millionaire, the podcast by Robert Roth. Rock and roll your dreams.

SPEAKER_02 0:30

Welcome to today's episode of the Passion Millionaire Podcast. Totally different topic today. I'm very excited. We just had a really energetic pre-discussion to figure out what serves you best. And today is all about the scoremachine.com. That's a platform for entrepreneurs that are actually looking to expand their business and they need to free up some extra cash flow for some small investments or maybe even a little bigger investments, but want to make them without going through a lengthy, lengthy process of whatever the banks would do with you in order to give you money. He has a different route, which is a great fit for investments like whatever. If you want to buy a truck now, or if you need an oven for your pizza company, you need to pay payroll right now. You need a relatively quick fix. Um, this is a very interesting angle about how to get credit. So therefore, I'm excited to introduce to you Ali Badi. Welcome. Please let us know your story. How did you get into this? And then let's dig into all the details.

SPEAKER_01 1:40

Robert, how are you? Thank you for having me on the podcast today. Let me tell you guys a little bit about myself. Um, I started as a serial entrepreneur from the age of 12. My father had me hustling uh Nextel cases, cell phone cases out of my suitcase, backpack, whatever you guys want to call it, out of my luggage when I was in school. And as I kept going, I kept growing in business. Um, after I got out of high school, I went to college to become an attorney. Never made it. Is what it is. So I found this lovely industry called credit. And when I got into the industry of credit, I started to understand and look at how the banks thought. Why the banks thought the way that they look. And then I realized the industry could be made better. We can actually be working on behalf of the people. And the way that we work on behalf of the people is by actually building a software with an AI that gets them to go into funding, gets them ready. So our job is to actually prepare you for the next phase that you want to do, whether you're a tax professional accountant, your business owner that's looking to come in just for yourself, whatever way that you're looking to come through the door, we're looking to help you get ready to go to the bank to get funded. Because when you go to the bank, the worst thing that you can hear is you're not approved. When you know why, before you walk into the bank, you can fix it. So you can go into the bank and know you're approved every single time.

SPEAKER_02 3:21

So do you have a way of doing that? Maybe let us know how you're doing that.

SPEAKER_01 3:27

So when we developed the score machine, the score machine was developed in that basis of pulling the credit report from a third-party agency. We'd like to pull a FICO score from a specialty company called MyScoreIQ. We pull that, that's a third-party agency. We pull that FICO score from there. We put it into our AI platform. I AI platform starts to read the credit in its entirety. We give a few different um pointers on the sense of what it is. So for the bank, the bank will, some banks will look for a 680 credit score. We're not going for a 680 credit score. Being at the tip is just to get funding, it's not where you want to be. You want to be over. Because if you're over, you have a buffer zone. Because if the bank looks like you're 680 and now you pull an inquiry and it drops your credit score, guess what? You're not getting played, you're not getting approved for any more funding. But say instead of being at 680, you're at 700, 720. Well, what happens? When they pull that inquiry, that inquiry does nothing to your credit score. It's going to lower it a little bit. When I mean it does nothing totally, it's going to lower it a bit, a little bit.

SPEAKER_02 4:35

10 points.

SPEAKER_01 4:36

Yeah. But instead of lowering it tremendously, it lowers it a little bit that doesn't affect you. So you can uh keep applying. You can keep getting funds. So that's the whole point of it is to look at that thing, keep getting funds, keep getting money, keep getting to where you want to be. And if you don't get to where you want to be, well, let's know why right off the bat. And that's the key. And then we'll know are you are you overleveraged on inquiries? Do you have have you spent too much money on your on your credit cards or previous loans? Or do you have too much debt out? Is your credit score not enough? Do you have the comparitables that the bank is looking for? What people don't understand is comparatables. What does that mean? Do you have other cards or other things that you've done with the banking industry that gives you the idea to be able to pull that money out for the bank? If you have no products and you do everything with cash and then walk into the bank one day and say, Hey, Mr. Banker, give me some money, he's gonna look at you and say, ha ha, well what? Well what? You got no products, you got no nothing. He's like, Yeah, here's a hundred dollar credit card, go have fun. But if you have cards, you have consistent payments, you have the right debt-to-income ratio, you have all this stuff that put together, all of a sudden now you built a file that is risk looks at it and says, Oh, wow, this is a good file to fund. They're gonna keep paying us back. And guess what happens? They're gonna give you the money. They're gonna give you the opportunity to go out and do what needs to be done. And we are really looking forward to getting people to do that. We're really looking forward to bringing people to that level to go in and get that money. We fund $60,000 like it's nothing. And when I say we fund, excuse me, we match institutionally with the institutions that are giving $60,000 out like it's nothing, like it's cake water. So if we're matching you with an institution just upon just looking at your credit score and we matching and you're getting $60 grand, who doesn't need another $60,000 right now to build their extra part of their business personally? To actually go personally and add a little more money to actually pay down some debt to work where you needed it to go to start the business that you need to start. Who doesn't need that? I I mean me. I always take it when they're giving it.

SPEAKER_02 7:05

Yeah, so what I'm hearing also, it's not your only approach to go through, you know, an alternative route to find credit in case somebody needs it, but also you do go through normal banks or institutions, but you make sure to look at the credit profile first and figure out, okay, is there anything that actually needs fixing? Is that a healthy credit, like a credit report that you have, or is it not? And then does it need fixing? Do you help them to fix it also in case it does need fixing?

SPEAKER_01 7:37

So I do have something called in the in the score machine called the credit war map. The credit war map breaks down each part of your uh profile. Step one, step two, step three, step four, step five. So step one, your inquiries. You can go through your inquiries, and there's a chat GPT that we created um inside. It's called the G uh, the Inquiry Exterminator. It goes in, it'll help you write the letters to get rid of your inquiries. That's step one. Step two, go into credit repair. So since we're not a credit repair organization, we're FTC compliant and CFPB compliant. Um, we don't have credit repair in our system. We don't charge for credit repair. So we'll send you off to one of our third-party vendors who can help you do it yourself. It's not about paying somebody to do it. This is about you. You doing it yourself, you getting to where you need to do. So you don't have to pay somebody else. Thousands of thousands upon thousands of dollars are wasted paying somebody else to do something you can do in a matter of minutes. Ladies and gentlemen, ChatGPT, all these other programs are out here. We found the best ones. We found the best ones. We put them to use for you. That's a credit repair. After the credit repair, it's pay downs. The basic thing that comes down is people don't realize to get your credit fixed, sometimes you just got to pay your bills. Well, I don't got the money to pay my bills. I don't got the money to pay my bills. But if you pay this, you get access to more money. Maybe going to Starbucks is not the best thing. Maybe eating out five times a week is not the best thing. Maybe cooking in. I don't know what it is that you got to do to save money. That's the key. Save a couple extra bucks, pay those, pay those cards down. What happens is pay that, pay those loans, pay those cards down. Guess what happens? Your credit score starts to naturally go higher. If you do everything that we do and we tell you your credit score should be high. It should be high. Now, legally by law, I'm not going to say how high it should be, because I don't want to put myself in trouble because this is out there for professionals, but it should be high. Potentially you can have a 700 in front of your credit score. Potentially you can have an 800. But just to give you that right aspect, if you do it, seven or eight is possible very, very easily.

SPEAKER_02 9:59

Yeah, that's super interesting, and also an important fact to point out that you are actually helping people that are in trouble with their credit also to actually head into the right direction, fix it, and also I'm hearing you're helping them also fix some of the financial habits that might have gotten them in trouble, which is an extremely healthy thing that I'm a proponent as well, like take care of your finances, right? No matter credit, no cat no credit, right, full finances. That is a hundred percent a healthy thing to do in life. Stack finances and have money available, and it will make life a lot easier. It solves problems. So, therefore, that's great to hear that you are helping with that part. Let's say now either you have a person in front of you that have that you have helped or with your partners have helped to fix the finances, or it's a person that already you look at the credit score and you see, like, hey, totally healthy profile, excellent. So you have the goal of getting funding of, for example, 60,000, as you already had mentioned, to grow your business for certain type of investment. How would you actually go ahead and match that person to the right institution?

SPEAKER_01 11:12

So the software does it with the AI. Automatically does it.

SPEAKER_02 11:16

How does the software know? What is happening there?

SPEAKER_01 11:19

So this so I was an underwriter. Uh, for a short period of time, I was an underwriter and I learned how the banks look at files. So when I became an underwriter, once you know what the bank is looking for, then you go to the institution. I am conservative based on my number. We call them Cinderella files. Okay. So what's a Cinderella file? These are perfect files. If you do what I said, okay, perfect example this weekend. This weekend I was in Dallas, Texas, right? I was at an event of Dallas, Texas. We had 20 people come up to the booth when they had to come up to the booth, pull the credit report, pull them in, right? But as soon as the credit report comes in, right, and we see that you have all the criteria matched, everything's green, right? We know whatever bank we put you through, you're getting you're getting approved. So all the all the software has to do because it's on a conservative basis with the numbers, all the software has to do is just match you with an institution. So what happens is let's use uh American Express as an example. American Express requires a uh client to have a strong credit report. Well, what's a strong credit report look like? Anything above 720, okay, under 10% in utilization, okay, under 30%. Every oh everything's always under 30% in utilization, but other than under 10% utilization is a major key, okay? And then whatchamacallit, um, then it doesn't want you to have a massive amount of inquiries, okay? It wants you to have your comparable credit. You have all you have all these numbers, you go to American Express, you can pull four cards from American Express in that one round. Oh wow. If I can pull, if I can pull four cards with one inquiry, each of them are $25,000, I just got a hundred grand. I just literally got a hundred grand. Forget about American Express and that thing. Say you go to Bank of America, Bank of America allows you two. If I get two at $25,000, I just made $50,000. Well, I have one inquiry from American Express, one inquiry from America Bank of America, I just got $150K right there. That's simple.

SPEAKER_02 13:29

Which cards would you get from American Express if you would make that move happen?

SPEAKER_01 13:33

If so you start with, so depending on the client, this is now when you're sitting down having a conversation with the client. Client doing well in business is a client just getting started. You wouldn't do with bank or with American Express, you wouldn't do a platinum card that costs an annual fee of $900. You wouldn't do, yeah, you wouldn't do that with a client that's just getting started. So what you would do is you would work with, okay, maybe blue cash and blue rewards just to get that under the business. Um, you could do that.

SPEAKER_02 14:03

What about the plus? What about the plus? Blue Cash Plus.

SPEAKER_01 14:09

Yes, so blue cash blue cash plus is an annual card to give you a little extra on cash back. But um I I like to keep it free at the beginning, and then you can always upgrade later in the future. But you could do you could do blue cash and blue cash plus. So you can get both.

SPEAKER_02 14:27

Okay. What I'm hearing is if you get the plus, they might give you a higher limit, right? Of the get-go, and then you have the first year free, if I recall correctly, and then you cancel that, and then you get the normal one and you still have the higher limit. Maybe that's wrong, but that's something I've heard.

SPEAKER_01 14:42

I haven't heard of that one, I'll be honest with you, because what we try to do is we try not to get the key the people that we work with cancel any cards. Because if you're canceling a trade line.

SPEAKER_02 14:52

So if you cancel that early one, especially, then it's a problem, right?

SPEAKER_01 14:55

Yes. Yeah. Yes, that's the key. So say I pull a credit card, I have one year of age on it, right? Now I just lowered my age, my average age of my whole account. This is why the software works. The average age that they to get the perfect credit score is 12 and a half years. So all your cards need to be 12 and a half years old to get the perfect 850 credit score. Well, to get that perfect credit score, you need to have 12 and a half years. But every time I pull a new card, that average age goes down. Well, what happens if I go and do run that play that you just said? If I run that play and now I just lowered my age down, I just lower I went a year and then I just got it. And now I'm starting the new one at a year below. Just stay with where you're at. But always start with the free. Oh, always start with the free one. What's the extra? I think the extra is like four times cash back on uh certain items for up to five thousand dollars. Is there if that really worth it for you? Just go out, go out and get it right from the jump. Get it from the beginning.

SPEAKER_02 15:56

Yep, it makes sense. So if you wanted to get those four Amex cards, then it would be the blue one and then the other three ones.

SPEAKER_01 16:03

So you have blue cash, blue cash rewards. Um, if you get the cash preferred, that's one. They have the everyday card, which I think they switched the name, the name of. I haven't done this in a while, I'll be honest with you, with the American Express. I haven't done it in a while. Um then you have your gold card and your platinum card. My suggestion is this is how I work it. This is how I do it. Platinum card if you have the ability to. Amex gold card, if you have the ability to, then you want to get the Delta Sky Miles gold card. Delta Sky Miles gold card was going to give you a boatload. They're gonna give you between $20,000 and $25,000 because airline flights are expensive. So they're gonna give you more of an opportunity that they that every time you spend a flight, they don't want your, you know, your to tank your credit score every time you get on a flight. So that one, and then I would get a blue cash or a blue preferred card, either or I I would uh that's that's what I have, that's my stack, that's what I utilize. Um and it works for me.

SPEAKER_02 17:04

Yeah, and to point that out one more time, to make sure that is that that comes through clearly, like that's a way to get a good amount of credit, like as you just mentioned, six figures even by not going to a traditional bank and then going through a potentially lengthy or paperwork heavy process. You apply for credit cards, and then if you do it the right way, then you can actually get quite a good amount of credit pretty easily and quickly.

SPEAKER_01 17:37

Mm-hmm. And that's and that's the key. That's it, like American Express is only one, and a lot of people give you everybody's got their every person that's in this industry will have their own thing to tell you. The software does it its own way. My personal thing is I do what works for me. What works for me may not work for you. That's why I'm not in the funding game. I don't say I'm a funder, I don't tell you we do funding because we don't. I match you with the institution, you go pick what works for you. You may not travel, so why do you need a platinum card? Why do you need a Delta Sky Miles card? You just need cashback. So work on a cashback card. And that's the key. So take a look at what works for you. The system's built out. It's got over 8,950 products inside of it from uh over 2,200, uh, 2,300. Actually, you know what? If you bear with me one second, I can look, I can look up the actual number. Give me two seconds, I'm gonna log in. Yeah. With with that while while we're talking, um, I can give the actual numbers. Um, but we I you know, I'm very, I'm very adamant about um making sure that we have the right stuff for the clients and that you know the clients are going through and getting exactly what they need because if they don't get what they need, they're gonna, they're not gonna be happy with their experience. And we're not we're not credit karma. I'm not I'm not here giving you a bad, uh, a bad score or bad thing. I'm actually giving you what you're looking for. Um what I mean, I'm giving you what you're looking for is credit karma only pulls from two bureaus. So how are you supposed to know if you get approved for anything on the other side? I got the banks. 2,341 banks or institutions, 8,621 institutional products. Oh wow. That's inside of the software. I just logged in to get that number because we have people going in looking at institutions every day and seeing if they've added new products and things like that. So it's updating daily. Updated.

SPEAKER_02 19:42

Yeah, interesting. And also when somebody would um use your software, then you said, if I got it right, that it's also pulling the credit score. So would that be a hard pull? Would that be a soft pool? Soft pool. Soft pool. So no effect on your credit score, basically. That's what it means.

SPEAKER_01 19:57

Yeah. Um, we use a third-party agency that doesn't allow you to have um any negative done to your account. So that's the good part. It'll soft pull the credit. Once it soft pulls the credit and you have access to that site, you come into our site, you just put your username, password, and um, with the one that we recommend, the FICO score one, you're gonna have to put the last four of your social. That's it. Puts that in, pulls it inside of the software once for verification process, and then the AI goes crazy.

SPEAKER_02 20:24

Yeah, I'm actually interested to learn a detail now that I have an opportunity to ask you this. Like, why are some institutions, let's say credit card institutions, just using a soft pool for certain things and for other things, maybe they're using a hard pool. Like, what is really the difference? Like, I assume they only seen a part of the information at the soft pool, and that's okay, or okay. So, how does it work? I'm really curious about that one.

SPEAKER_01 20:51

So, when I was doing um at one point last year, I was working on becoming a data furniture. So, when I got uh in with Experian, we did all the background checks, we did everything, I started to actually be able to pull credit. So to pull an individual report cost a dollar, right? Just to give you that idea. Cost a dollar. That is a hard pull. I'm just I I don't remember what the exact number was, but I'm just gonna get to hard pull a file was like eight or nine dollars. To soft pull, it was like eight or nine dollars. While a hard pull was a buck.

SPEAKER_02 21:30

Okay, why is that why is that different?

SPEAKER_01 21:33

It's the same exact credit report.

SPEAKER_02 21:36

Okay.

SPEAKER_01 21:37

Because a soft pull doesn't ding the file. Because it doesn't ding the file, it doesn't show that the lender on the other side that you're looking for money.

SPEAKER_02 21:48

Yeah, exactly.

SPEAKER_01 21:49

So if it doesn't show the lender that you're looking for money and you don't have anything and you went to a hundred lenders before the one lender approved you, they don't know that you're in a bad situation.

SPEAKER_02 21:57

So basically, that's an instant. That I find really interesting. So basically, credit card institutions, for example, would use a soft pool when they maybe have a different credit person profile that they are giving out those cards to. And they maybe know those might be people that are looking shopping around a bit more. So it makes sense for them. And they have a higher probability to win them as a client. That would be one scenario, or is that does it not make sense? That's maybe the question behind that.

SPEAKER_01 22:33

So a credit card company is not going to invest in a soft pool. They don't want a soft pool. They want hard pull.

SPEAKER_02 22:38

Yeah.

SPEAKER_01 22:39

Because first and foremost, they want to let the other institution say, hey, look, this guy's coming asking for money.

SPEAKER_02 22:45

Yep.

SPEAKER_01 22:46

Okay. Don't give him money because he asked me. He asked that guy. He asked that guy. He asked that guy. But who wants a soft pull? Somebody that's not utilizing that. Like the companies that use the credit companies that are using to pull their credits to fix their credit, run through credit repair, those third-party agencies. Then you have, um, I'm going to give you another one. Soft pull is usually like when they're looking for your renter, somebody that wants to rent a home, right? Or rent a, rent an apartment. Why do I have to ding on a hard pull? All I want to do is make sure that this guy does not have a 400 credit score. So they don't need to, they don't need to ding you on that sense when they're just looking to see the person, the type of person you are, which that makes sense. But the bank, the bank wants to ding you all day long.

SPEAKER_02 23:34

Ah, that's that's interesting.

SPEAKER_01 23:36

Yeah, the bank wants to ding you all day long. They're not here to help you. They want to hurt you. They want to make sure that say, stop this person's ass for too much money. Don't give them money. That's called the it's it's it's risk, it's risk assessment. That's what it is. So that's why that's why they want to do those hard pulls. Um, that's why it costs more money for the soft pull. But let's be real.

SPEAKER_03 24:01

If I'm in the game, I want soft pull all day long. Yeah. I want soft pull all day long.

SPEAKER_01 24:08

I don't want the other institutions knowing. I want to just do what I need to do. And that's why your first question that should be asked is this a softball? Are you doing a softpull? Yes, great. I want to do business with you. If you're not doing a softpole, I don't want to do business with you. Like every car dealership, you ever you ever tried to get a car in the United States?

SPEAKER_02 24:31

Uh personally, I did not know.

SPEAKER_01 24:33

All right, let me tell you this. This is a freaking the worst scam in the world. Ready?

unknown 24:37

Okay.

SPEAKER_01 24:38

When you go to the car dealership, oh, I I'm I'm serious about it. It's the worst scam in the world. This is what they do. They have a software that you sign, right? To say to pull your inquiry, right? They'll pull a hundred inquiries to get you a loan. That's why I call it a scam. One institution can run your credit report eight, ten, twenty, thirty times to find the most applicable loan for you. I know I just messed that word up really badly. It is what it is. But um once they find that loan, they think, oh, this what this loan came in at said rate. How did you find this loan at said rate? Hold on. I just saw you just dinged my credit for 40 damn inquiries across all three bureaus to get me that one company.

SPEAKER_02 25:36

That messes your whole credit up.

SPEAKER_01 25:39

Bingo.

SPEAKER_02 25:40

Crazy.

SPEAKER_01 25:40

Yeah. And when you go to try to remove those inquiries, they tell you you can't remove an auto loan inquiry, but they don't have much bearing. It's got nothing to do with the bearing. It's got everything to do with the inquiry. But knowing the law, you can get anything removed. I won't go too deep on that one.

SPEAKER_03 25:59

Yeah. Okay.

SPEAKER_01 26:00

Well, that's off on another tangent.

SPEAKER_02 26:03

Yeah. So your typical client, and uh, let's assume he's not going, or what happens if I go through the software? Like, am I only dealing with the software, right? Or am I dealing with somebody in person and as well on a on a call or in some uh email exchange or something like that? Like walk us through the process that typically would happen. For somebody who's looking, let's read let's let's recall business owner looking to expand the business and therefore needs to free up some cash flow and find whatever amount, $550 or $100.

SPEAKER_01 26:37

So Monday through Friday, we have five classes. 7 p.m. EST that you can join up every single night. It's free. It doesn't cost you any m any extra money. You as you pay as soon as you paid your uh thing to get inside the software, it's absolutely free. Now you join up into the software and you can go in from there and learn about the software in its entirety. But if you need a walkthrough, um, there are people that work inside of the company that could do walkthroughs. There's a support number. We have a whole support team that you can pick up the phone and call at any time and go through that. But what happens is once they join one of those classes, they're usually ready to rock and roll. They're usually ready to go right there because what have those people have been in the industry a long time and they understand the game. And that's the key. You want to make sure you're dealing with somebody that understands the game. Um, when you go in, you sit down in one of those classes, they're about 30 minutes. Um, you can ask any question you want. You can go over there, like what cards you're trying to choose, where you're trying to go, um, where you're trying to position your business, and they'll help you out because they understand it. Um that's my thing. It's just understanding, like when we built those classes, we wanted the people to get in there, work it, do what they needed to, build where they needed to, and then get their questions answered. We have people that come in from all walks of life, um, all different types of professions. Hey, I need my favorite one is the pizzeria guy. Guy comes in, he's from pizzeria. Um, he needed, he needed to buy a new oven. Oven was on the way out, but he needed to buy a new oven, right? Had some time. He said he he had a he had like two or three months before it was gonna, you know, the oven was gonna grenade itself. But he wanted to get the the the uh he wanted to get it started. So we put him in the system. We saw that he was fundable immediately. We pushed him off to a couple of different banks, got him a couple different business credit cards, and now he has that. Now he's able to pay, not pay a loan off, traditional loan, he pays his credit record off. Now you had talked about the zero APR, he got the zero APR cards, and now he's got zero APR for nine months on on majority of the cards that he pulled, so which means he's just paying it out. Paid the card off in six months, and he came in, he sat down with he sat down with the team, he just went in with what was matched, looked at, he looked at the cards, he'd be like, oh, I just selected a card, went on the website, and saw it was zero APR. I'm gonna use the zero APR card. It didn't, you know, you can pick travel, you can pick business, you can pick whatever you want, but that's up to you to pick what you want. Um I I make sure I made it the software like that. I made it for you to have the power, not for me to have the power, not for somebody else to have the power, you to have the power, you to pick what fits for you, your business. And that's the key. Like, for example, the reason I have the American Express cards, right? And I tell you it's a platinum card and the uh the gold card. Gold card gives four times cash back on ads, or four times points back on ads.

SPEAKER_02 29:45

So if I'm running a business best card or one of the two best, I think there's a really chase card.

SPEAKER_01 29:52

And then the chase, and the chase preferred. There you go.

SPEAKER_02 29:55

Yeah, preferred. Yeah.

SPEAKER_01 29:56

Three times, three times, three times back on Chase Preferred, four times back on a gold card.

SPEAKER_02 30:01

And that's but the gold card has a limit, I believe, right? Um it caps out at some point, or am I wrong about that? The four X. That's a hundred K or something like that. Maybe I'm wrong about it.

SPEAKER_01 30:13

I gotta I gotta I gotta look at that. I didn't look that deep into it because I don't think I'm anywhere close to spending that yet. But um I gotta look a little deeper into that. But you know what? At the end of the day, the lot of people that I'm talking to are not even gonna hit that right off the bat. They they want, here's the cool part. Yes, you wanna know that because if you have that four times at 100K, you can know to move to the Chase card. And they're coming out with more that are coming into the into the mix. I was talking to uh my banker at Chase. Um, they told us they're coming out with more um more cards towards businesses like that. U.S. Bank's gonna come out with one, uh, Navy Fed's gonna come out with one eventually. They're all working on that, but they have to work with Meta and all those all those companies to get those uh to get that cash back uh rewards on them. Um but that's the key. Four times cash back on a gold card?

SPEAKER_03 31:04

Yeah.

SPEAKER_01 31:04

That's that's what you want. That's what you want. So it even if it does Rob, even if it does cash back at a hundred thousand, I get four hundred thousand points.

SPEAKER_02 31:17

Yeah. If you if you paid it out, uh then that's four thousand in cash right there. And if you know how to use the points, then that's a lot more.

SPEAKER_01 31:27

I I just isn't about that. Doing the math in my head, that's that's what 12 months, that's 4.8 million points. 4.8 million points on American Express for the year. And now, if it caps out for the year at 100,000, that's not really it's not really beneficial, but at the end of the day, it is what it is. You move to a charge card, you move to your not a charge card, credit card that can do anything. Um, Chase has got a great one. Chase Unlimited is awesome, where it works with uh getting high limits on that one. That's the best one. I I use that for running my business. That's the best, I think the best cashback best with uh comes with cashback. Um that's my one of my favorites um uh with that one. Um but again, you figure out what you're using it for.

SPEAKER_02 32:18

Yeah, 100%. And then maybe last question for for this like who is or second last, who is not a good fit for for your portal, right? So is there somebody that might now, after hearing all of this, think, okay, great, let me check out the portal, and then um really not getting any use out of that.

SPEAKER_01 32:42

The person that is skeptical about credit, the person that is skeptical about leveraging other people's money, you are not built for this. If you are the person that still thinks that I do everything with my own money, I do everything with my profits, I do everything with this, or I could do everything myself, be my guest. This is not for you. And I'd be honest with you, no, no, no disrespect. I'd be honest with you, just do the research. You got it out there, go for it. We put it in one platform, that's the whole point. But if you know how to go about it and do it, be my guest, do it.

SPEAKER_02 33:16

Yeah, it makes total sense. And then on the other hand, maybe one tip like whoever is interested in that, they know okay, can check out the platform. I'll let you repeat also how to reach the platform and use yourself also at the end. But I'd be curious, like maybe the number one mistake that you see, even of people who would use the platform, right, and have everything in front of their eyes, what would be that number one mistake and how to avoid it?

SPEAKER_01 33:42

Overzealousness. They want to go quick and they don't actually read everything in the platform, they don't actually go through the numbers, they don't actually look at everything in its entirety. Um, and they go they go quick, and then that's where they fail. Um, if you go through the work area and go inside of the underwriting section and everything is perfect, you're getting approved.

SPEAKER_02 34:10

Okay, yeah. Makes total sense. Appreciate that. Yeah. Ali. Thank you so much for all of that. And before we hop off again, uh please let us know. Repeat the domain for the platform so it comes out of your mouth. Also, after I have said a couple times, and also where can somebody even reach you personally?

SPEAKER_01 34:29

The score machine.com is the website uh that we can go over there. We'll set up we'll set up something with Rob. So we'll we'll work on getting uh getting a link over to Rob so get uh get a nice uh get a nice package out for you guys. Anybody that listens that wants to join, I'll make sure that we get you guys taken care of. Um and then to reach me, Instagram never enough time89. Um that's the Instagram handle, and then everything links out from there.

SPEAKER_02 34:58

Excellent. Really appreciate that. Alibadi, thanks so much.

SPEAKER_01 35:02

Thank you, thank you, thank you. Pleasure having me.

SPEAKER_00 35:08

Go to rock and rollyourdreams.com forward slash podcast.